[-$46,776] Re-refinancing My Student Loan and My Shrinking Opportunity Fund

My debt is still big, but it’s not crushing me anymore!

Student Loan Re-refinance

Good news! I was able to re-refinance my loan with my current student loan company to get a lower rate. Everything went through as of yesterday and I am now the proud owner of a shiny new student loan. I don’t know if this is a common thing for student loan companies to allow or not, but I’m just glad I didn’t have to move over to a new servicer. Woot!   Read More

[-$48,446] Gaining and Losing Interest (Rates)

 

New Tool

I’d been using a certain website to track my accounts to get an aggregate view of most of my balances, but it recently shut down. 😦   However, I found another site and it’s great, much better even.  🙂  I can now track all of my accounts (spending and saving) in one place, and have everything automatically updated.  Definitely an upgrade.

Using this new tool and looking at my accounts made me start thinking about ways to make improvements. 💡  So I took action. Read More

[-$48,400] My Ma’am Problem

 

Have you ever entered an Uber / Lyft / Taxi and watched as the driver changes the genre of music playing to something noticeably different from what was playing when you got in?

I’m sure it’s happened before from time to time, but last week I just really took notice of it. After I’d gotten in the car, the driver changed the music. I immediately started thinking about it. Did he change the station based on the way I look and because he thinks this is the genre of music I’d like? Well, he was right, I enjoyed the new music, but it still felt kinda wrong to me. Anyway, I was singing along, in my head of course. I wouldn’t inflict my singing voice on anyone.

After a couple of songs played, an ad for the station comes on and says something to the effect of, “Hey this is X city’s classic hits station!”  I’m like, what?! An oldies station?!  One, since when are these tracks considered old? And two, is he playing this station because he thinks I’m old too?!  I was seriously amused and mildly disturbed about this for a few minutes, okay, a few days, or maybe longer…. I laugh about things like this, but I’m noticing it more and thinking about it more. Thus the loop begins.

Read More

[-$49,402] I’m in the 40’s! We Can Do It!

Woot! I’ve made it to the 40’s. Now that I’m here, I’m already in a sprint to get well into the 30’s, by the end of the year.

Current stats on my student loan:

Original Balance: $112,258
Remaining Balance: $49,402
Monthly Payments:
 $2,800  (Payments are back up and I’m back on track)  🙂
Term Remaining on Debtor’s Prison Sentence: 1 year and 6 months  🙂
Current (variable) Interest rate: 4.88%  (up from original rate of 3.42%)   Read More

[-$51,088] A New Pay Packet and a New Plan of Attack

As I wrote about in my last post, I have been given a salary adjustment at work to remedy my below market pay. In case you haven’t noticed, I’m very happy about this. 🙂

I’ve been in limbo an unable to draft a new budget for two reasons. One, my roommate situation was still up in the air resulting in having higher rent than I had been paying, and two, I didn’t know how much my salary adjustment would impact my take home pay after it got hit slammed by taxes, etc.   Read More