Logjams....

Okay, major logjams that are preventing 'gazelle intensity'

*house
*van
*eating out
*fuel costs

So we have decided they gotta go. #1 problem is that the housing market in our subdivision is very crappy. So we have to do FSBO or expect -$0- at closing since the realtor fees will eat up literally ALL the equity. If we can sell it, that it. I did talk to a couple investment brokers, and we considering doing a lease-option, but I do not really want to go in that direction. We would still have our mortgage & own the play, get rent that may not cover expenses, and all that rot. Still better than what we are currently doing, but not the best option. There are several houses in pre-foreclosure (that doesn't help), and lots for sale. Average time on market is well over 180 days. But then, *I* haven't seen any resale listings in our subdivision that are reasonable in their pricing. Way out of line.

Van - have yet to take it to Carmax. We'll see.

Eating out---it is hard, it is a form of entertainment. babysteppin'

Commute to Clean Harbors is killing in gas money. Can't do much about that right at the moment.

April Update

We are officially on Step#2, debt reduction.
We have the $1K Beginner emergency fund in ING account

Current debt totals, after April payments:
Perkins loans: $0!!!!! we paid that bad boy off!!
Credit card:$0!!!!paid off completely...stubborn chiro payment
Rae's Sallie Mae:$7763
Kia Sedona:$14007
Jason's Sallie Mae:$32271

Total non-house debt:$54,041