All of the balance transfers are completed, thankfully! I just totaled up the numbers, and we are about the same debt wise as our last update, due to the balance transfer fees. Thankfully, we will recoup these fees in two months, which is much quicker than I had anticipated.
BOA actually lowered our interest rate, so I sent the money that would have went there to my car, since it had a much higher interest rate. Aside from the student loans, we have the car loan, DH's BOA credit card, and the new Citi card. My car will definitely be paid off this month, which just leaves the two credit cards. It will be nice only having to make the two credit card payments a month as opposed to the six we were making.
I get paid this week, but this will all be going to groceries, gas, dates, etc. However, DH will be getting paid next week, and we should have a decent debt pay down from it. My goal is to make $2300 in debt payments for the month of October.
I did a little Christmas/birthday shopping for DH. His birthday is four days after Christmas, so I have to plan accordingly. I was able to get him 2 pairs of jeans, 2 pairs of khakis, and 2 hoodies for $140, which is awesome. I love Kohls and their coupon codes. My plan is to have all my shopping for him done by the end of November for both his birthday and Christmas.
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