First Mortgage Payment Sent and Financial Ramblings

I sent off my first mortgage payment today, even though it’s not due till November 1st. It was actually very painless. I’ve already got two months of mortgage payments saved up in a separate savings I have for mortgage, so I just put it into my checking and had ING mail off a check for free. And I’ve already got next months mortgage payment sitting there, so that suits me just fine.

I convinced my grandfather not to charge me the full month for the storage trailer, since we only had it for 6 days in October, so that saves me some money as well.

I also paid off what was left on my credit card from house supplies because the interest on the credit card is higher than the interest on my savings account. I figured instead of making payments, it’d make sense just to get rid of the bill entirely. That also feels good.

Today was payday at work and I had an extra $55 on my paycheck due to being switched to PA taxes instead of MD. I guess they take out less taxes up here, which is fine with me. The extra money will be useful 😛

I’m sorta anxious for tax season now, as I want to get the car paid off ASAP. That’s going to be such an amazing feeling. I can’t wait. I’ll literally have no debt except the house and what’s left of my friends loans after that. Granted I’m going to start taking on my fathers two debts after that, but they aren’t -my- debts.

My total Debt:
Car Balance: $6,923
Friends Loan: $5,775
Mortgage: $159,344 (not counting todays payment, and not really counting this towards “current debt”)

Total current Debt: $12,698

My dads total Debt:
Beneficial Loan: $5009
Medical Bills: $1300 (I don’t have the exact number, but this is around the right amount)

Total current Debt: $6309

Time to start researching 0% APR for 12 months balance transfer cards to tackle my fathers debt.