The Debt

1st of Month Auto (1.75%) C. Loan (7%) S. Loan (avg. 5.11%)*
Jan 2017 9,347.78 N/A 46,297.50
Feb 2017 8,999.70 18,000 46,335.31
Mar 2017 7,994.53 17,541.27 46,608.85
Apr 2017 7,673.13 17,053.16 46,746.06
May 2017  6,528.41  16,579.53  46,856.92
Jun 2017  5,999.05  16,157.09  47.057.41
Jul 2017
Aug 2017
Sep 2017
Oct 2017
Nov 2017 0, right?!

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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
Jul 2017
Aug 2017
Sep 2017
Oct 2017
Nov 2017

2017 Goal: Pay off my Car by November (SL deferment ends at that time. ending one payment for another) and fund what I am calling a “generational growth” excursion.

Additional Goal(s): Save $1,000 Emergency Fund (done! June 2017) or 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: