So it's been a year and a lot has changed.
Since my last post, I moved in with my fiancee, got a puppy, broke off my engagement, my fiancee moved out, my puppy moved out, and I'm getting set to move in a month.
Financially things have been interesting. Never terrible, but definitely tighter when we were living together. So now I'm pretty much on track to get everything straightened out. This month will be a little crazy but come mid-September things should smooth out. I had to deplete most of my emergency fund because my new apartment wanted 1.5 months Security Deposit and first months rent up front. That means in September I won't owe rent, and I should be getting my old security deposit back, which will put my E-Fund back to around $2k. I'll also be turning 25. Rent will be $150 cheaper a month and it will be half the distance to work. I'll have to pay $40/mo to park at my complex, but that will offset a little bit with the decrease in gas.
Right now I have a couple of debts:
$1400 on Amex: 0%APR until October. This is from new couches (they were gonna save my relationship, I tell ya!) and an emergency visit to the vet involving the pups and a bowl of hershey kisses. I'll be paying $400 towards this in August, and the rest of the $1000 in September since I won't owe rent.
$12,208.73 Car Loan: 7.05%APR. I pay ~$400 a month for the next 34 Months. Starting in October it's my plan to make double payments, which should clear the loan up in December 2010, and save me ~$600 in interest.
$11,624.12 Student Loan: 4.75%APR. I pay ~$112 a month for the next forever (12 years or something). If I make the minimum until the car is paid off, then snowball the $800, it'll be paid off in December 2011. I'll see when that time comes what my goals are at that point and decide how much to put towards it, but I'll definitely like to have it cleared up sooner than later.
Also beginning in October I'll be making it a point to put $250 a month into Savings (right now it's an arbitrary amount based on what's left at the end of the month). I could put it towards debt, but I want a little more than $2k stashed away, just in case. I should also have some extra money each month that I haven't accounted for, because I really need to start taking care of things like eye doctor and dentist visits, which I've been putting off. If I don't use the money on those things, it'll either go towards debt or savings, as I see fit.
My 401(k) has finally vested, and is currently sitting at $19,697.26. I have ~$600 in Company stock, waiting for the price to go up. I think my biggest goal right now is to clear up the car loan. I have no idea what I want to do in life going forward, but I don't want to be stuck somewhere because of debt. Let's see how it goes.