My last post was long and blah blah blah.

I had disconnected from the fact that I had a large check to deposit - which meant I could cash flow most the rest of our payments before payday (12/31).

I got an e-mail that my deposit (Christmas $$) posted. I suppose I also just figured the CU might be closed today. (I phone deposited the check late last night).

Doings:

**Sent $650 to my ROTH to max out 2012. We are both officially maxed out. Woohoo!!

**Paid mortgage payment +$650.

Plan was to pay more principal than interest on our newest (refinanced) loan - partial year. Paid $5248 principal + $5245 interest. Mission accomplished.

Extra payments on new loan were $2875, year-to-date.

We paid $6,000 of principal in year 2012 (entire year). At current, regular payments are only $300/month to principal.

I do not wait for my payments to post. I know how to calculate the interest and principal. It's paid, I know the numbers; it's done!

{Next year if we add $4,000 in extra payments, more will go to principal than interest (whole year). I think this is doable. This is thanks to the lower interest rate for the entire year}.

**Payday will 90%+ go to savings. I have a couple of small bills set to pay on 12/31.

If I have the cash flow I will pay off AmEx (November charges) and send $1000 to the other AmEx for the TV purchase. Tonight. Just have to check my Quicken checkbook.

I probably do have the cash flow, because I can not send that $1k to the ROTH until January 1.

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I should maybe be doing more festive things, but I am at work crunching numbers for all my clients. Figured I'd give myself some number crunching time too. I am *thrilled* to get all of the above done.