2013

January:
Home mortgage: $184,917
Investment Property Mortgage: $242,808
Investment Deposit Loan: $71,448.03

Total debt: $499,173
Property Equity: $155,827

2012

October: Mortgage: $188953 -  interest rate drop to 5.62% -monthly payment $1188
Investment Property Deposit Loan: $72,349 interest rate 5.62% – monthly payment $452
July: Mortgage: $194,178 – interest rate drop to 5.82% – monthly payment- $1214
June: Mortgage: $194,284
May: Mortgage: $195,674
April Mortgage: $196,317 – Monthly payment now $1281
March 2012 Mortgage: $198,677

February 2012  Mortgage $199,244
January 2012: Mortgage: $200544
Monthly payments $1264
We refinanced & consolidated debts as my ongoing employment is uncertain. This allows us to reduce total  interest payments & complete renovations  so house can be sold as part of our plan to downsize and reduce debt.
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December 2011:
Debts Paid off:
Tax Debt: $5600
Citibank:  $9550
NAB: $5478
GoMastercard: $8098 
Bankwest! $6059
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Debt Balances 24th October 2011:
GoMastercard $3810
Citibank $8435
Aussie  $7981
Bankwest $6059
Westpac $10305
Westpac $7782

Remaining Debt $44372
Mortgage $142222
Emergency Fund $3000
Total Debt $186594
Retirement Savings: $127200

———————————————————–
Snowballing:  balances on 1st July 2011
GoMstrcd: $6935
Citibank:   $8836
Aussie:      $7977
Bankwest: $7557
Westpac:   $10473
Westpac:   $7917
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1/05/11 – I feel like we finally hit gazelle intensity in April reducing our debt by $6383
Mortgage: $144240
Emergency fund: $1000
Remaining debt: $56052
Total Debt: $ $200,292
Paid off Citibank;

1/04/11
Mortgage: $144,464
Emergency Fund $1000
Remaining Debt: $62,193
Total Debt: $206,675
Starting in April 2011 I will try to pay my entire wage off the debt, ($4200 a month) and live off DH’s income (<$3000 a month) which we also pay the mortgage from.

1/03/2011
Mortgage: $144,671
Emergency Fund; $1000
Remaining debt: $63,291  ( I think I miscalculated this!)
Total Debt: $207,952;

31st December 2010
Mortgage: $145006
All bills current, no arrears
$1000 Emergency Fund
$385 Car Fund
Remaining debt: = forgot to update it!!

Starting over following Dave Ramsey: 10/12/10
Mortgage: $144,889.69
Debt already paid off in 2010:  $5600
Remaining debt: $68491.35
Total Debt: $213381.04
+ arrears $1325.63