Progress Report

Journey through my Total Money Makeover

Starting Debt Total = $104,616.74
Total Paid Since July 2007 = $83,057.08
Principal Paid = $71591.67
Interest Paid = $11,465.41 (as of October 31st)
Amount Owed = $33,025.07

DEBT SNOWBALL

• PFCU Line of Credit = $385.75
• Discover Card = $2630.35
• HSBC  = $3379.28
• Bank of America = $3924.92
• Mastercard = $9969.06
• Car Loan = $30161.16
• EdFinancial = $54166.22

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Updates in reverse chronological order

YEAR 5: July 2011 to June 2012

2011 NOVEMBER

• EdFinancial: Minimum payment $316.76 plus $_____
  (estimated debt free date: _____)

2011 OCTOBER

• EdFinancial: Minimum payment $316.76 plus $1272.99
  (estimated debt free date: July 2013)

2011 SEPTEMBER

• EdFinancial: Minimum payment $316.76 plus $1376.86
  (estimated debt free date: July 2013)

2011 AUGUST

• EdFinancial: Minimum payment $316.76 plus $1156.59
  (estimated debt free date: July 2013)

 2011 JULY

• EdFinancial: Minimum payment $316.76 plus $2884.00
  (estimated debt free date: Nov 2013)

YEAR 4: July 2010 to June 2011

 2011 JUNE

• EdFinancial: Minimum payment $316.76 plus $242.08
  (estimated debt free date: Jan 2014)

 2011 MAY

• EdFinancial: Minimum payment $316.76 plus $5257.99

2011 APRIL

• EdFinancial: Minimum payment $316.76 plus $454.22

2011 MARCH

• EdFinancial: Minimum payment $316.76 plus $327.46

 2011 FEBRUARY

• EdFinancial: Minimum payment $316.76 plus $75.06

2011 JANUARY

• EdFinancial: Minimum payment $316.76 plus $68.80

2010 DECEMBER

• EdFinancial: Minimum payment $316.76 plus $400.80

2010 NOVEMBER

• EdFinancial: Minimum payment $316.76 plus $561.25

 2010 OCOTBER

• EdFinancial: Minimum payment $316.76 plus $75.06

2010 SEPTEMBER

• EdFinancial: Minimum payment $316.76 plus $68.70

2010 AUGUST

• EdFinancial: Minimum payment $316.76 plus $839.74

2010 JULY

• EdFinancial: Minimum payment $316.76 plus $618.03

YEAR 3: July 2009 to June 2010

2010 JUNE

• EdFinancial: Minimum payment $316.76 plus $68.70

2010 MAY

• EdFinancial: Minimum payment $316.76 plus $68.70

2010 APRIL

• Car Loan: Minimum payment $504.92 plus $2685.75 to pay off car
• EdFinancial: Minimum payment $316.76 plus $68.70

2010 MARCH

• Car Loan: Minimum payment $504.92 plus $
• EdFinancial: Minimum payment $316.76 plus $75.16

201o FEBRUARY

• Car Loan: Minimum payment $504.92 plus $4229.21
• EdFinancial: Minimum payment $316.76 plus $75.16

2010 JANUARY

• Car Loan: Minimum payment $504.92 plus $209.47
• EdFinancial: Minimum payment $316.76 plus $75.16

2009 DECEMBER

• Car Loan:
• EdFinancial: Minimum payment $316.76 plus $75.16

2009 NOVEMBER

• Car Loan: Minimum payment $504.92 plus $1053.94
• EdFinancial: Minimum payment $316.76 plus $75.16

2009 OCOTBER

• Car Loan: Minimum payment $504.92 plus $334.75
• EdFinancial: Minimum payment $316.76 plus $75.16

2009 SEPTEMBER

• Car Loan: Minimum payment $504.92 plus $232.70
• EdFinancial: Minimum payment $316.76 plus $75.16

2009 AUGUST

• Car Loan: Minimum payment $504.92 plus $1072.90
• EdFinancial: Minimum payment $316.76 plus $75.16

2009 JULY

• Car Loan: Minimum payment $504.92 plus $119.73
• EdFinancial: Minimum payment $316.76

YEAR 2: July 2008 to June 2009

2009 JUNE

• Car Loan: Minimum payment $504.92 plus $561.05
• EdFinancial: Minimum payment $316.76

2009 MAY

• Car Loan: Minimum payment $504.92 plus $368.07
• EdFinancial: Minimum payment $316.76

2009 APRIL

• Car Loan: Minimum payment $504.92 plus $501.67
• EdFinancial: Minimum payment $316.76

2009 MARCH

• Car Loan: Paid $184.12
• EdFinancial: Minimum payment $316.76

2009 FEBRUARY

• Car Loan: Minimum payment $504.92 plus $2691.54
• EdFinancial: Minimum payment $316.76

2009 JANUARY

• Car Loan: Minimum payment $504.92 plus $804.67
• EdFinancial: Minimum payment $316.76

2008 DECEMBER

• Car Loan: Minimum payment $504.92 plus $758.51
• EdFinancial: Minimum payment $316.76

2008 NOVEMBER

• Car Loan: Minimum payment $504.92 plus $167.79
• EdFinancial: Minimum payment $316.76

2008 OCTOBER

• Car Loan: Minimum payment $504.92 plus $981.40
• EdFinancial: Minimum payment $316.76

2008 SEPTEMBER

• Car Loan: Paid nothing. The account is paid ahead so payment wasn’t required
• EdFinancial: Minimum payment $316.76

2008 AUGUST

• Car Loan: Paid nothing. The account is paid ahead so payment wasn’t required
• EdFinancial: Minimum payment $316.76

2008 JULY

• Car Loan: Paid nothing. The account is paid ahead so payment wasn’t required
• EdFinancial: Minimum payment $316.76

YEAR 1: July 2007 to June 2008

2008 JUNE

• Car Loan: Minimum payment $504.92 plus $0.08
• EdFinancial: Minimum payment $316.76

2008 MAY

• Car Loan: Minimum payment $504.92 plus $55.05
• EdFinancial: Minimum payment $316.76

2008 APRIL

• Car Loan: Minimum payment $504.92 plus $1629.47
• EdFinancial: Minimum payment $316.76

2008 MARCH

• Mastercard:  Minimum payment $200 plus $3928.50 to pay off and close account
• Car Loan: Minimum payment $504.92 plus $135.28
• EdFinancial: Minimum payment $316.76

2008 FEBRUARY

• Mastercard:  Minimum payment $200 plus $1782.11
• Car Loan: Minimum payment $504.92
• EdFinancial: Minimum payment $316.76

2008 JANUARY

• Mastercard:  Minimum payment $200 plus $1677.09
• Car Loan: Minimum payment $504.92
• EdFinancial: Minimum payment $316.76

2007 DECEMBER

• Mastercard:  Minimum payment $200 plus $1538.73
• Car Loan: Paid nothing. The account is paid ahead so payment wasn’t required
• EdFinancial: Minimum payment $316.76

2007 NOVEMBER

• Mastercard:  Paid nothing. The account is paid ahead so payment wasn’t required
• Car Loan: Minimum payment $504.92
• EdFinancial: Minimum payment $316.76

2007 OCTOBER

• Bank of America:  Minimum payment $75 plus $1555.82 to pay off and close account
• Mastercard:  Minimum payment $200 plus $206.75
• Car Loan: Minimum payment $504.92 plus $0.08
• EdFinancial: Minimum payment $316.76

2007 SEPTEMBER

• Bank of America:  Minimum payment $75 plus $1510.27
• Mastercard:  Minimum payment $200
• Car Loan: Minimum payment $504.92 plus $1.08
• EdFinancial: Minimum payment $316.76

2007 AUGUST

• Discover Card: Minimum payment $40 plus extra payment of $1045.85 to pay off and close account
• HSBC : Minimum payment $10 plus $3201.69 to pay off and close account
• Bank of America:  Minimum payment $75 plus $595.29
• Mastercard:  Minimum payment $200 plus $99.08
• Car Loan: Minimum payment $504.92
• EdFinancial: Minimum payment $316.76

2007 JULY

• PFCU Line of Credit: Minimum payment $10 plus extra payment of $375.75 to pay off and close account
• Discover Card: Minimum payment $40 plus extra payment of $1521.32
• HSBC : Minimum payment $10 plus $127.59
• Bank of America:  Paid $38.54
• Mastercard:  Minimum payment $200 plus $82.92
• Car Loan: Minimum payment $504.92
• EdFinancial: Minimum payment $316.76