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I’m Not the Best with Money But…

January 19th, 2026 at 04:42 am

I'm not the best with money but I'm trying. The mentally of some people baffle me but that's a different story. 

Though I kept at it with my student loan, I still fell off track. I just canceled a few subscriptions, Amazon Music $10 a month and Cricut $10 a month. Though I listen to my Amazon Music often, I figured out how to stream the YouTube Music app, which I prefer and pay for to my device.  I don't have cable because I love listening to music. 

I received my Cricut machine about 8 years ago as a gift. Never opened it until last November. I was really imitimated by it. Well I went down this rabbit hole using it, crafting, paid for a subscription but realize, I don't use it as much to justify a subscription, so I canceled it. 

I also found that I had failed to cancel a subscription after the trial period and was charged $10. Well I contacted the company and they're issuing me a refund. 

With the three subscriptions canceled I am saving $30 a month. $30 extra dollars I can add to my student loan. Every little bit helps. 

Lastly, pay day is Wednesday and I'm able to view my part-time job's  paycheck. Needless to say I scheduled $1000 to be paid towards my student loan. I'll be just under $9000, approximately $8787, if I calculated correctly.  The following week I can make a $200 payment. I was hoping to have this gone by March but it's looking more like June. Either way I am thankful. 

I know when I hit send on that last payment I am going to cry. 

Lately my friends have been discussing getting debt free. I think everyone is over it. My brother and his wife just shared that they are. 

Posted in Reaching Financial Freedom, Debt | 11 Comments »

11 Responses to “I’m Not the Best with Money But…”

  1. mumof2 Says:
    January 19th, 2026 at 07:22 am 1768807325
    1768807325

    All I know is that this student loan will be gone this year and even though you will cry from the relief we will all be jumping for joy for you...you are doing amazing with it...keep up the awesome work...what comes after you paying off the student loans...what are your next moves?? not that you have to answer

  2. Tabs Says:
    January 19th, 2026 at 09:51 am 1768816278
    1768816278

    Ah, please don't feel bad. I remember when I first started my financial journey, I knew nothing more than just shoving a $20 bill into a jar. Yeah. I was a hot, hot mess. Today? Well, still hot mess but it's getting better.

    Luckily, we don't have to be the best, we just have to keep at it until we can build a better future....

  3. Amber Says:
    January 19th, 2026 at 11:07 am 1768820878
    1768820878

    @Tabs thanks for sharing, I needed that.
    @Mumof2 I plan on increasing my 401(k) contributions, I’m behind the 8 ball, and tackling my car and mortgage

  4. Lots of Ideas Says:
    January 19th, 2026 at 05:47 pm 1768844860
    1768844860

    You have been in the position of seeing how interest erodes your money.

    When you can focus on retirement savings, you will see the flip side of interest - how it helps money grow.
    While you are tackling the last of your student debt, I hope you spend some time deciding how best to invest your retirement savings. Look at what the options are, understand the difference between Roth and Traditional savings and how to maximize the benefits of both.
    Decisions are very personal and one person’s strategy doesn’t work for someone else, but understanding risk and reward is the first step to success.

  5. Suemn Says:
    January 20th, 2026 at 03:23 am 1768879418
    1768879418

    Amber, Look at your side bar. All those credit card balances paid off and now you're in the final months of paying off your student loan. We're excited for you and celebrate your success!

  6. LivingAlmostLarge Says:
    January 20th, 2026 at 05:16 pm 1768929418
    1768929418

    Congrats on getting the student loan down

  7. rob62521 Says:
    January 21st, 2026 at 04:20 pm 1769012452
    1769012452

    You are doing a fine job; the fact that you found ways to save $30 shows how dedicated you are.

    Sadly, many in society are not worried about being debt free. They figure it's a way of life. With things as uncertain as they are, I think being debt free is the way to go.

  8. CB in the City Says:
    January 21st, 2026 at 04:26 pm 1769012794
    1769012794

    Amber, I think you are pretty darn good with money!

  9. GoodLiving Says:
    January 21st, 2026 at 09:55 pm 1769032510
    1769032510

    I'm going to echo everyone else, Amber, you've been incredible at paying down your debt. It's so impressive! You are SO close! We're all going to celebrate with you!

  10. Petunia Says:
    January 23rd, 2026 at 02:55 am 1769136942
    1769136942

    You are doing well with your money now! Life is such a learning experience. We will cheer with you when you get your student loan paid off!

  11. PatientSaver Says:
    January 23rd, 2026 at 01:55 pm 1769176515
    1769176515

    Yes, at the risk of sounding like a broken record, you are doing great paying down your debt and you should be proud. Every dollar counts; that's the mentality that will see you through this until you are debt-free.

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