Beginning 2013 to 2014

In the beginning of 2013:

Jan, 24 2013

• I made my very last car payment.......I received the title in the mail two days ago
• KIA 277.11 a month PAID IN FULL!!!!!!!!!!!!!
• 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!!!!!!
• 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. Payment 150.00 today 01/24/2013
• 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). Made a payment 01/10/2013
• Mortgage 72,000 (was 90,000)  total....633.21 a month..
• 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.

Jan 2014:

• Student Loan  15,000 now 14109.03
• Wells Fargo A 25,000 now 23,446.73 
• Mortgage 73,283.92 now 71,932.53
• Emergency Fund 2,950 (includes living expenses) Goal 5,000. 

Snowball Plan. I am working on Wells Fargo A. Interest payment, along with 600 a month. 

                      I am paying 167 a month, and figured to make it to 170 a month. 

                      Mortgage 643.34 a month. No changes.