New Month

Okay, so back to the numbers. Here is what's set up to automatically deduct from my account:

$40.00 AMEX
$45.00 Cingular
$50.00 Chase
$55.00 Macalester
$90.00 Car Ins
$100.00 Discover
$120.00 Wells Me
$120.00 Wells Dad
$130.00 Mom
$270.00 Car
$450.00 Rent
$1,470.00 (TOTAL)

Here's the money I currently have:
$90.00 (K owes me for Absinthe purchase--need to deliver Absinthe--K is loaded, no issues)
$90.00 (J payed me for Absinthe --I need to cash her check)
$429.00 Work Account
$2,335.00 Home Account
$2,944.00 TOTAL

And these numbers are obviously off a little, because of difference in payments and interest since last reported, but this is the basic rundown of the debt:

$12634- Wells Fargo (my account)
$3705 - Wells Fargo (my father's account -- money he took out for me that I pay back)
$2063 - Mac Loan (money I borrowed from the school itself)

Car:
$4600 @ 9% APR

Credit Cards:
$0 - Wells Fargo Visa (wohoo!)
$931 @ ($531 @ 29.24%APR & $4,00 @ 3%) - Chase Visa
$3850 @ 0%APR – Discover (expires in April unless I make 3 purchases/mo)
$1778 @ 2% APR - American Express (life of loan)

GRAND TOTAL
$29561

$6609 in credit card debt.
$18402 in school loans
$4600 for my car

I have to go to Milwaukee for my niece's b-day, and I need to buy 2 presents (niece and my sister H, as I missed her b-day in Feb.) Trip, with presents and expenses will probably be about $200.

I spend about $120 a month in gas.

My back is screwed up so I need about 4 chiropractic apts, so $80 in copays.

I've been spending about $200 on groceries, and about $350 at restaurants (YIKES!)

And I accidentally paid $90 to Midphase for a website I no longer keep up. That's just me griping.

I owe $50 for parking tickets.

And probably $150 in car maintenance.

Given other miscellaneous expenses, that comes to:

EXPENSES:
$120 - Gas
$200 - Trip + B-Day Presents
$550 - Food (have to look at this-I think this does include some entertainment)
$50 - Parking tickets
$150 - Car Maintenance
$1070 TOTAL EXPENSES

SO, if my expenses are $1070, my payments are $1470, And my cash on hand is $2944, I have $404 to blow on my Chase. Which is far less than I hoped, but I'm going to deposit that now. And... done.

DRUM ROLL!!!!

Credit Cards:
$0 - Wells Fargo Visa (wohoo!)
$500 @ (@ 29.24%APR) - Chase Visa
$3850 @ 0%APR – Discover (expires in April unless I make 3 purchases/mo)
$1778 @ 2% APR - American Express (life of loan)

That $400 was equal to: well, less than 1% of my OVERALL debt, but OVER 6% of my CC DEBT!!!

Again, I'm still owed $1200 from work for a class, which I should get in 2 months. That goes right to the bottom line, to.