I ended up adding my impound account refund to my EF, as well as $200 from my bonus. My EF is now a full 3 months of take home pay! I feel good about reaching this milestone.

Also, from my bonus, I sent $600 to B of A Visa, $300 to my Roth, $300 to my son's accounts, and the balance ($700) is sitting in my checking account. My bonus was $2700 gross, which is $300 more than last year, so I was very pleased with that.

I have not yet been paid for my seasonal OT. I expect to clear $1900. I think I will send $400 to my Roth and $1500 to B of A Visa. This will mean I need only another extra $400 (on top of my regular monthly contributions) to hit my goal of 3k for 2011. Also, it will get B of A under $1100. It was $4500 and change in November, so I am pleased with my progress.

I'm wishy-washy I know, but I just don't want to miss hitting my annual Roth targets, because that will lower my odds of hitting my ultimate target, and THAT would be BAD.