We've only got our mortgage, BUT, you're in luck, I actually saved one of our spreadsheets from our debt snowball. It didn't end up working out quite this way, but you get the idea!
| Date | Total Debt | Visa (9.00%) | Hyundai (5.14%) | Toyota (6.97%) | Interest | ||||
| Balance | Payment | Balance | Payment | Balance | Payment | ||||
| September 2008 | $22,644.44 | $1,909.60 | $755.99 | $2,476.84 | $246.00 | $18,258.00 | $438.01 | $119.97 | |
| October 2008 | $21,324.41 | $1,162.14 | $755.99 | $2,240.26 | $246.00 | $17,922.00 | $438.01 | $115.24 | |
| November 2008 | $19,999.65 | $409.26 | $409.26 | $2,002.97 | $592.73 | $17,587.42 | $438.01 | $104.13 | |
| December 2008 | $18,663.78 | $1,416.20 | $1,001.99 | $17,247.58 | $438.01 | $101.24 | |||
| January 2009 | $17,325.03 | $416.01 | $416.01 | $16,909.01 | $1,023.99 | $93.97 | |||
| February 2009 | $15,978.99 | $15,978.99 | $1,440.00 | $77.68 | |||||
| March 2009 | $14,616.67 | $14,616.67 | $1,440.00 | $77.95 | |||||
| April 2009 | $13,254.62 | $13,254.62 | $1,440.00 | $67.63 | |||||
| May 2009 | $11,882.26 | $11,882.26 | $1,440.00 | $61.77 | |||||
| June 2009 | $10,504.03 | $10,504.03 | $1,440.00 | $51.89 | |||||
| July 2009 | $9,115.92 | $9,115.92 | $1,440.00 | $45.41 | |||||
| August 2009 | $7,721.32 | $7,721.32 | $1,440.00 | $37.16 | |||||
| September 2009 | $6,318.48 | $6,318.48 | $1,440.00 | $27.93 | |||||
| October 2009 | $4,906.41 | $4,906.41 | $1,440.00 | $20.51 | |||||
| November 2009 | $3,486.91 | $3,486.91 | $1,440.00 | $11.72 | |||||
| December 2009 | $2,058.63 | $2,058.63 | $1,440.00 | $3.66 | |||||
| January 2010 | $622.29 | $622.29 | $622.29 | $0.00 | |||||
I wish I had more of your organizational skills and enthusiasm! I should totally keep track better about 'all things important'. I'm doing the envelope system but 'forget' to full it every time I get paid. While I don't spend over I'd love to have that money 'to look at' in the envelopes. But's it's a good feeling not to have to pay gazillion bills every time I get paid, we still have one CC we're paying off. Few more months ... I also can't believe your grocery budget is that little!!! I have $200/wk allowance and I feel even with that I have to be super careful! How do you do it??
ReplyDeleteHanna, I try to meal plan, not use a lot of meat and use frozen organic produce. But, I also spend about $100/mo at Costco on top of my weekly grocery money.
ReplyDeleteI'm glad the envelope system is rewarding for you :D
I think I do a pretty decent job about meal planning. We can't go w/o meat. Zach needs that. How do you account for Damon's lunch? I think I spend about $6/day for Zach's. I should do more frozen produce. I'd love to cut the food budget, at least to $150/wk. ..Even with your Costco spending I still think you're doing an awesome job with keeping the cost down.
ReplyDeleteYeah, Damon can't handle no meat either. I just typically use less than a recipe calls for and add more veggies/beans. As for his lunch, he is in the field all day and so packing a lunch isn't particularly feasible, especially in the summer here. We've tried a couple times and end up giving up. So he has $130mo to spend on lunch. So if you add all that up, we spend approx $600mo (or $140/wk)on groceries/damon's lunch/toiletries.
ReplyDelete