November Plan...

I get paid once a month. Here is the plan for November. I get paid on Thursday.

Reduce CC #1 by $200.
Reduce CC #2 by $550.
Return approx. $300 in merchandise and pay the min on CC #3.
Return approx. $200 in merchandise and pay off CC #4.
Make $640 private student loan payment.
Submit application to defer federal loans for one year.
Temporarily cancel charitable contributions and efax service - $50/month.
Bring lunch at least 2 times per week.