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MIA blogger . . .

February 20th, 2006 at 04:27 pm

Yeah, I know I've been really bad about posting. My computer at home is still not connecting to the internet, and I can't fix it. My boyfriend said he'd work on it this weekend, but didn't get around to it.

Last friday I got a larger than normal paycheck because of some overtime. I used all the extra towards my student loan, so my normal planned payment went from $160 to $248.12. That brings total extra payments for the month to $426! Smile Some of the extra is also from savings: coupons/grocery card savings and a HSBC account opening bonus.

I've been tracking all of my grocery store savings, whether it's through store cards or coupons, and using those for debt payment. It's really easy since they're listed right on the receipt. I just subtract whatever savings I had from my checkbook, and then add the total to my next planned debt payment. At first I was worried that I would end up running out of money, but so far I've still stayed in budget. I just divert more towards debt payment and make those grocery card "savings" actual savings Smile

It feels good to see the balance of my student loans going down. I'm on track to pay off my first private loan in May.

Spending for the month is also good. Here's a breakdown:

Must Haves: 53% (goal 50%)
Save: 30% (goal 30%)
Wants: 10% (goal 20%)

I know those percentages don't add up to 100, but that's just because the month isn't over yet. I have $122.31 left over 'til my next paycheck, plus an end of the month bonus check.

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