Pay day and I paid $400 on my student loans. I’m hoping to have my lowest balance loan, of $5,485.00 paid off by December 🙏🏾. The best thing that could have happened was this zero interest deferred payment. It allowed me to tackle at least one of my loans aggressively.
Now I’ll admit last month was a dud. I fell off the wagon, buying things for the house. I wanted to “fix” my home up. I painted my kitchen cabinets, painted the spare bedroom, bought a rug, bought a cube for the office space, and other miscellaneous items. Though I love how things turned out I’m pooped about what I spent (paid cash). So for September I had to reel things in, it’s a no spend month for me. For every day I spend nothing I’m adding $2 to my challenge fund.
Saving news, I socked away $400 in savings today as well, I also realized that my EF, including my mortgage account, has 6 months of expenses saved. I’m so excited about this. I’m really nervous about what will happen the first quarter of 2021, I think things are going to get bad. We can’t have record number unemployment and nothing going into default. But either way, I want to be ready, my goal is to have 6 months of my take home pay saved not expenses but I’ll take this for now.
Other news, I had to call the electrician back, we think that the plug on the dryer was bad, fingers crossed, that it’s fixed. I don’t mind hanging my clothes to dry but I like to dry my towels in the dryer that way they’re nice and soft.
That’s it in a nutshell for me.
September Check In
September 4th, 2020 at 09:59 am
September 4th, 2020 at 02:28 pm 1599229687
September 4th, 2020 at 09:16 pm 1599254211
You set goals. You are on track. We are all stuck at home, and making that environment more pleasant is an investment in mental health.
You are probably saving on gas and other ‘work’ expenses. You didn’t charge a bunch of things that you don’t even know what they are. You paid cash for things that will last - in the case of the painting, even add a little to the value of your home.
You are doing great. Praise yourself for the good decisions. Look how far you have come. Then move forward on your journey!
September 4th, 2020 at 11:01 pm 1599260491