January's extra payment was, of course, a big zero. All of my extra money went to cleaning up the house. I also emptied my maintenance fund. I have estimated that I still have $2,900 left from my short term renters. I don't want to put that toward the mortgage before all of the bills come in so I have decided to split it up. $1,900 for February and an extra $1,000 for March assuming I still have a job in March.
My CD matures next week and I will be rolling $5,000 over in to another 7 month CD while taking $2,000 to give my checking account a little bit of padding. I don't have plans to spend it. If my job ended it will be accessible and with unemployment benefits, should get me through until the $5,000 CD matures. That's the job loss plan for those of you who were wondering.
I still have $1,400 to pay off on my credit card from the house re-hab. I pay it off every month. The bill was high last month because of Christmas and now it will be high again. Hopefully next month's bill will be back to normal. My short-term renters leave next week and they will want their $400 deposit back. I still have to pay all of the utilities for the house so those bills will be coming in for a while. It will be so nice to get rid of those utility bills when the long term renters move in March 1st. Then I will be back to just an electric bill, cell phone and an internet bill. Nice and simple, instead of cable/internet, sewer, trash, water, electric and gas.
Hopefully everything in the house is ok. I might need new linoleum in the kitchen if the patch didn't hold up, but that should only cost $300. I'll have a week and a half to fix things and clear out the furniture before the new people move in.
So, that's my plan. I do have money to put towards the mortgage but I am holding back just a little to see what happens with my job and any maintenance issues. I'm still on track to have it paid off in 1 year and 10 months as long as I stay employed and they don't make any more salary cuts. But if that happens there is always plan B, and C, and D, and.....