It's been 3 months since I updated here.
College costs are done.
As planned, I've been putting the former tuition money toward our HELOC instead. I was shooting to pay it off in 4 months, May-August. As it turns out, thanks to a bonus and some extra shifts, it will get paid off in July which is great.
Once that is done, my plan is to do $1,000/mo to the mortgage, $1,000 to savings, and $1,000 to an investment earmarked for retirement (although not in a designated retirement account). That will have the mortgage paid off in October 2019. I anticipate it will be sooner just knowing how I get when debt balances get low. I tend to want to just make a bigger payment and get rid of it once it gets down to a few thousand.
The increased savings will be partly to just build our overall reserve and also because both of our cars are approaching 100K miles so in the next couple of years, we'll probably be in the market.
The retirement stuff is because we are no longer eligible for Roths so need to replace that piece of our investing.
All in all, we're in a good position if everything stays on track. And if anything unexpected crops up, as it always does, the increased savings will be in place for that.
Quick update
July 1st, 2018 at 07:42 pm
July 1st, 2018 at 07:54 pm 1530474871
July 1st, 2018 at 11:27 pm 1530487635
July 2nd, 2018 at 01:48 am 1530496081
July 3rd, 2018 at 02:57 am 1530586633
July 13th, 2018 at 06:39 am 1531463973
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