I've Paid 26% Off In 7 Months!

Here we are again. Monthly roundup time!

I really like the Excel spreadsheet I've devised: it makes doing the bills easier, and projecting simpler.

I've included a screenshot of my spreadsheet instead of typing it all out. It's at the end of the page.

I transfered my Discover balance to a new American Bank card. The balance is at 0% APR, and I got a 0% transfer rate. It lasts until January, then goes to 10%. In February, I hope to pay off the bill with my bonus. As I've mentioned, I am expecting around 12%, hoping for around 15%, willing to live with 10%. We have 5% locked in right now (we lock in by the quarter, and we have an averaged "5th quarter", which is literally an average of the other 4).

My food and gas for both this and last month were on the Discover, as well as some miscellaneous meals, and $100 that I didn't transfer to the American Bank card. I came up with the Target Card/Super America Gift Card scheme earlier this month, so this is the first "full" implementation of it. The SA card is in my back pocket, and the Target Card is on it's way.


Highlights and explanations?

I usually pay off about $1,000 month in debt, but I just got a new, more expensive apartment ($250/month more!) and I had to pay the deposit. I should be getting my $500 deposit back from my old place, but that's iffy, because I have a jackass for a landlord. If and when I get that deposit, I'll put it towards my loans immediately.

I have $200 in "MISC EXPENSES" for moving. I have to get a truck, and buy beer and pizza, as is required.

The "MISC FUNDS" is just $50 that somebody owes me, that I expect to get back in a day or so.

FOOD and GAS are $200 and $100, respectively, and I moved those to the "balance" on the Discover Card, so as not to confuse myself when paying that bill. I paid the car insurance before the pay period, so that's not added on.

I DIDN'T pay on my car (I'm far enough ahead so I can skip a payment), but I have enough coming next month to pay off the remainder of the loan (and a little extra, to start on the American Bank card!)

That's the boring details!

THE WRAP UP?

Check out the status bar on the upper right! Nothing fantastic, this month. I stay pretty even, but I didn't slip, and despite some swapping around of when-I'll-pay-what, I'm still on track!