oh, Mohela...

For some reason, I have a block when it comes to this loan. As student loans go, it's not too bad. 

I am at approximately 1300 dollars away from being free of it. Perhaps this is why it frustrates me...being so close, and not being able to cross it off. The interest rate isn't exactly devastating, and logically, I don't see that it needs to be put before other debts; however....logic won't win the race. Right?

Cue these charts. I am SO in love with anything that will visually help me see my progress. I'm sure you have seen this (they are all over the internet these days...and with good reason!)I love that I get to add a line with every payment I make. It gives me a sense of a 'win' even if I haven't technically won over it...yet. 

 

Click on the above photo to go get your own :) I am SUCH a visual person, that this has been so helpful in my journey!  The creator of this is a GENIUS!

October Updates

Baby blues hit. Hard.

I have been in surivial mode for the past 5 months, and while I have been hitting my debt (marginally), I will admit that my addiction/quick fix is shopping. I am all about a great deal, and I feel great after finding the best deal and taking it home. This means that I have been frequenting the goodwill and garage sales a bit too often in hopes of just....feeling.

As a result, my finances are not where they could be, and my home is in a constant state of chaos. Did this make me feel better? No. Quite the opposite. I am now feeling worse about where I should be in my debt progress, and the fact that there is too much crap in my house.

No less, my family and I have managed to pay off roughly 12,000 total. Also, I have decided to write off my sallie mae loan as forgivven. Well, I have some level of decision to make, it's not like I could just wave my magic wand and call it forgiven.

I am a teacher in a title one school, and if I stay in this building for 5 years, they will write off  up to 17,000 of my loans. I am in my 3rd year now, and because of the way time from my graduation to now, I will have one year to make payments (of about 2,000), and the rest should be forgiven. I would just like to see it gone, but would rather put my money at another debt that doesn't have the possibility of just going away (mostly).  So for now, it goes off the list.


Here is where I currently stand...

Radiology    0/50
Fines          0/100
Old cable bill  0/200 
Hospital    0/339 
CC1            0/300

CC2              450/950

Stormont   0/514.57

St. Fran    0/1882.71

CC3             2250/2250

CC4               2900/ 3000

School (mine) 1325/11,100

School (hub)      7,900  /17400

Van                    11,000/21,000

House               96,700/99,000