Planning Ahead For May Paycheck.

Okay. I'm doing some pre-planning wrt May. I have already blown about $78 of my next paycheck. I have very little money in my accounts to get me by, but I'm going to live off bread, water, and bicycles for a few days so I don't have to spend any more money. (I might loose a few pounds in the process--wheee!)

I will see about $2,711 next paycheck. Minus the $78 I've either fowarded or have to pay back to my Wells Credit Card, that leaves me with... $2,633.

I have re-organized all my payments to shift a small bit of cash--$64--to my car payment. I'm not including the car in the usual roundup, because it's now my Target Debt.

TOTAL BILLS
$30.00 AMEX
$31.00 PHONE
$74.00 DISCOVER
$500.00 RENT
$55.00 MACALESTER
$130.00 MOM
$120.00 WELLS DAD
$106.00 WELLS ME
$90.00 AUTO INS
$1,136.00 (TOTAL OUTGOING BILLS)


EXPENSES
$120 - Gas
$550 - Food (have to look at this-I think this does include some entertainment)
$100 - Going to Milwaukee to visit family
$770 (TOTAL EXPENSES)

TOTAL BILLS AND EXPENSES: $1906

With, (I hope!) $2633 on hand, I will put $720 towards my car. I've scheduled that amount as a recurring payment on my bill pay, so I don't fool myself into thinking I have it to spend.

That leaves me with:

After my monthly payments

SCHOOOL:
$12351 - Wells Fargo (my account)
$3405 - Wells Fargo (my father's account -- money he took out for me that I pay back)
$1900 - Mac Loan (money I borrowed from the school itself)

CAR:
$3375 @ 9% APR

CREDIT CARDS:
$0 - Wells Fargo Visa (wohoo!)
$0 - Chase Visa (wohoo!)
$3587 @ 0%APR – Discover
$1490 @ 2% APR - American Express (life of loan)

GRAND TOTAL DEBT!!!
$26108

$5077 in credit card debt.
$17656 in school loans
$3375 for my car

That's 17.6% of my car since last month!!! From here on out, I'm keeping track of the car payment from the $4095 number of last month, so I can gauge how far I've gone since I set the goal.