Next month, since it is a 3 paycheque month, I have scheduled myself to pay $1300 off my consolidation loan.
1st paycheque $300 regular payment + $200 (what normally would go to Mastercard) = $500
2nd paycheque $300 regular payment
3rd paycheque $200 snowball + bonus (this month is will be high, around $3-400!!!) = $500
=$1300 (maybe more depending on bonus)
From May on, the "regular payment" will be around $600 - may fluctuate slightly because of my bonus, but hopefully not much.
Sept $1300 - another 3 paycheque month. Even if my bonus isn't as high that month, I will add from the planned spending acct.
Of course, that's not coming completly off the top, there's interest on the loan that I didn't calculate for - too complicated for my blood! But that should be a huge help in becoming debt free!
If my next job doesn't include a bonus, it has to bring me at least $200 more net a month in order to maintain my current payments - hopefully more! :)