I don’t have much to talk about this week. Things are moseying along. Another day, another dollar.
I made an $1122 payment, which brings my balance to $28,800.
Me, daydreaming about my upcoming vacation.
“Debtor’s prison is real, and opportunity cost is a bitch.” (DDSW Archives)
Welcome to the Roaring 20’s!
Today is a big money day for me. I woke up this morning and immediately checked my bank balance. You know, as I do. I was stunned to see 4 deposits: my paycheck, my bonus, my federal tax refund, and my state tax refund. Whoa!!! I was expecting my paycheck and bonus, but not my tax refunds.
First, what witchcraft is going on at the IRS? I filed my taxes last weekend. I got BOTH state and federal refunds today, 6 days after I filed! Six days?! I’ve never seen the IRS process anything so fast.
Oh yes, Surprise Cat. They did! And in 6 days. Read More
I had my annual review meeting with Manager, who apparently, and miraculously, has no plans to fire me, despite what I perceive to be recent decreased performance. I’m getting a small cost of living salary increase of 1.7% and my annual bonus! I’ll be getting my bonus soon. I was really nervous going into the meeting as I didn’t know what to expect or if I’d have a job coming out of it, but was relieved that it went as well as it did. I have improvements to make, but I still have a job.
In fact, I’ve been assigned two new projects. Thankfully, these projects will be in line with the old workstyle, so I expect I’ll feel comfortable running them. I’m planning to stay where I am for the immediate future. It won’t be easy at all, but if I can somehow grind it out here for one more year and pay off / down this debt, a lot more avenues will open up to me starting next year. Newish Leader (my manager’s manager) has been more hands-off lately, and this trend should continue. I plan to stay under Newish Leader’s radar as much as possible.
I just need to be able to survive for one more year before I can escape for good. Read More
Student Loan Update
FINALLY(!!!) I have my new account settled. Refinanced at the end of November. Earnest-Navient didn’t send out the overage refund check back to new servicer until the end of December, one month later. Then it took the new servicer until a few days ago, mid-January, to credit the check and update my account. OMG, almost 2 months?! Ugh. What were they using, the Pony Express?! In any event, it’s good to have that servicer transition over.
Oh, and I made a payment this week, which brings my balance to $32,700, down from the $35,000 I rang in the new year with. This is great, but I’m wondering if I should have held on to the cash. See below.
This update is not a good one. Read More
Happy New Year, Peeps! Here are my goals for 2019. Ready…Set…Go!!
2013 Goals | 2014 Goals | 2015 Goals | 2016 Goals | 2017 Goals | 2018 Goals
2019 DOUBLE DEBT SINGLE WOMAN GOALS
ONE – Pay off student loan debt from $35,000 to $0.
That’s right! This is the year, the student loan debt monster dies. Last year, I paid off $25,300 of student loan debt. I want to surpass that this year. I’m down to the last $35,000 of debt and I want it dead.Yeah, this is another crazy ambitious goal. But you know my debt motto: go big or go home.
I’ve already paid off over $30,000 of credit card debt, so paying off this amount of debt is familiar territory for me. I have no idea how I’m going to pay all this off in one year, though. Maybe I’ll win the lottery? I know I need to rein in my spending on food, for one. In any event, my new low fixed interest rate (3.09%) will help more more of my payments go toward principal this year. Read More