ceejay74

I'm the financial head of a three-adult household. We have great credit and income but massive debt. I've always paid bills on time but beyond that haven't planned very well. Now we have some definite goals, so we need to get serious about financial stability. DEBT AS OF JULY 19, 2008: Credit card/personal: $52,892 Home/mortgage: $300,123 Education: $71,689 ($31,689 actual; $40,000 estimated future) TOTAL HOUSEHOLD DEBT: $424,704 ($384,704 actual; $40,000 estimated future) August 2008 goal: pay off $3500 by 8/31 Progress: $3135 down, $365 to go Goal balance: $421,204 Balance as of 8/6: $421,569 Big-Picture Goal, begun 1/1/08: Pay off all credit card and personal loan debt by 12/31/09 Beginning balance: $70,251 Current balance (8/6/08): $50,301

• Date Started: Jun 21, 2007
• Entries: 209
• Comments: 353
• Total Visits: 59,354

Number Crunch

Balance as of 3/6: $1,182.07
Pending authorizations:
-$1.00
-$90.00

SUBTOTAL $1,091.07

PLUS APRIL FIRST TO FIFTEENTH:
NT pay in $30.00
4/8/2008 CJ medical reimburse $624.00

SUBTOTAL $1,745.07

MINUS APRIL FIRST TO FIFTEENTH:
4/1/2008 1st-15th groceries -$93.81
4/5/2008 Condo association -$517.93
4/4/2008 Spending money -$120.00
4/4/2008 AS medical bill -$68.03
4/9/2008 CJ medical bill -$861.13
4/9/2008 Netflix -$9.63

SUBTOTAL $74.54

PLUS APRIL SIXTEENTH TO THIRTIETH:
4/9/2008 AS paycheck $977.01
4/15/2008 CJ paycheck $1,386.44
4/15/2008 NT paycheck $1,270.95

SUBTOTAL $3,708.94

MINUS APRIL SIXTEENTH TO THIRTIETH:
4/15/2008 Incentive money -$150.00
4/15/2008 Cell phones -$85.00
4/15/2008 Personal loan -$622.67
4/11/2008 Spending money -$180.00
4/9/2008 Savings -$25.00
4/16/2008 16th-31st groceries -$450.00
4/18/2008 Spending money -$180.00
4/24/2008 Barber -$60.00
4/27/2008 Discover -$58.00
4/30/2008 Cable/Internet -$80.10
4/30/2008 Incentive money -$150.00
4/25/2008 Spending money -$180.00

SUBTOTAL $1,488.17

PLUS MAY FIRST TO FIFTEENTH:
4/23/2008 AS paycheck $977.01
4/30/2008 CJ paycheck $1,386.44
4/30/2008 NT paycheck $1,270.95
5/1/2008 Parking space rental $75.00
5/7/2008 Get UK spending $$ out of
savings $1,300.00
5/9/2008 AS stimulus check $600.00
5/9/2008 Reserve line advance for UK $950.00

SUBTOTAL $8,047.57

MINUS MAY FIRST TO FIFTEENTH:
5/1/2008 Mortgage -$1,370.55
5/1/2008 1st-15th groceries -$450.00
5/1/2008 CJ & NT dental bills -$60.00
5/2/2008 Spending money -$180.00
4/23/2008 Savings -$25.00
5/1/2008 Misc. -$100.00
5/1/2008 Student loan -$71.00
5/1/2008 Credit card -$341.00
5/5/2008 Condo association -$517.93
5/9/2008 Spending money -$180.00
5/5/2008 Discover card payoff -$390.00
5/8/2008 To UK acct: $1960 Apr/May/
Jun bills; $1300 vacay;
$950 xtra vacay; $50 fee -$4,260.00
5/9/2008 Netflix -$9.63

SUBTOTAL $92.46

PLUS MAY SIXTEENTH TO THIRTY-FIRST:
5/7/2008 AS paycheck $977.01
5/15/2008 CJ paycheck $1,386.44
5/15/2008 NT paycheck $1,270.95
5/30/2008 CJ/NT stimulus check $1,200.00

SUBTOTAL $4,926.86

MINUS MAY SIXTEENTH TO THIRTY-FIRST:
5/8/2008 Pay off extra UK spending
(US reserve line) -$950.00
5/15/2008 Cell phones -$85.00
5/15/2008 Personal loan -$622.67
5/16/2008 Spending money -$180.00
5/7/2008 Savings -$25.00
5/16/2008 16th-31st groceries -$450.00
5/23/2008 Spending money -$180.00
5/31/2008 Barber -$60.00
5/30/2008 Cable/Internet -$80.10
5/30/2008 Incentive money -$150.00
5/30/2008 Fun-money savings deposit -$600.00
5/30/2008 Stimulus spending money -$600.00

SUBTOTAL $944.09

PLUS JUNE FIRST TO FIFTEENTH:
5/21/2008 AS paycheck $977.01
5/30/2008 CJ paycheck $1,386.44
5/30/2008 NT paycheck $1,270.95
6/1/2008 Parking space rental $75.00

SUBTOTAL $4,653.49

MINUS JUNE FIRST TO FIFTEENTH:
6/1/2008 Mortgage -$1,370.55
6/1/2008 1st-15th groceries -$450.00
5/30/2008 Spending money -$180.00
5/21/2008 Savings -$25.00
6/1/2008 Misc. -$100.00
6/2/2008 Student loan -$71.00
6/2/2008 Credit card -$341.00
6/5/2008 Condo association -$517.93
6/6/2008 Spending money -$180.00
6/1/2008 Pay off Sears card -$950.00
6/9/2008 Netflix -$9.63
6/13/2008 Spending money -$180.00
6/15/2008 Incentive money -$150.00

SUBTOTAL $128.38

PLUS JUNE SIXTEENTH TO THIRTIETH:
6/4/2008 AS paycheck $977.01
6/15/2008 CJ paycheck $1,386.44
6/15/2008 NT paycheck $1,270.95

SUBTOTAL $3,762.78

MINUS JUNE SIXTEENTH TO THIRTIETH:
6/15/2008 Cell phones -$85.00
6/15/2008 Personal loan -$622.67
6/20/2008 Spending money -$180.00
6/15/2008 Savings -$25.00
6/16/2008 16th-31st groceries -$450.00
6/27/2008 Spending money -$180.00
6/24/2008 Barber -$60.00
6/30/2008 Cable/Internet -$80.10
6/30/2008 Incentive money -$150.00

SUBTOTAL $1,930.01

PLUS JULY FIRST TO FIFTEENTH:
6/18/2008 AS paycheck $977.01
6/30/2008 CJ paycheck $1,386.44
6/30/2008 NT paycheck $1,270.95
7/1/2008 Parking space rental $75.00
7/2/2008 AS paycheck $977.01

SUBTOTAL $6,616.42

MINUS JULY FIRST TO FIFTEENTH:
7/1/2008 Mortgage -$1,370.55
7/1/2008 1st-15th groceries -$450.00
7/4/2008 Spending money -$180.00
7/1/2008 Savings -$25.00
7/1/2008 Misc. -$100.00
7/2/2008 Student loan -$71.00
7/2/2008 Credit card -$341.00
7/5/2008 Condo association -$517.93
7/11/2008 Spending money -$180.00
7/8/2008 To NT's account: $160 to
cover bills + $1640
additional + $50 fee -$1,850.00
7/9/2008 Netflix -$9.63
7/15/2008 Incentive money -$150.00

SUBTOTAL $1,371.31