Below is the updated numbers for what I owe at the end of April:
Car: 7876.26
Sallie Mae 1-6: 20786.57
Dept of Ed 1/3: 8220.55
ACS: 10439.37
Wells Fargo: 2480.56
Personal Loan: 3278.15
Slowly but surely making progress. However, I am noticing that I'm spending much more than budgeted in categories outside of debt so here's my planned April spending versus the actual for everything not accounted for above:
Item
Planned
Actual
External Savings
$30
$30
Netflix
$9
$8
Insurance
$85
$85
Credit Card
$110
$330
Gym
$30
$29
Linked Savings
$25
$25
Phone
$205
$205
Kohls CC
$60
$59
Obviously, my problem is the credit card. In order to continue to show utilization, I am trying to only charge my 110 food/gas/catch all budget and pay it in full each month.
I've started analyzing my credit card purchases to figure out where I'm going wrong, so more on that as I pinpoint my problem areas.