Math is Motivating.

I posted a NEW page on the side of my Blog.

It is my Sept 2012-2013 Goals. That way once I get home there is no thinking about what I want my money to do for me.

I have a plan...

#1 Ensure I have 12 Months of Emergency Fund.

#2. I used to MAX my TSP Retirement savings, well I want to change that. I want to instead of funding to my TSP which I can't touch until retirement I want to switch to Maxing my Roth IRA First then TSP to fill out the remainder of Baby Step 4.

#3. I want to start autofunding $250 per month to savings for Car Repairs or Replacement. By Dave Ramseys standard of Vehicles not to exceed 50% of yearly income I can afford a $27,500 car. That divided by 5 years, then monthly is Monthly Payments of $458.33 Which is more than I want to apply to a car payment.

#4. Then I want to start on Dave Ramseys Baby Step 6. YEP # 6, I have finally gotten over my fear of tying my money up pre-paying my Mortgage.

My plan is the automatically pay an extra $1,000 per month principle online each month.

Then I will send extra principle twice a month, when I see how much I have sitting in saving after paying all bills and extra misc things that pop up.

If I only pay the 1K then I can pay off my Mortgage in 7.5 years after starting extra payment on May 5, 2020.

If I were to pay $1,920 (which is my true Gazelle INTENSE Goal) than I could pay it off in 4.5 years or
on May 5, 2017.

Living Like No one else, so later I can live like no one else. If I had no house payment, I could live off Minimum Wage if I had too. The freedom to do whatever I really wanted to do without regard to what wage I received would be AWESOME! Also the stress of can I afford my house IF I lost my job would be gone because I could pick up any JOB to pay the bills until I found the position of my dreams.