Debt $ense

I still don’t know what my paycheck will look like come July 1. *sigh* But I have taken some time in the last few days to update my financial projections and figure out how close I am to hitting my end-of-year target for paying off my debt.

Right now, with the changes I mentioned yesterday, plus an extra payment in September because of the “extra” paycheck, I will have it paid off by late January. Adding an extra $50 a month means I can get it paid by early January. Increasing that extra payment to $75 brings it to the first few days of January. An extra $100 a month gets me to the end of December.

Short of an unexpected promotion, that $100 extra payment each month is a necessity. Even if I got twice the raise I did last year, there just isn’t enough extra to increase the weekly payments by more than $5 or $8. Which is not to say it wouldn’t add up - that’s $65-$100 over the course of 26 weeks. But that’s not enough.

I have a few things in the works for June that should get me the extra payment, so that’s one down. And I think I can come up with about $40 a month fairly easily from one source. If I can save another $15 from each paycheck, that gets me to $70. So I need to find ways to make $30-$60 a month on average.

I haven’t gone to Parks and Rec yet about fall programs. School ends this week and the pools just opened, so I figure I’ll wait a week or two until they’re not so swamped. I also still need to sit down and figure out which card designs I want to show them.

I did start designing the flyer for editing/proofing papers, and I plan to get that done and distributed around campus by mid-week next week. I don’t think I’ll get much from that this summer, but I’m hoping to get enough business to work out kinks so I can expand to the state university just north of here for the fall.

Also on my list is checking out the secondhand shop that just opened up the block to see what they buy and how they pay. I have some decent furniture I can get rid of that way that I either don’t like or don’t use. Most of my clothes for consignment are going to be fall/winter, so that will help with the later months.