[Gruntina]

Hi All,

Thanks for your responses. It’s really awesome to have people out there like you supporting financial causes for the better.

Updates: Car Loan now stands at $4,367.86

Right now I pay bi-weekly $185.00 towards the big debts. It roughly comes about $400.00 a month when you divide the 26 payments by 12 months. The payments matches the schedule of my paychecks. I have no penalty when making additional payments and all additional payments goes towards principle. What I do each month, I call them up and pay additional $1000.00. The bi-weekly payments are automatic withdrawals from my account. I do not want the $1000.00 to be automatic in the case of an emergency were to happen. So far not! Whew!

Car payments are minimum of $144.00 dollars. I orgininally had this so low so I could focus on paying the bigger debts. I usually add an average of 300 dollars to it each month and it’s also no penalty of making additional payments and goes towards principle. In the mean time, I am still trying to find ways to lower my cost of living to see if I can put more towards the debts.

I see many of you have good perspectives and ideas. Thanks so much.