I'm not actually putting more into 401k yet - I just changed it to a percentage. I'll gradually increase that percentage over time.
And, of course I'll keep track of what's in my accounts. I'm not about to start paying overdraft fees. The vast majority of my expenses are more or less fixed, and I don't need to think about them monthly. I will have to schedule my phone and electricity bills myself each month, as they do vary somewhat. That will allow me to keep tabs on my balances and ensure I don't get into trouble.
The plan - Pay off my cc right away. Pay off my revolving Discount Tire account before the interest kicks in. Make an extra $90 payment every month on my $10k vacation club loan, greatly reducing the interest I pay. This will allow me to have enough for my lifestyle and still build a decent EF within a year and set up a path to retire by my mid 50's, worst case scenario.
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