Struggling to be debt free

Here are my currently outstanding debts: Student loans  $3,589.00- paid up through March of 2020 $19,900.00 Mortgage $227,295 Credit Card $33.00 (alarm monitoring and an itunes purchase) My tax return and an extra $1000 from my budget should cover the remaining dental work that I have left.  That's great because all of my extra income will be able to go to pay off that small student loan.  I am estimating that the small student loan will be paid off by April  of this year.  If I only paid the minimums the loan would not have been paid off until 2030!!

Okay, time for me to set forth some goals for 2015.  Hopefully I will do better than I did last year.  1. Pay off $10,000 on my student loans. 2. Pay off the smaller student loan completely. 3. Cash flow the dental work I have left. 4. Be a better friend to my friends. 5. Read at least 24 books 6. Give more (time and money). 7. Lose weight = 30lbs. OMG!! Weight loss to date--3lbs. Sigh. 8. Find a new job. 9. Be more positive! 10. Increase online savings account to $3,500.

So it's time to see how I did with regard to my 2014 goals---not so well.  Take a look. 1. Continue to cash flow all of the dental work-FAIL- I had about $2000 of dental work that remained on my credit card into January.  I have since paid off that balance.  2. Pay down at least $2000 more on my student loans by the end of the year. I think PASS- I only get e-statements and I accidentally deleted.  Nelnet does not retain online copies for you.  But I know I made at least 2 $600 plus payments towards the end of the year. That $1200 plus my regular payments likely pushed me over the $2000 mark.  I will have to double check to be sure.  3. Get my emergency fund up to $10,000 by the end of the year.- PASS I have $10,006 in my emergency fund. 4. Get my online savings account up to $2,500 by the end of the year. - FAIL- I only had $2200 and some change as of December 31, 2014. 5. Get all of the dental work done this year so hopefully I can take a d...

Updates, updates, updates. First here is my budget for January 16-31 $230 utilities $100 groceries $100 savings $100 gas $1,555 credit card $200 spending $33 home alarm monitoring $100 car registration I spent over $14,000 in medical expenses last year (mostly dental).  I believe the total is $14,097.00.  I will be able to deduct a good bit of that on my taxes.  I ran a tax estimator and it is showing that I will receive a refund of about $3000 (the medical expenses and mortgage).   Any refund that I receive will like go to fund my dental savings account so I can get the last bit of work done.  I have not heard anything back from the law firm I interviewed with, so I can only assume that I will not be offered a position with there.  I don't think I'm upset about it.  My interview was a bit off kilter, so I don't think it would have been a good fit. I paid off the last bit of dental expenses that I had remaining on my credit card s...

I've been so busy since the Holidays that I have not had a time to post. I plan on doing my goals post and the results of last year's debt payoff efforts sometime in the next few days.  Anyways, here's my budget for January 1- 15.  $1,447 mortgage $275 student loan $125 home owner's association dues $60 pet plan $80 groceries $227 groceries $100 gas $100 dental fund