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November 2012 Update

November 26th, 2012 at 09:48 am

So November 24 the auto loan hit and was at about $8,080. I could not stand to see it that close to being under $8K, so I transferred an additional $115 to bring it to about $7,965! Even with December interest it will not be above $8K ever again! So 44% paid off in 11 months!

Last post I wanted to be 50% paid in 12 months, but may be at 48%. We also wanted $6K in the EF by December 31. We can't have both though.

We have $600 budgeted for Christmas spending this year. We are on budget so far on that.

We did rescue a dog three weeks ago, our first dog at that. We have a cat we adopted 2 years ago as well. The dog is a 2.5 year old Pomeranian mix. She came spayed, micro chipped, up-to-date on shots. The donation was $250 and spend about $250 on supplies etc. That we did not budget for, main reason we can't have both $6 in EF and 50% auto loan payoff in 12 months. She is a cutie though.

The Phase 4 of 5 windows are installed and look great! Just the basement left for some time in 2013.

Only random (hopefully) expenses remaining this year is NYS auto inspection for $21 on my wife's car and NYS registration renewal on my car for about $120.

I expect the cc bill to be about $4K from all the above, so when I get it, funds will be transferred to pay it in full.

2 Responses to “November 2012 Update”

  1. FrugalTexan75 Says:

    You can't tell us about a new dog and not post pictures!!

  2. Jerry Says:

    I agree with FrugalTexan75... and we were just talking about getting a dog from a shelter last night, in fact. Smile I think that your eagerness to push that car loan below the 8k mark shows the kind of mindset that will lead to some insurance of continued success over the coming year. Good luck!
    Jerry

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