Here are the September 2009 totals.

September 2009

Student Loan 1: $1,658

Student Loan 2: $914

Bank of America 1: $7,862

Bank of America 2: $7,039

Bank of America 3: $4,985

Chase 1: $4,313

Chase 2: $2,695

Citi: $2,236

Target: $2,441

Overdraft: $2,999

401K Loan 1: $2,822.94 (Pay off 07/16/2011)

Car Loan: $12,747


DEBT TOTALS

Credit cards & Overdraft: $34,570
Student Loans: $2,572
401K Loans: $2,823
Car Loan: $12,747


THE BIG DEBT TOTAL: $52,712

Total Freedom Account: $74
Total Emergency Fund: $0
Total Retirement: $55,453

All in all, it's about $200 more debt than in April, but looking closely, our credit card/overdraft debt went up to the tune of about $2700! UGH! I hate thinking about that.

Our retirement has gone up about $5k since April. That's always nice to see.

Also, I blogged earlier about getting $150 for Amazon.com from our insurance and that I was going to use that for a food processor. That's not the case anymore. That's too much of a luxury right now. Instead, we'll use the money to get a new radio for our car as well as a few other things we need. I know I'll feel better in the end. Perhaps once we're out of debt, I can reward myself with the food processor. We'll see.

So, the goals for the fourth quarter of 2009 as the same as all of 2009, but I have lowered my expectations as some of them would not be possible with all the things that have come up (debt, furlough, etc.).

2009 Quarter 4 Goals

1. Get our CC/overdraft debt to under $33K.
2. Start an emergency fund.
3. Be consistent in living our budget - no more overdraft!