Three days can make a difference!
As of Sept. 22...
S-1) 2007 SEP-IRA for DH - fully funded at $7900
S-2) 2008 403(b) contributions for me - Contribute $1000/month
S-3) Establish Joint Emergency account of $10,000
DONE. It's actually at $12.5K now.
S-4) Max out 403(b) contribution with October raise - additional $291 per month
I've changed my mind. As noted earlier, I'm suspending November and December 1 contributions to fully pay off the personal CCd and build some liquidity (in case surgery really does happen in December, I am told it could take a couple of months for the Disability Insurance checks to get cut and paid!)
S-5) I need to establish an ING Direct account.
Done, and funded with $275. This leaves $600 in the CU savings, $400 in Wells Fargo (so we can get a safe deposit box), for a total of $1275 in the personal EF.
DR-1) Pay off joint credit card (current balance $16,535, Interest rate of 6.12%)
I have $4K to pay now, and an additional $3K at the first of the month - that will bring it down under $10K. I brought home a spreadsheet last Friday, and DH agrees it's time to tighten up. Happily, we're not in need of anything, so I plan to get this paid off by Valentine's Day (and what a present to each other that *that* would be!) I could possibly pay down another $2500 now, but have decided to wait until surgery finances are clearer.
DR-2) Pay off individual credit card (interest rate of 4.99%)
Current balance: $3127. Ouch.
1) I reduced my extra withholding on Fed Taxes by $300 monthly.
2) On Nov. 1 and December 1, I've decided to stop my 403(b) contribution. With a scheduled payment to the card of $1200 on October 1, with an additional $1K each month for November and December, that should take care of paying it off completely by the time I go for surgery.
3) As noted in a previous post, I've decided to get back to basics with spending. I've gone to the bank, and withdrawn cash. I have $7 per day on weekdays, and $10 Sat/Sun until the end of the month. I will carry only that day's money with me. Since starting this last week, I've had $$ left over each day. Intensity matters.
DR-3) Pay off car loan (current balance $14,369, Interest rate of 5.3%)
Later on the To Do list...