No. of Recommendations: 0
Thanks to a pay increase and elimination of nonessential expenses

Congratulations, and kudos!

aiming to pay an additional 2500 to 3500 per month on the debt

Is that in addition to your minimums, or what?

If you would post your income and expense details (remember, we have no idea who you are), we can help you nail down this number and help you ensure that it's being used as efficiently as possible in your debt pay-down.

I might tentatively add that home ownership and cars that require car loans fall under many peoples' definition of nonessential expenses. What percentage of your income is snarfed up by your house PITI (principal, interest, taxes, insurance)? Is your car loan close to being paid off? Might it make sense to sell the car and buy an older used, but reliable, model to get rid of a debt or two, or are you underwater on the loan (owe more than the car is worth)? Except the day we drive it off the lot brand new, we're all driving used cars. Houses also cost more than PITI. So far this year, we've spent nearly $1,000 each on termite bond and mold mitigation in HVAC ducts. I often wonder if I'd be better off renting, and I don't even have a mortgage.

Good luck--and keep posting, and listening.
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