Arrgghhh

Okay, somehow I was just trying to fidget with my layout a little and then I totally lost all my stuff. I was able to get back to what you see now. I was thinking that I had lost all my widgets....that would have been a total bummer. I will have to play a little more another time to get my blog back to where I want it.

We have been doing good. We have managed to swap some debt around so that we currently are all on zero percent offers....the key will be to pay them off before we get off the zero percent. Emilia got a B on conduct so we are extremely happy. She has only had one A and maybe two B's most of the time she fluctuates between the C to F stage. Her academic grades are great though. We just got a progress report and she still has all A's. We are trying to encourage her to manage her behavior better....but we will see.

Credit Card Tally

So to the right I have posted our Credit Cards and the percentages to pay off. I have listed them in importance of payoff....for instance any extra money right now is going toward the CitiBank card with the 32% interest rate. It is a little misleading, because the amount owed varies from as little as $40 to upwards of $2000+ on some cards. Bear with me as I explore how to best display this. The Visa and Sams are both nominal amounts and I might get those knocked out with any extra money before applying it to the CitiBank, just so that I have less monthly payments. I plan to move money off the CitiBank to the Capital One from 32% to o3.99%.

Total debt:$7,814.16

I don't count car/house in this debt. I am hoping to knock out most of this debt by 2009. I know it is ambitious but here is my thinking:

Tax Returns = $1500 (very conservative)

3rd paycheck me 2x in 2008 = $1600
5th paycheck Steve 4x in 2008 = $1200
Monthly $200 x 12 months = $2400

Total: $6,700

Now this does not include any overtime or extra jobs that Steve gets, plus any number of creative way we come up with to save money to go towards our debt.