Debt:

Credit Card 1 - Balance $0 - Netflix, Cell, Internet, SJCH Donation, Auto Insurance are auto charged each month for a total of $230.00

Credit Card 2 - Balance $0 - Misc charges include but are not limited to food/groceries, entertainment, household needs, kids needs, etc. Monthly charges ~$770.00 (Wow, when I put it on paper, it really is way too high). Eating out is the big killer....so easy and less stressful...this has got to change)

Mortgage - Original Loan Amount - $108K. Balance - ~$96K. $952.00/mo includes principal, interest, taxes and insurance (PITI)

Car - $240.00/mo

Electric - ~$90.00/mo

Refuse - $17.00/mo

Support - $725.00/mo

Total Monthly Debt: ~$3,024.00

Income:

Rental Income - $95.00/mo

Military Benefit - $130.00/mo

Salary (including auto stipend) - $4,100.00/mo

Total Monthly Income: ~$4,325.00

Debt to Income: ~$1,293.00

Non Winter Savings Commitment: ~$1,000.00/mo
Winter Savings Commitment (differentiator is propane for heat at ~$500.00/mo): ~$500.00/mo

Miscellaneous Funds (cash, unplanned expense(s), etc.): ~$293.00

Savings/Investments:

Roth IRA - $5,412.06 - Balance as of 7/1/17 (for Tax Year 2017 fully funded)

Emergency Fund - $2,143.02 - Balance as of 7/1/17 (Every $10K saved in E.F. supports a $5K transfer to the Capital One 360 MMA)

Capital One 360 MMA - Balance as of 7/1/17 - $50,226.58

It's been a "long and winding road", but I am finally seeing light at the end of the tunnel, coming out of the darkness and satisfied my family is not only financially stable but protected for years to come.