I'm continuing to TRY to plug away at my debt. I say try because I see that there are set backs at times. This month brought about some surprises that took away my emergency fund completely. My battery died in my car and then I had to get an MRI. Seeing as I went up to the $1000 deductible plan this year, I had to pay for the whole thing out of pocket :/ So basically, my whole $1000 went goodbye. But the GOOD news is, I built it back up again already. The bad news is, there's not all that much change in anything else as far as my debt goes.
There are a few things that I've noticed still need to change. I have a few things that automatically bill to my credit card that I have to figure out what I'm going to do with. My massages go on there. I know massages sound like a luxury, but for me they're really not. They're a medical necessity for my migraines and the massages I get are actually painful. It's trigger point therapy. I also have my netflix billed there, my XM radio billed there, and my itunes account is connected to it. So I either need to drop all of that stuff or have it put onto my checking account. I just HATE having stuff automatically debited out of my checking account. I have to remember Ramsey's main slogan though! "Live like no one else now so you can live like no one else later." So maybe I'll have to get rid of netflix and xm and new music. God that sounds hard...lol.
Anyway, this is what the finances look like from the starting point and what they look like now:
Checking account: Starting Point (1/20/12) $531.71 March 2012: $32.04 (Once again, this is a GOOD thing as the goal is to equal out to zero at the end of things. You're using an envelope system and the rest is going to debt so there should be nothing in your checking account really.)
Savings Account: Starting Point (1/2012): $25.80 March 2012: $1,000.96 (totally funded emergency fund refunded in just one month!
401K: Starting Point (1/2012): $13,289.75 March 2012: $15,119.19
Credit Card Debt: Starting Point (1/2012) $7,154.34 March 2012: $5,785.56 (sadly, this number actually went up about $100 this month :( I'm not beating myself up TOO bad though because I did put $1000 in savings this month. The money that was charges was those automatic charges I was talking about earlier.
Student Loans: Starting Point (1/2012): $13,318.94 March 2012: $13,064.86 (I can't WAIT to get my credit card debt paid off so I can really start tackling this debt. It's so sad to see how slowly it goes down because of the fucking ridiculous interest they charge!!!!)
So overally, the picture is getting better and better, though it's slow progress. But I'm going to keep sticking with it because it's making me smile so much to see my debt going away and my savings grow as far as my actual savings and my retirement fund :) As I've said before, I can't recommend Dave Ramsey's Total Money Makeover plan enough!!!!!