Thursday, January 10, 2013


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 owe 151.47 on my daughter's graduation fees, and 125.00 on my other daughter's class ring..

inspection for one car DONE FREE!!!!!

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.


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)

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.

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)

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).

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

I got a call rom the bank that holds my mortgage. Apparently, I am eligible for a fixed rate refinanice. I was at a fixed rate of 6 percent for 30 years. I have 72,000 left to pay. They offered me a no closing cost package at a fixed rate of 3.265 percent, and my payments will be 80 dollars less over a 15 year time frame.

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

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