[-$32,700] Debt and Work

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.

Work Update

This update is not a good one.       Read More

2019 Goals for Double Debt Single Woman

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

Goodbye 2018: The Year in Debt Review

Hi Peeps! Goodbye 2018. Here is the review of my latest year in debt.

Past end of year reviews:  2014 Review  |  2015 Review  |  2016 Review  | 2017 Review

2018 In Review:

In the Winter, after declaring my 2018 goals, I kicked off the new year by making a student loan payment that put me In the 50’s. February was all about my bonus. I started the month imagining how I might allocate it while also dealing with housing instability.

Actually getting the bonus mid-month left me Feeling like a Rat…and a Cat. By the end of February and the winter season, I celebrated having paid off half of my $112,258 student loan debt. I now had a $56,000 balance and couldn’t be happier.   Read More

The Post Where I Have No Idea What My Student Loan Balance Is

Did you participate in Black Friday / Cyber Monday or did you participate in Buy Nothing Day?

I bought one thing on Black Friday. I had no business buying anything else given my finances right now.        Read More

[-$35,638] Easing into the End of the Year and Happy Singles Day

Easing into the End of the Year

In my Packing for Guilt Trips post, I wrote about my dread of dealing with family turmoil this year because I wouldn’t be going home for the holidays. So eventually the conversation came up. I let them know I wasn’t flying back and…

…they were ok with it. Holy Hell. I was not expecting that reaction based on our earlier conversations. I was braced for push back, as I have dealt with it from them for many years past. It seems I gave them too little credit this time. I guess they realized that I have already been traveling a lot this year to spend time with them. If they had problems with my not going back for the holidays, they haven’t voiced any to me, at least not yet anyway.

So far, so good, but we’ll see.    Read More