The Debt

Snowball, Avalanche, or Custom. The debt must be paid.
Right now it is: Health 1 (due to APR deadlines), Auto, Health 2 (due OCT 18), C. Loan, and then the Student Loans.

1st of Month Auto (1.75%) C. Loan (7%) S. Loan (avg. 5.11%)* Health (0%)
Jan 2017 9,347.78 N/A 46,297.50 N/A
Feb 2017 8,999.70 18,000 46,335.31 N/A
Mar 2017 7,994.53 17,541.27 46,608.85 N/A
Apr 2017 7,673.13 17,053.16 46,746.06 N/A
May 2017 6,528.41 16,579.53 46,856.92 N/A
Jun 2017 5,999.05 16,157.09 47.057.41 N/A
Jul 2017 5,673.56 15,688.44 47,197.00 N/A
Aug 2017 4,572.61 15,216.68 47,312.28 N/A
Sep 2017 3,999.84 15,216.68 47,531.48 1,429.20 (1)
Oct 2017 3,673.84  14,825.00 47,726.00 3,141.00 (total – (1) = (2))
Nov 2017

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Debt Reduction Calculator: Auto Loan
Original Payoff Date: April 2019

End of Month Snowball Amount Tentative Payoff Date now:
Feb 2017 $683.00 Feb 2019
Mar 2017 $37.05 Feb 2019
Apr 2017 $763.08 Dec 2018
May 2017 $181.00 Nov 2018
Jun 2017 $0 (car tire emergency) Nov 2018
Jul 2017 $775.00 Sept 2018
Aug 2017 $246.00 Sept 2018
Sep 2017  $0 Sept 2018
Oct 2017  $0 Sept 2018 (dental bill wrench)
Nov 2017

2017 Goal: TBD

Additional Goal(s): Save $1,000 Emergency Fund and Save & live off last month’s income ($4,500)

Student Loan Breakdown:

Did you see the daily interest being accrued?!?! Ouch!

Loan Group APR% Amount (as of MAR-17)
A: 6.00% 3,544.85
C: 6.00% 1,658.34
D: 6.80% 3,151.63
E: 4.660% 8,620.09
F: 4.660% 9,318.79
JA: 2.125% 7,543.09
JB: 6.800% 8,296.11
JC: 6.800% 4,570.92

Over-my-means tracker (hopefully none):

February: I am just into the second month and I put a travel expense on my CC. It was so much fun, I traveled to a new location for me, and I met a ton of really cool people! But it delays getting my car paid off.
March: paid off CC with funds from savings. I really didn’t want to deplete my savings. But I also didn’t want a CC collecting interest. If I am going to use the CC, it needs to be paid off within the billing cycle.
April:
May: Moving, etc… went onto the card so I could figure it out later. Costs above &
beyond budget amounted to $1,700. Paid off EOM with a tuition refund check received.
June:
Aug:
Sept:
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