So I have officially joined Dave Ramsey. I don't have nearly as much debt as I used to but yes I still have a lot, especially with a new car loan and going back to school. Anyways, I just made up a budget for the next year (tenative of course) and if everything stays as it is money wise I will be down to just a car loan by December. Not to mention I will have $1000 in a Money Market account growing quickly.
This month most of my paycheck will go to start my savings/money market account. Minimum payments will also be made on the bills and yes I will have a little bit of extra spending money. Next month I will finish off baby step 1 by completing the savings/money market account. I will also pay off, in full and no settlement, the JCPenney card. Still have to get the actual money for that from somebody. Also there will be a small snowball on the Dell card as well. October and November all of my money will go towards the Dell card and a small snowball will go to the Car Loan in November. After November all of my money will be thrown at the Car Loan. Like I said all of this depends on me getting the same pay every month. Which means I have to continue indexing or pick up a new second job. I also need to start selling more books again.
So much in my life depends on money and I hate it. But I want to thank Debbie for introducing me to the Dave Ramsey method all those years ago. I just wish I had really thought out this car loan. I was SOOO close to being completely out of debt and able to afford a place of my own. Now I can't...so not fun. What was I thinking? Yes I love my car, no I don't like the money owed on it.
Oh well, in other news I am still waiting to hear on the financial aid for school but should hopefully hear soon. I don't want to have to take both grant and loans but I really want to start back up so I will do what I have to do. I still have a scholarship book to go through as well. I need to find a way to make money on the side...maybe I could make the last three blankets and sell them online for like $50 each. I like to stay busy and it is killing me lately to come home and not have anything to do. So glad to have indexing right now.
I think that is all I have for tonight just needed to do my happy rant...lol. Goodnight!
