Well they have been supposed to call me back for over a week now, and still nothing, and email me back for over half a week. So with their unwillingness to help themselves, I have finished up the paperwork to refinance the Cobalt and save about $50 a month, which of course I can then use towards any other bills.
Considering the other day I found that if I paid an extra $100 each month I and then put what ever funds I paid off on the next bill, after 6 years I would own everything, all credit cards would be paid off, all loans for cars, and even the mortgage would be paid off.
So now I am working on that angle. If I can get the personal loan paid off... unfortunately I will have to take out another one, but it will save in the long run on car insurance, as 1510 is due on the first of next month... hopefully I can get the less than 1284 paid off next paycheck, take out another 2 g's and pay 1510 towards the car insurance. The down side is the question of the rest of the bills being able to be paid for on the first with using up 1200 for that.... since on the first 1415 and change would be due before my first paycheck of the month.
Well we shall see.
Really all and all I just can't wait for summer classes with over 40 hours per week at $10 an hour plus 3 classes. For once I'm thinking the summer will be a catch up time.
really if I worked solely at the summer camp plus the classes I would rack up about 50 hours just at the day care so that would make up about $500/wk * 80% for taxes at 20% = about $400 plus the classes which would be maybe that every two, or a total paycheck of $1200 every two weeks, that would be nice, plus the "poverty check" from LAC as Jose likes to call it making a whopping 5.85/hr * 9 hours 42.12 a week or 84.24 a check about. That is if they give me just the weekends. So really every month about $2568.48 after taxes... give or take a few hopefully a few more since I'm claiming two now. Also add in the $500 from the bro at the house. So I'll be able to keep up the $3000 a month plan for the 6 year goal.
Which consist of paying it down one at a time. I did the quick math the other day, deciding if I wanted to put an extra 81.48 towards the Mortgage, because of the extra escrow that has been added making it a 718.52 payment each time instead of my 690 whatever. Working towards taking off an extra 37.86 in PMI payment for insurance... blah....
anyways if I paid off the personal loan, and put an extra 117 towards the credit cards each month which would be after 6 if I just made it an even 100 extra on the Loan, so done in Sept. If kept paying about 100 ea month on the CC's in Sept it would be down to about 2,700 in CC debt.
So add the now $200 into the CC payments which is making 50% more on them and bam paid off in about 5 months or Feb 2009.
Now there's $600 extra in the pot so put that towards Cobalt about 9,300 by then and then within 11 months it would be paid for as that is tripling the payment, so in other words Jan of 2010.
Okay, still with me?
so now we're up too $900 a month extra on .... the Charger which would be at 18,280 by 2010 in Jan, so now it just has a 13 month life span or Feb of 2011 and by then that 37.86 would be off automatically anyhow.
So there would be an extra $1,500 towards the mortgage, and now we're looking at about $40 months, which is almost a car loan and done in Jun of 2014... which if all stays the same by then now we're looking at over 2 g's a month to invest in retirement or whatever. a new home maybe?
