Got paid

Dave Ramsey's Plan.

Other than the posted credit, I only have the regular house stuff, like electric, cable, phones, car insurance, internet, etc etc. I worked hard last year and earlier this year to get my smaller "debt" paid off, like some medical bills, JCP card, car payment, and my husband's credit card.

I got paid this morning, sent out checks for the electric bill, water bill, pest control, some cash for blood work I had drawn, and paid two bills for car taxes that are due in December. I paid for my kids lunches at school, went to the grocery store, and put some gas in my car.

Emergency Fund: 1,000.00 Goal!!!

3-6 Month Living Expenses 1,469.15 (Goal 5,000)

I would like to put in two hundred a pay period until the end of 2013.
I made a 250 dollars deposit this morning into my living expenses account. It brings the total up to 1719.15!!!!!!!

Wells Fargo  (A) 25,000 YIKES! My old balance is 24,300.00. 

 I give them their 90 dollars minimum payment, along with a payment of 527 a month (snowballed). I divide the payment up into two payments a month. The new statement came in for December came in yesterday. The new balance is 23,948.74. I paid them a whopping total of 630.60 in October!!! Wow. That was above my snowball payment of 617 a month. 

I just sent Wells Fargo A 300 dollar check this morning when I get my paycheck in direct deposit. The new balance is pending as of 11/14/2013. I plan on sending in my usual 300 dollars every two weeks. They take their usual payment of 90 dollars out at the end of every month. 

Student Loan 15,000 total another yikes!! Old balance is 14,430.84.

 I give them a 167 a month as their minimum payment. I made a payment 10/31/2013. My new statement was sent online for December. $14,160.57 is the new amount!!

 This is the old amounts posted:

Type	Principal	Interest Rate
Subsidized	$2,536.64	3.4%
Subsidized	$4,825.11	4.5%
Unsubsidized	$6,906.44	6.8%

Here is the new amounts that are current.

Type	Principal	Interest Rate
Subsidized	$2,517.51	3.4%
Subsidized	$4,788.71	4.5%
Unsubsidized	$6,854.35	6.8%

Mortgage was 90,000  total....643.21 a month. The old balance is 72,275.45.
 I paid the minimum and waiting on a new statement. The new statement came in for December is 72,104.42. 

403B Retirement Plan: I've started a retirement plan back in 2006 and was putting 6 percent of my pay check every two weeks. I am at a point in my financial planning, I put in 10 percent every two weeks.