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URL:  https://boards.fool.com/sono-what-31533817.aspx

Subject:  So...no what? Date:  12/9/2014  4:50 PM
Author:  neveragain Number:  308867 of 313032

August 2013       April 2014       September 2014     December 2014
Amex 15.24           35454             23500                      0              0
Chase 14.24          16580             12000                    800              0
Chase Freedom        7143 (15.24)       4000(15.24)            8493 0%          7996 0% until July 2015 (15.24)
Bank of Am 1         7072 (9.9)         4000 (9.9)             8320 0%          8224 0% until Jan 2016 (9,9)
Bank of Am 2         8700 (11.24)       6000 (11.24)           7002 0%          6795 0$ until 9/2015 (11.24%)
Cap1 Vent 29.9       3395                  0                      0                0
Cap one  9.9         4384                3500                  3284                0
Prosper  19.79       9160                   0                    0                 0
prosper  14.79       9605                   0                    0                 0
Lending club 10.99                       15200                 13285.82            0
Citi                                     2500                  2838              2765 0% till 4/15 (22%)
Chase slate                                                    3047              2957 0% till 7/15  (?)
discover                                                                          8240 0% until 2/15 (12.99)
                    
                    101493                70700                47069             $36977


This is where I stand right now. The only debt that I am currently paying interest on right now are my student 
loan debt (19k - 2.625% interest) and the mortgage (approx 464k at 2.94% interest).

I can continue to pay off the consumer debt, snowballing until its wiped out - roughly September/October. 
Or I can slow down a bit and pay extra off of the student loan or mortgage and pay off the credit cards 
until the very last day that the 0% runs out on each extending my debt payoff by an additional four months. 
I am leaning towards making progress on the student loan or possibly the mortgage. We are in year 3.5 of a 
5 year ARM. I would like to refinance once we get the loan out of jumbo territory to get the best rate. The 
mortgage is roughly 3700 (PIT). We have been paying 5k/month to get to <417k to refinance.

Also, one side question, if the 0% runs until the last day of the billing cycle 7/20/2015, does that mean 
I have to pay the balance off on 7/20/2015 or does it mean that if I do not pay the balance on the next bill 
in August, I will have to pay interest?

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