Phase One. Eliminate CC2.

COMPLETED!!!

Phase Two. Build up EF to $1,000.

Between the three accounts, taking out a little for airfare and adding in regular budget amounts plus extra my savings has increased by $129.83 since the end of last month. Rock on. Granted it's not the expected increase of $155 but considering I pulled out $90 I know I totally would have exceeded the expected.

Phase Three. Pay off as much of CC1 as possible by 4/15/2010.

Statement balance difference: +$1,758.15
Total payments: $523
Total charges and fees: $248.70

Previous potential balance by 4/15/2010: $3,916.24
New potential balance by 4/15/2010: $6,701.73

Right now only $2,141.74 to go before things get back to normal. This includes the $2,000 balance transfer I did for my brother. Hopefully he can start paying me back soon so I can eat away at it faster.

---------

I updated my Quicken balances. It now shows a payoff date of 2/1011 but that's because I don't enter in the lower interest rate because that only applies to a small portion of it. The interest saved now it shows as $781.42

---------

Since my raise won't be in effect til next month, I'm really glad I held out $60 to cover the budget. I didn't really need all of it though. But I'll still do it next month til I know what my actual amounts will be. I wound up with $48 left over, I like to keep $20 as a cushion so I transferred $28 to savings since that's the Phase I'm in right now.

And I found out that I can't get glasses at the cheap place I found online. My prism is too heavy. So looks like I'll be staking out LensCrafters and Binyons after all looking for a good deal.