No. of Recommendations: 2
I have roughly $2150 available towards debt payment each month. I know that I won't be able to put all of that towards debt each month because things come up so I guesstimate about $1500 each month. Well, June was bad since I only knocked down my debt by $550.

It sounds like what you actually have is $2150 available per month for debt payment and other expenses.

I had some needs to take care of (auto insurance, doctor appointment, etc) and some wants (race registrations, bike jersey, etc) so some of it was justified and some of it wasn't.

Maybe you could put together a more accurate budget that takes into account those infrequent (but expected) expenses like insurance and doctors visits. You should also have some amount budgetted towards your wants.
If you budget is accurate and you stick to it, you shouldn't have surprises barring an emergency. Paying for car insurance or buying a bike jersey arent emergencies.

Good progress non the less.

Mosquito
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