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Student Loans vs Everything Else

March 28th, 2020 at 01:12 pm

Hi all

So student loan interest has stopped for six months.

I’m debating on stopping my loan payments for the six months as well and going full ham on the principal of one of my loans.

What I mean is, my payments are income driven, one is $69 the other is $99. If I stop the payments, I can take any extra money I have, plus what I would have been paying and dumping it on the lowest balance. I can also, take the stimulus check and throw at it.

If I stick to the plan, I can dump approximately $6,000 by December to the principal of the loan. This is about $2,000 less than the interest accumulated. This would mean though, not paying extra on CC10. Interest on these loans is about $200 a month 🙄🤦🏽‍♀️.

Or I can stop the payments, pay off CC10 I’d say by June/July and then tackle the student loan paying approximately half of what I estimated above.

I also decided not to refinance the house, I pay an extra $100 a month anyway. This extra $100 is not negotiable unless something happens like job loss. Given my position this is not something I’m overly concerned with. Thank God.

Just wanted your thoughts.
Oops my only debt is the mortgage, student loans and 1 credit card.

Pay Day

February 21st, 2020 at 07:43 am

Made the adjustments on my W4, and added the $50 per pay date to my 401(k) vs my IRA. Once CC10 is gone, I’ll bump the dollar amount to a $100 contribution per pay check.

Today is pay day, I paid an extra $200 to CC10. Finally, this card is under the $5,000 mark. Next month, I’ll be able to drop an extra $1,000 on it.

This weekend, I’ll be finishing up my taxes, my refund is about $600, I’m okay with that. I was hoping to break even but hey it’s better than owing.

I did splurge a little on eating out this month, for some reason I just didn’t feel like cooking. It happens from time to time

Turning 50

February 8th, 2020 at 11:17 am

Great week this week.

I received a really nice compliment at work, and I so needed it.

Yesterday was pay day, I saved $375 in sinking funds, this include the IRA contribution, paid an extra $200 on CC10, came in under budget in my cash envelopes of $53 and saved $82 for my challenges. Not bad.

Things are really working out well, financially. Saving and knocking out my debt is my focus.

Other news. In four years, I will be 50. I’ve always wanted to visit Monaco 🇲🇨, since I was a kid. Though I have debt 🙄🤦🏽‍♀️ would it be wrong for me to start saving for this trip for my 50th birthday? I know Monaco is super expensive and I figured as a treat to paying off debt, this would be it. By then, I would have all credit. Add debt paid off as well as one student loan.

Points = An Extra Payment

February 2nd, 2020 at 12:17 pm


Cashed out my points, $52, and added it to CC10. I like the idea of using the credit card for bills (e.g. internet, cell, car insurance) and earning points that translate into cash that I use towards my debt.

So long as I manage it, only use for bills, this is a great way to earn a little extra cash. I keep a zero balance in the card, CC9. The points add up quickly.

Feeling excited

January Saving Challenges

February 1st, 2020 at 10:19 am

Ended the month with a bang.
For 31 days I challenge myself not to eat out and did just that. It was tough but I did it. So I transferred $31 from my cash envelopes to a saving challenge envelopes.

My word of the year is Fearless, the challenge was to save the amount corresponding with each letter (number) of the alphabet. For example A is the first letter so $1, F is the 6th so $6. Doing this I saved $61 and to my challenge envelope.

Next I started the 52 week challenge and socked away five weeks. I’m trying to figure out how I can go backwards.

Total for January’s challenges $107, not bad.

I’m pretty sure for January I came in under budget in most categories, knocked out about $800 in debt, and saved at least 20% of my income. I’ll be reviewing my budget today but I’m sure my numbers are pretty accurate.

These little challenges help me to prepare my meals at home and to come in under budget with my cash envelopes. I plan on challenging myself each month socking away the challenge money in an envelope. I can’t wait to see how much I save just from challenging myself. I think I’ve regained my motivation.

In my head, I say take the money saved at the end of the year and have fun, but my heart says, throw it at debt. Debt sucks

Credit Card Tracker

January 25th, 2020 at 12:22 am

Paid another $157 on my CC and the balance is now $5,314. Next week I’ll be able to add $500 to it. I can’t wait.

This recent payment allowed me to fill in three squares on my tracker.

But now that I think about it, the new billing cycle should start tomorrow and I’m sure the balance will be higher with the interest.

Well winter was one day for us I guess, we are back in the 70s 🤷🏾‍♀️

I’ tried sharing my tracker with you all, thanks for the tip, but was unable to.

Rolled Coins

January 19th, 2020 at 12:59 pm

Rolled my coins and I had a total of $29 dollars, not bad.

I can never understand why people take their coins to a coin machine to count and pay a fee. It took me just a little time to do so. Even before I was living a frugal life style, I never did this. To each it’s own.

The $29, went towards the remaining credit card debt. 😀

Friday is payday and I’ll be adding an extra $157 dollars to the credit card. I think by doing that, I’d pay an extra $800 this month towards it. I can’t wait until Friday so that I can take care of it, and calculate my MTM total.

My top priorities for the first quarter of the year, boosting my EF, paying down/off the CC and paying extra on my mortgage. The extra on the mortgage is a must for me, I feel disappointed/depressed for some odd reason when I don’t.

Once the CC is gone, I can go full throttle on the student loans, averaging about $600-$800 extra a month on it. I can’t wait.

Birthday Shenanigans

January 18th, 2020 at 08:42 pm

Thank you all for the birthday wishes, I greatly appreciate it.

Yesterday was a very low key birthday celebration. I took $50 out of my slush account and bought two pairs of earrings, my last pair broke.

Then the SO insisted on taking me out for breakfast 🥞 so we did that. Next after breakfast I headed over to the used appliance store, in search of a dryer. Well I found one for $180. I was a little nervous but decided to purchase. As I was heading to over to pay, the SO decided to purchase as a birthday gift. No complaint from me. Saved me $180. I have an account for home repairs and was thinking I should take the$180 and add to CC but it’s best to just leave it.

I pretty much stayed home yesterday, that was my birthday celebration. SO gave me $20 for dinner, I put the money in my cash envelope and ate what I had.

I got a quote on the hurricane shutters yesterday, $3,000. I was actually expecting less. This is the guy who did a friend’s home, at half the price. I’ll call around and get at least three more quotes, and set up a sinking fund for this as well.

Lastly in financial news, the CC was knocked down to $5,500, I’m hoping to have this card paid off by April/May.

My electric bill decreased by about $20 but the water went up $10 🙄🤦🏽‍♀️. I had a running toilet 🚽 that I believe caused the bill to increase; however, I finally got it fixed.

Birthday Blues

January 16th, 2020 at 11:13 pm

Well it’s been a pretty good week. Tomorrow I turn 46, wow.

I feel somewhat down because I feel like I haven’t gotten myself together financially; however, I’ve made some progress.

Rather than focusing on the negative, I’ll focus on the positive.

Today, I paid an extra $453.78 on CC10 knocking the balance down to $5,500. Tomorrow’s billing cycle ends, so I’ll be hit with interest 🙄🤦🏽‍♀️. I did look at transferring the balance to a zero interest card but the fees to transfer wasn’t worth it. I’ll have the card paid off in a about four to five months.

I also added $50 to the EF, $50 to the IRA account.

This month I have not eaten out, 16 days. Wow. I almost gave in yesterday, it was the sorority’s Founders’ Day and I really wanted to hang out with my girls but paying the credit card 💳 debt was the best decision. I’ve saved a ton by not eating out.

Tomorrow I’ll head to Sweet Tomatoes for my free birthday dinner.

Lastly, I decided to get the quote on the hurricane shutters before the season rolls around. It’s so difficult for me to find some one to come and put the plywood up. I wish I could find a decent handyman. I’ll apply for the city grant for reimbursement

Year is Off to a Great Start

January 11th, 2020 at 12:43 pm

So much has happened this year, on a positive note, and I pray it continues.

First, I can’t believe it but I’ve had 10 days in that I have not dined our, not even a soda or chips. It’s been tempting but I’m determined not to eat out this month.

Next I dropped an extra $200 on the credit card and an extra $100 on the mortgage.

I’ve decided it’s no rush and to hold off on the dryer, not to mention my toilet is running, so that’s a priority. Thankfully my uncle has plumbing skills so I’ll have him to take a look at it.

Then there is the big news, my brother had to drop his lawsuit. I wanted to go out and celebrate, not to mention cry, when I got the news. I’m still on this I can’t believe it, but I knew it, kind of a high.

Apparently after my attorney laid into his with the facts and ensured his attorney we were prepared to go after him, the attorney, if he moved forward with his frivolous lawsuit, they had a change of heart.

The sad thing his; I honestly think his attorney knew all along but because my brother is greedy, and he saw a money pit, he moved forward. To go through this process, I’m sure it cost my brother at least $10k

I’m due a refund, but will use the money to finalize one last item with my dad’s estate and then get whatever the difference is back. I’m estimating about $1500.

I’m just so thankful that this is over.



CC10 Driving Me Nuts

December 21st, 2019 at 10:40 pm

CC10 Is getting on my last nerves. I’m trying to figure out how to pay it off by December 31st.
I can take $5,000 out of the EF but I’d still owe $1200 and the EF would drop to $600 🙄🤦🏽‍♀️.

I’d really wanted this card gone by the end of the year and then I got hit with a legal bill due to my brother who thinks my dad was a millionaire.

With the side gig, I could have it paid off in about 5 months, paying about a $1000 a month. Then tackling the student loans in June.

I’m just so confused.

Student Loan Saga

November 24th, 2019 at 09:33 pm

Just adjusted my budget and I’ll be able to drop $700 on CC10. I’m so excited.
I think this card will be paid off by March and I can finally, start tackling my student loans.

I just want to cry, I was feeling like I’ll never be able to start tackling the loans. If I hadn’t gotten hit with the legal bill earlier this year, this card would have been gone in June. I know I can’t/shouldn’t beat my self up about it but I just can’t help thinking about the what if’s.

I’m estimating it will take me 6-7 years to pay off the student loans, that’s $10k a month. If I can keep the side hustle for at least two years, it will take 4-5 years.

Fingers crossed that all go as planned