Update #2 – September 2016

Hitting the Gas

This month was a pretty good one.  We agreed to really focus on paying off R’s car first, since that’s what “the plan” says to do, and we’ve put everything else on minimum payments.  I can’t stress enough the importance of having that $1,000 in savings as a cushion.  I’m getting ready to take my car in to the shop in a couple of hours for some unexpected engine work, and that cushion lets me leave the credit cards at home.  We’ll hit “pause” on this and build that e-fund back up as soon as we find out what the damage is, but standing still for a bit is infinitely better than going backwards.

The Numbers

Here’s where we stand as of September 29:
January 2016 September 2016
Car Loan $4,685.88 $3,386.32
Discover Loan $5,511.82 $4,245.34
Discover Card $7,939.49 $4,774.43
K Student Loans $14,058.10 $13,081.13
R Student Loans $47,879.41 $47,426.56
Total $80,074.70 $72,915.33
Total change: $7,160.92 paid off so far


Again, ignore February. It’s barely even a real month, anyway. Only 28 days, pfft…


The Explanation

Again, this month was pretty quiet.  R was under the weather towards the end a little, so she ended up missing a few days of work, but we both got to have several days of “staycation.”  We had PTO that we were going to lose if it wasn’t taken, and we’re getting into the busy season for all three of our jobs, so we figured now was as good a time as any.  We didn’t lose sight of the goal, though, and we agreed that staying in town was the best option for us.  There was plenty to do, and we didn’t feel like we were giving anything up by not traveling anywhere exotic.  We got to explore our own city, save some money, and most importantly, enjoy time with one another.  Just because we’re broke doesn’t mean we’re boring!!

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