Overall February was a good month. I received my tax return and put that directly towards debt. This is also the first month I have tracked "extra income" and put all of that towards debt as well. This could be coupon or sale savings, overtime, bonuses for opening accounts, or selling items (such as books).

Here's the break down of my budget:

Must Haves (goal 50% or $1007.13)
~ Actual: 46.2% or $929.87

Save (goal 30% or $604.28)
~ Actual: 41.6% or $838.36

Wants (goal 20% or $402.85)
~ Actual: 12.2% or $246.03

These numbers are great! Especially my "save" category. Almost $900 towards debt reduction and savings. Also, the "wants" category did very well this month. Not only was the percentage very low, but also the dollar value. In January I spent $434.10 on "wants," compared to just $246 in February. Yah!

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Here's the break down of debt/savings in February, and the change since January:

Savings:

~ $112.06 short-term savings
(up $112.00)
~ $1.00 long-term savings
(down $30.00 - account incentive used towards debt)
~ $1,021.24 IRA
(up $5.31)
~ $2,994.57 401K
(up $227.06)
~ $340.33 vested Pension
(up $35.82)

Total Savings: $4,470.20

Debt:

~ $1,655.19 Private Student Loan 1
(down $758.26)
~ $3,260.45 Private Student Loan 2
(down $27.81)
~ $8,322.47 Government Student Loan
(down $36.07)

Total Debt: $13,238.11
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