When I started this journey, I obsessively checked our accounts...all accounts....daily. If you read my blog way back then, I updated my numbers almost daily. If I paid $2, I updated. If there was $.51 cents in interest added to something, I updated it. Now, things don't change that often. So I update everything roughly every 2 weeks.
Once I pay the little bit of interest on the credit cards, that will leave the one "bigger" card. I am trying to figure out how much we can pay per paycheck so I can just get rid of this guy. Once I figure that out, I will set auto-pay for $X dollars for Y payments. Then it is over.
The car and the retirement loan are already auto debited. Literally, I could not look at those accounts for 3.5 years, and it will just do its thing. I probably would want to look at it toward the end though....just to make sure we are a-ok.
The student loan...will just continue to go down over time. My original plan was that "extra" money per month would go here...but with medical stuff, there is a greater chance that anything extra will have to be allocated in that direction. Not that I don't want to beat this into the ground, but there is only so much to go around.
The medical...I have to resolve that this number is going to go up and down. I hate that the "up" effects the bottom line, because it makes things look like more debt. And yeah, technically it is. But medical is a category that isn't frivolous spending and is mostly beyond our control.
I no longer obsessively check things. I know where they stand. I have a plan. I know when things will be paid. We are saving up for other expenses (Christmas, car tax, etc). We put our overtime and bonus money aside until we decide how to consciously spend it.
It is boring. I don't miss the anxiety of "how are we going to do this" but I do miss working on the plan. I miss the puzzle aspect of finances.
I have a few goals for the year that I am behind on, so I think my focus will shift a little in the next month or so and play catch-up. Namely....life insurance, will, and gift card "point" programs. The rest of it....there isn't much to say about it.
Anyone else ever go through this?