monthly finances and obligations

monthly finances and obligations

car taxes   PAID

My girl's graduation fees are paid in full, along with my other daughter's class ring....finally!!

inspection for one car DONE FREE!!!!!
Animals to vet on Jan 22 2013.... The animals have been to the vet, vaccinations provided, all got a clean bill of health!!

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.

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

KIA 277.11 a month PAID IN FULL as of January 2013.

JCPenny 202.00 total.l....100 a month (when KIA is paid off, the money rolls into my JCP account 277.11 plus 100.00) This will start in Feb 2013!!!!!!!  PAID IN FULL AND NOW CLOSED as of February 2013!!

Target 2680.31....150 a month (when JCP is paid, all is rolled into this account 377.11 plus the 150).

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 just paid February'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.