Layout:
Home > Goals update

Goals update

October 25th, 2006 at 02:13 am

DEPRESSING!!! I had forgotten that we still had $1200 left to pay on DH's (last!) tuition bill, so the cc balances went up instead of down. BUT - we are all done now with tuition, so we will just chip away at the balances now. It's all going to get better from here!

1. Pay off Discover $367 balance -> this went up to a $417 balance, which was paid off this month. Unfortunately, we had to put $800 back on from the tuition. Balance now stands at $893.99 (also spent $78 on groceries/coffee maker). This will be paid off from savings next month.
2. Pay off American Express $4552 balance (0% interest until 8/07) -> balance is up to 4897.28 (added $400 from tuition, $100 payment, plus a few small expenses)
3. Pay off car loan, $1085 balance, 3.75% interest -> no progress this month as I was ahead on payments and opted to skip one
4. Pay off my student loans $6122 balance (about 4.6% interest) -> down to $6044
5. Pay off Dh's student loans $15145 balance (in deferment) -> no change

Overall, like I said, a bad month. Here's hoping next month is better!

4 Responses to “Goals update”

  1. tinapbeana Says:
    1161741159

    not a bad month, jodi, just a slow one... hope things 'speed up' towards your goals as the year closes out!

  2. LuxLiving Says:
    1161783329

    Hi Jodi - I've done that forgetting thing a few times myself! Augh!!!

    Anyway, no. 3 on your list concerns me. Have you confirmed with your lender that they don't actually need to receive a payment EACH AND EVERY MONTH? Even if you've paid ahead??? Some of them want cash coming in each month, even if you've already paid and sent in the October & November pmt. w/coupon, etc. some still want a payment on the books during the next monthly cycle. I'm not sure if I'm explaining it correctly, but I'd double-check this for myself just as not to incur a penalty.

  3. jodi Says:
    1161795533

    Actually, I wasn't even considering skipping the payment until I called to check my balance and was told (by the automated system) that my next payment wasn't due until November. So I think I'm okay - if my payment wasn't due, then I can't have a late fee (I think)!

  4. PRICEPLUS Says:
    1161797246

    I hate when I forget to take a bill into account. Just a minor setback. It sounds like you have everything well in hand! You are doing great!Smile

Leave a Reply

(Note: If you were logged in, we could automatically fill in these fields for you.)
*
Will not be published.
   

* Please spell out the number 4.  [ Why? ]

vB Code: You can use these tags: [b] [i] [u] [url] [email]