Breaking It Down

I've wanted to break down our finances for a while now, and I finally sat down and figured out how to use Google Docs to do it. I use several computers and it makes it hard to keep track of a spreadsheet; Google Docs makes that easier, but it is a little different from Excel. Perks -- easy to use, convenient. Drawbacks -- hard to format, exporting a bit tricky. Anyway, here's the result.

As you can see if you click on the picture to the left, we have some serious debts to reduce over the next 12 months. We are in slightly worse shape debt-wise from the changes of the past six months, but in much better shape savings and retirement wise. We hope to pay off the American Express this month; we used it to buy the scooter so we could get 1% back, but we have to be careful not to pay that 17.22% interest by leaving a balance! This month we hope to: reduce our expenses by getting rid of a storage unit ($174/month), sell our car and rely on just one car and the scooter ($4500-5000 to pay off credit cards, insurance reduction of $750/year, gas reduction of $40-60/month) and move some money from a pension account into my IRA invested in stocks.

Comments? Remarks? Questions? Feel free to ask.