Amount
|
Payoff
|
%
|
Min. Pmt
|
Notes
| |
Car Loan
|
$15,265.32
|
3 year - 12/2020
|
2.24%
|
$ 541
| |
401k
|
$32,970.54
|
20 year - 5/2032
|
3.25%
|
$ 227
|
Must pay off in full
|
T Alaska Visa
|
$18,006.899
|
10/2018
|
0.0%
|
$ 210
|
0% until 10/2018
|
HELOC
|
$86,769.511
|
10 year 2027
|
4.24%
|
$ 428
| |
Al Alaska visa
|
-
|
5/2019
|
3.99%
|
$ 150
|
We didn't pay it down a lot. However, our goal right now is to build up our savings to $10k before putting extra towards our debt. This is because my job has end dates now, and a large cushion will sustain us for a few months in the event that I don't get a new contract right away. It's our warm fuzzy.
This means our savings went from $3,500 in August to $6,130 as of this writing. $2,630 socked away. That includes the unassigned from our paychecks and anything extra in the categories. We'll likely hit the $10k mark in November.
We are still selling off our Lego investments, and that was originally going into savings, but we're redirecting that into our Vacation fund. Given that we have several vacations coming up and the Lego money was always meant to be fun money.
We should also be getting a windfall of $10k in the next month or two from our real estate efforts. That will go directly to the HELOC because it's pissing me off. They've been raising the rate every month (which is their right), but it's mucking with the auto-pay, as their auto-pay system sucks. We also want to open that up to use for a real estate slush fund, so it'll go first.
We're also transferring the balance on T Alaska Visa to A Alaska Visa, because the 0% is up in October. No balance transfer fee, and 3.99% until September 2019. Which is better than the stupid HELOC.
This means our savings went from $3,500 in August to $6,130 as of this writing. $2,630 socked away. That includes the unassigned from our paychecks and anything extra in the categories. We'll likely hit the $10k mark in November.
We are still selling off our Lego investments, and that was originally going into savings, but we're redirecting that into our Vacation fund. Given that we have several vacations coming up and the Lego money was always meant to be fun money.
We should also be getting a windfall of $10k in the next month or two from our real estate efforts. That will go directly to the HELOC because it's pissing me off. They've been raising the rate every month (which is their right), but it's mucking with the auto-pay, as their auto-pay system sucks. We also want to open that up to use for a real estate slush fund, so it'll go first.
We're also transferring the balance on T Alaska Visa to A Alaska Visa, because the 0% is up in October. No balance transfer fee, and 3.99% until September 2019. Which is better than the stupid HELOC.
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