Thursday, November 20, 2025

Debt Math

 Okay. I paid off the last of my sugery balance from my savings. 

I need to put $1000 in savings from this and where I had to dip into it last month. 

I can put $600 from my november bonus  towards that, leaving only $400. 


Debt:

  • Owed to savings: $400 - to be paid Dec 26
  • USAA CC 1: $1108 -> $300 to pay Nov 26
  • USAA CC2: $377 -> pay $100 Monthly -- This is my GYM only card. 
  • Sams CC: $946 --> Pay $50 monthly
  • Advia Loan: $ 5199 ---> 450 to be paid monthly
  • USAA Car: $6691.23 --> $380 to be paid monthly. 
  • NEW Medical Bill: 957 --> $80 to be paid monthly on the 2nd. 
Ive got $3.5K coming in February from financial aid. Need to pay off lowest to highest. 
  • $1K go to personal Loan. auto. 
  • Pay off GYM CC as that will be the lowest balance (Most likely about $500)
  • Pay off SAMs CC $1K as it is highest interest & second lowest balance. (hide card after.)
  • Pay off Medical Debt as that is third lowest. (about $700)
  • Remaining (about $300) will go to savings. 
Any return from taxes will go to savings and USA CC 1. 

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