The excuses were plentiful. Ranging from 'it's too confusing to figure out a goal time frame with people paying me back for stuff' to 'I don't really know what I want to do with this extra money so why bother'.

But I did it. I sat down and worked out exactly how I wanted things to get paid off. I figured out roughly how long it would take to do it, at least for the first phase. And it actually looks do-able. Nothing like a plan of attack that might actually work. I'm basically trying to get as much taken care of before I make the last payment on my consolidation loan.

My ideas and plans keep shifting but once I put them on 'paper' they seem to solidify a little more.

I put my Three Phase Plan on a Google Spreadsheet, a link can be found under Sites I Frequent. I plan on updating it whenever any of the three phases changes. The hope is that any dates or figures listed are worst case senarios. I know I will have Phase One completed before the end of February but going by what I know I can count on, that's the date that presents itself.

As for the things I know I need, well I will put off getting two new tires until November. I have enough in savings now to pay for them but I want to wait until the last possible moment to pull that money back out. And the Bed. Well, we'll just see where my Emergency Fund is at when September '07 rolls around.