Eric's Credit Community

My wife and I are live ins full time and I also work at the campus school during the day. I also have a consulting business but currently had to put it on pause to spend more time with the family. We live where we work so we do not have the daily living expenses as most people do. Since we have four children under the age of seven, we have decided to be more responsible with our finances and to take real advantage of our unique living arrangement. We are very honorable people and I have NO delinquent accounts just too many.
About my credit:
My credit is good and I have worked harder to keep it that way. It would be very good if I could eliminate the amount of credit available and have one payment to make each month. I pay as many bills through one of my banks or it is electronically debited each month. I have no late payments, I the last FICO score I have available was 660 and climbing.
What I will do with the money loaned to me:
The creditors I wish to pay off are as follows:
American Express Gold, Bal.: $2598.00, Interest rate: 19.00%, Monthly payment: $ monthly varies 200.00-600.00 depending on usage
American Express Blue, Bal. $2634.00, Int. 19.74%, Payment $52.00 (I normally pay at least twice the minimum)
Providian, Bal. $2401.00, Int. 17.00%, Payment 50.00,
Sam's Club Bal:491.00 Payment $22.00
CFNA(1) Bal.:848.55 interest 22.00%Payment $30.00
CFNA(2) Bal. : 604.44 Interest 22.00% Payment $30.00,
 Capital One Bal.: 714.83 Interest 16.00% Payment $30.00,
Target Bal.: 358.38 Interest 17.00% Payment $20.00
Harlem Furniture Bal.: 2590.00, Interest 25.99% Payment $78.00
Sallie Mae Bal. 1100.00 Payment $188.29
The remainder I would pay off the remaining payments on my car insurance. 

How I plan to pay back my Prosper loan:
As you can see I am paying out approximately $850.00 per month for the bills which is 20.00% more than I would be paying if I was to obtain funding through Prosper. I can make the payment monthly and also have extra over to invest in my future fund. I currently have $4700.00 coming in and approximately $3400.00 going out which leaves $1300.00 extra per month which goes to savings.
My monthly financial details:
Day Job Income: $3,200 average net per month Spouse $1528.00 net per month
Consulting: $3500.00 last year
$8000.00 the previous year
Projecting $4000.00 this year once I resume.
Mortgage: $0.00
Auto: $179.00
Auto:$371.00
All Revolving Debt:
350.00 Past credit card debt
$210.00 Car & Renters Insurance:
$200.00 Utilities
 $60.00 (Home phone only)
Cell Phone: $100.00
Citi $180.00 (Horrible Loan)
Living Expenses
120.00 per month for transportation (I live where I work so 120.00 is the most that it would be)
Groceries 250.00 per month
Directtv 90.00 per month
Household 70.00 per month
Misc. 75.00 per month
My monthly bills plus living expenses take up a little more than half of our take home pay when I resume consulting. We are more than comfortable making the payments and this would allow me the freedom to control my credit. I am still able to save $1000.00 per month. In the near future, I will be looking to invest in property and would like to free up capital.
Thank you:
I know the interest I pay through Prosper will go into the hands of people who want to help people and it would be a blessing to me and my family to get on a more secure financial footing. As this is my first loan through Prosper, I will approve my self worthy of your trust in me.I feel that my history of on-time payments of all debts, as well as my work ethic and consistent work history, affords me the opportunity to be apart of this great program.