No. of Recommendations: 4
We are having a family reunion in September and the not-smoking money will pay for that. I have a separate savings account set aside for it, with no ATM access or checks, so it is pretty safe (from me). It should be just over $1200 by the time we leave.

I don't know about the 0% transfer. I have re-evaluated what I can do financially and the plan is pretty rigid. I am almost afraid to change the course mid-stream.
I was going to continue to build my savings up while paying everything else down, but I've changed my mind and I am only going to build up to $5k and then put everything else toward the debt.
I know Dave Ramsay says you only need $1k, but I have a 20 year old AC unit and a 15 year old roof (in Florida). Their days are numbered.

I'll also take an extra class over the summer (full time instead of 1/2 time) while my daughter is with her dad, and that will bring in some extra GI Bill income. I'm cutting coupons, shopping the sales, not buying anything that isn't necessary and only eating out or going to the movies on special occasions.

I can, assuming nothing changes, have both the loan and the credit card paid off before 2015. The car should be paid off by mid 2015. That is one year earlier than the debt-free date of the original plan.

I'm pretty psyched about it!
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