I can't complain this has been a fabulous year. 

Here's a quick recap but ill be spending the weekend reviewing and finalizing things 

• Quit my toxic job
• Paid off a student loan
• Paid down my second student loan 
• Met my goal of one extra mortgage payment 
• Met my savings goals 
• Turned my side hustle into a nice little job 
• Improved my blood pressure, no longer on meds 
• Main bills paid through February 
• Mood improved drastically 
• Closed out the year with extra payment to my student loan and mortgage 

This has been a great year 

I know Dave says X; however, I can't follow his plan completely, for me it is about staying motivated. 

Yesterday I dropped $750 extra on my student loan. I surpassed my monthly goal of $500 for December.  I paid a total of $1250 for the month and next week I'm planning on another $250. 

One goal I had for 2021 was to pay an extra mortgage payment towards my principal. I honestly didn't think I'd meet this goal but after looking at my budget and making some adjustments $444 was paid. I know Dave says not to tackle the mortgage while paying off debt; however, for me this keeps me going. And my thought is who cares as long as the debt is paid. 

I promised myself that I'd make one extra payment a year and once the student loss is gone go full force. I’m glad I paid it, I feel great. 

I also went back to the cash envelope system, something Ramsey recommends. I do spend more when I’m not using cash. 

I’m so looking forward to 2022. It’s going to be a fabulous year. 

I'm thankful that the student loan forbearance on interest has continued. My goal is to have my third loan paid off by February. 

I know some people are against this but it's been a big help. I've gone from about 80k in student loan debt to about $45k in just over a year. No way would I had been able to do so if these were incurring interest. I'm sure I’d pays them off eventually but not at this speed. 

Paid an extra $750 on this loan 

I made another payment of $100 to my student loans. I'm so happy to be making traction.

I know some do not believe that students need help but I'll be the first to say, I would not have been able to pay off  $35,000 in the last two years had it not been for the relief we received. I pray that we get another six months, but I doubt it. I'm okay if we don't, just thankful for something and the opportunity to tackle this debt. 

My goal is to pay off the third loan by June of next year. 

I decided to wait for the escrow analysis and paid the extra $100 that I would have paid towards my student loan. So as of today, I paid  $500 towards my student loan. I’m so excited about this. I honestly think that the way things are going, I’ll have this sucker paid off by February. 

Who would have thought that I would have ever been able to tackle this massive debt 💸. Sadly COVID hurt so many people; however for me it was a blessing. I was able to kick start my business and pay off two student loans, now working on the third. 

I also booked my 2022 trip.  I know I should have used the money towards the debt but hey, I’ve been working extremely hard and am ready for a trip 

I am so thankful and blessed to finally be in a happy place.

My escrow for taxes and insurance was about $200 short. When I make my next payment should I add extra to cover that? Or pay the money on my student loan and wait for my escrow analysis?