Having a goal for your money can be a huge win for your personal finances.

There are five Fridays in March, so I got an “extra” paycheck this month. How will I spend it? After chatting it over with my husband, here’s what we decided to do:

• 54% will go towards my emergency fund/snowflake account (I’m also putting my extra car payments here)
• 18% will go to my Roth IRA
• 14% will go for gasoline for the week
• 5% will go towards eating out (so far I’ve been under my budget this month)
• 9% left over will go towards padding my checking account

The credit union where I have my car loan isn’t budging, so I’ll send one large payment for March so the extra cash will go towards principal.

I’m going to get aggressive on paying off this car loan early. I’m seeing if I can work a few extra hours a week (from my home). I can do 5 of my reports from my computer at home and that would open up 4-6 hours of my office time for other projects that require my physical presence.

Wish me well as I try to convince my manager next week to let me do some work from home.

I’m also getting more focused and organized on the site. As you noticed I have some ads and will try to increase my income with them without cluttering up the site. Please give me feedback.

My intention is to make this a win-win situation where we pick up helpful financial information and I’m able to eliminate my debt.

Right now the pay-off total is $5,108.97. It grows each day with interest (something like $1.76).

If you have any suggestions for paying this loan off quicker, please let me know.

What debt are you trying to ‘kill’ this year? What’s your strategy?

Photo Credit: bnhsu

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