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Archive for November, 2023

Student Loans and the Need to Get Back on Track

November 30th, 2023 at 11:41 am

Today's payment for my student loan was $386.10, falling just $201 short of dipping below the $30k balance mark. It's alright – I'm determined to keep pushing forward.

Admittedly, I've veered off the financial path lately and need to regain control before things get messy. While I can't pinpoint my triggers precisely, exhaustion seems to play a role, and wants take over.

Considering this, I'm contemplating incorporating a monthly budgeted splurge to prevent such lapses in the future. 

Happy Thanksgiving!

November 24th, 2023 at 06:33 am

Happy Thanksgiving everyone! 

I have so much to be thankful for, thank you gif, for all you have done.

 I pray that your holiday was full of joy, laughter and love. 

Student Loan Payment

November 17th, 2023 at 09:22 am

My goal for November is to pay at least $500 towards my student loan principal.

Wednesday I made a payment of $300, of that about $92 went towards the interest.  As of yesterday my new balance is $30,501.74, of that, $5.74 is interest. 

I'm estimating by the time I make my next payment, of about $500 on the 30th, the interest accumulated would be about $86.10. With every payment I do see a slight decrease in interest. It's just frustrating, because I will come in just under my goal amount but oh well 

I have to admit, I'm thankful for the ability to pay, so many aren't able to. 

Goodbye Home Depot

November 14th, 2023 at 11:34 pm

I'd used my Home Depot card to pay for a few items when I redid the kitchen. The zero interest was scheduled to expire on 1/6, so I paid it off today with my bonus. Yeah I had a few months to but I'd rather pay it off while I have the money. 

I also used my travel card to pay for my birthday celebration. This is zero interest until the end of the year in 2024, so I'll take my time with this. Tomorrow I'll be throwing $300 on the student loans 

Great Week

November 4th, 2023 at 01:00 am

It's been a positive week on the financial front. I treated myself to a rare indulgence today, enjoying a delicious pizza for $6.15.

Additionally, I successfully made my last mortgage payment for this year, which is the December payment, providing some peace of mind until January rolls around.

A recent visit to the dentist resulted in a credit applied to my account, which was a pleasant surprise.

In a gesture of goodwill, I found a lost wallet, managed to locate its owner, and returned it. It was a small act, but it brought a sense of happiness/joy my way..

Tomorrow, I have a funeral to attend for a beloved relative of my ex, someone I held in high regard. After the service, I'll be diving into the numbers for October and sharing. Fingers crossed that it's not as bad as I think  

That's all for now, and I look forward to what the future holds.