Eric's Credit Community

Purpose of loan: 
I run up a balance of over $11K on CC's.

My financial situation: 
    ·Real Estate:
        oBoise, ID: Worth 200K. Equity 40K
        oLaguna Niguel, CA: Worth 360K. Equity -5K
    ·Retirement Accounts 
        oSafeway 401K:  $8K.  contribute 16% 
        oStarwood 401K: $7K. contribute 20%
    ·Stock Accounts
        oSafeway ESPP: Currently worth $3190. contribute $35 per check.
        oStarwood ESPP: Currently worth $4000. contribute 10% of paycheck.

Monthly net income: $ 6478
Before analyzing my net income please consider the net is deflated because of my savings rate and my tax structure. I could easily inflate my income by just adjusting my savings rates and tax structure.

• Safeway: $2661
• St. Regis: $2267
• Boise Home: $850
• OC Condo: $700

Monthly expenses: $ 4740

• Housing: $3600 (all loans)
• Insurance: $100
• Car expenses: $100 (Gas)
• All Util: $80
• Food, entert.: $200
• Credit cards/other loans: $500