Snowball Plan.

Dave Ramsey's Plan.

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. 

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.
Nothing deposited as of 11/01/13.

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. 

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.