My plan for 2013.

December expenses Updated

Since the holidays are over....

car taxes   PAID
daughters class ring Paid part of this bill 12/05, 12/19, 12/27   25.00 each pay period
daughters graduation package Paid part of this bill 12/05, 12/19. 12/27 25.00 each pay period.

I am waiting for a email that states how much I owe on the two above purchases...

inspection for one car
and maybe two tires (depending if the vehicle passes inspection without them)
My inspection will be called for today, and hoping to get this in today or tomorrow at the dealership.

The only way to manage to get these things done, is to watch my finances very carefully. My husband does not work and has limited income (he sells things), and I can't count on any of that income to be steady. So, the best thing I can do is watch all income that comes into the house (mine is steady), and keep our expenses as low as possible.

Bills


Well, I made a payment to KIA, I only owe 281 left!!!!!!!
I made normal scheduled payments to JCP, Target, and my other listed bills.



I am going to list my debt, and my plans to get rid of this:

KIA 277.11 a month  I got my new statement, and I owe 288.22 total!!!!

JCPenny 281 total.l....100 a month (when KIA is paid off, the money rolls into my JCP account 277.11 plus 100.00) I just made a payment today 12/27/12!!

Target 2680.31....150 a month (when JCP is paid, all is rolled into this account 377.11 plus the 150). This is my newest statement. I made a payment today 12/27/2012

Wells Fargo  (A) 25,000 YIKES!!!!!! 90 a month at the moment (when Target gets paid off, then the money will roll into this account 572.11 a month) Paid miminum 12/27/2012

Student Loan 15,000 total another yikes!!!! 167 a month...will keep this amount until Wells Fargo A is paid off. (when the above is paid off, then I will put 572.11 a month and the normal 167 towards this loan). Made December's payment!!!!

Mortgage 72,000 (was 90,000)  total....633.21 a month....I was paying 200 dollars a month extra...thinking that will change, as I need an emergency fund.

I just paid January's mortgage....I added the regular payment, along with one hundred dollars.


Emergency Fund: 00000000


Essentially, I could have my bills paid, and mortgage free come 2023....is this a reasonable plan??? Yes, provided I can stick to it.