[-$96,924] On the Bench


My monthly payment just posted, leaving me with a current debt balance of $96,924. Things seem to be moving slowly with my repayment, but I’m hoping to pick up the pace in the next couple of months.

overwhelmed - don't know how to start

I haven’t been to the gym in over a week, due to forces outside of my control. I was really upset about not being able to go for so long, but now I’m glad that I haven’t. I’ve been doing really good work at the gym, but I’ve been pushing myself hard; in fact a little too hard, perhaps to the point of injury.

I had been exercising through some constant wrist and knee pain. Once I stopped going last week, it gave me a chance to see how serious it is, as the discomfort still has not entirely gone away. I will need to do more stretching, improve my form, and pace my effort going forward so I don’t do more harm than good. I won’t be able to go to the gym again for at least another few days because of work; so for now, I’m on the bench.

Frustrated African American woman sitting at desk

I’m feeling burnt out and demotivated again at work and I’m not sure what to do about it. Is this another temporary funk, or is it a sign that I should start looking elsewhere? Don’t get me wrong. I’m grateful for my job. I think I’m just tired of working, period. Maybe it would be more apt to say that the work itself is… ok, it’s just some of the people that drive me crazy. 🙂 Sigh. I need a vacation.


“Debtor’s prison is real, and opportunity cost is a bitch.” (DDSW) [All posts on one page]



  1. thesingledollar · August 15, 2016

    I know it doesn’t feel like it when your payment hasn’t pushed you into the 80s yet, but that’s still a very big payment! Congrats on keeping it up. You’re getting there. As for the job, I hear you. I’m frustrated with mine too and because of the way the academic calendar works I can’t do anything about it for quite a while. I think you should go ahead and start looking for a new one — why not? If you don’t find one you can always stick with what you’re doing now.


    • doubledebtsinglewoman · September 1, 2016

      I know, it feels like I’ve been stuck in the 90s forever. I’m ready for the big hair and synthesizers of the 80s. Agreed about my job. I get this way from time to time, but it has a fair number of perks that I like even though it’s far from perfect. I’m in a good place in that I’m not desperate to leave. I can wait for just the right opportunity…or not. I like that.


  2. zeejaythorne · August 15, 2016

    I’m glad you are paying attention to your body. Injury takes you out for so long and can be expensive.


  3. Maria · August 15, 2016

    Hey, haven’t you decreased your debt by about 2000 this last month?! I think that’s pretty good! 😀

    I actually did worry that you were pushing yourself too hard when I was reading about your gym update. But I didn’t want to say anything because I know that different things work for different people, and it’s so annoying when someone talks as if their way is the right way. Plus, in all honesty,I was also feeling a bit deflated because you seem to be much more robust than me, and I didn’t want to feel worse about my own bodily state by starting a conversation about how much you exercise.

    It’s just so fascinationg how we’re so different. You say you just won’t work out if you don’t go to the gym? For me it’s the opposite, going to the gym, planning my time so I make it to some session or other, packing my bag, changing, that’s the worst part of it all. So, I’ve accepted that if I can’t work out at home, it just won’t happen. I mean, going to some workshop/class once in a blue moon can probably work, but definitely not as a regular thing.

    So, in conclusion, my way is NOT better than your way, different things work for different people. You probably just pushed to hard on the way that’s otherwise right for you? I had been very inactive for years due to health problems when I started exercising (though I had been walking). I started very gently, like 5-10 minutes a couple of times a week. I decided and managed pretty well to just not think about how little that was compared to what most people who exercise do and compared to what I could do before.

    It definitely sounds like a good idea to pace your efforts and change up your routine somewhat so you don’t put too much of the same kind of pressure on your body.

    What I do at home is mostly yoga. In the beginning, I overdid some postures AND used the wrong technique, so I got some wrist pain. It was so boring and frustrating to wait until it passed, because I had waited years to be well enough to exercise. And after that I had to take the time to learn the technique better (though not perfectly) before I started doing those postures again. Again, boring and frustrating. But it has served me well. If incorrect technique is part of your problem, I’d definitely take the time to work on that.

    I’m probably preaching now, sigh, sorry about that. I just want to say as motivation that even if you can’t push as hard as you did in the beginning, you can still gain a lot of benefits. More isn’t always better or what your body needs. Even with just the 5-10 minutes a couple of times a week I did in the beginning (I can do more now), I noticed progress in terms of strength and flexibility, I’m not kidding. If, say, you can do half an hour of some form of gentle/moderate exercise twice a week, that would still be great.


    • doubledebtsinglewoman · September 1, 2016

      Thanks, Maria. Yes, variety is important. That’s something I need to incorporate more of in my exercise routine. Yeah, I just can’t exercise in my room; for many reasons, including lac of space. I’m figuring out what my next steps are going to be.


  4. Anonymous · August 16, 2016

    You seem to be nicely down into the 90ks now. My philosophy was that, once I got the debt down to about $30,000, it was no longer such a burden, a bit like carrying a rucksack but it’s light enough that you can walk normally.
    I hope your wrist is better quickly and you continue to wrip through the debt.
    Best wishes.


    • doubledebtsinglewoman · September 1, 2016

      Yes, that’s what I’m looking forward to. Once I get the debt down into the 40s at least, it won’t feel so crushing anymore. I’ve paid off $30k+ of credit card debt, so that’s territory I’m familiar with. Thanks. My wrists are doing better now. My knees are still a bit put out and vocal about it every now and then, though! 🙂 Thanks, Paul.


  5. Cynthia · August 19, 2016

    Have you tried yoga? It would be a delightful way to stretch your muscles in between all those cardio and weight workouts you have been doing.

    Yoga and meditation keep me sane. You might find it will help with the stress and annoyances at work too.

    You are doing great on the debt reduction. I know it feels like a slog sometimes. Think of 95,000 as your next mile stones. From the looks of things you will probably hit that next month!


    • doubledebtsinglewoman · September 1, 2016

      Yes, I’ve been thinking about yoga. I’ve taken a few classes in the distant past and thought they were a good addition to a fitness plan. I’m still figuring out what to do next, but yoga is definitely an option.


  6. francisjohn · August 28, 2016


    Every dollar you pay off is a progression towards debt free life. Hang it! Soon you’ll see the snow ball rolling! 🙂


  7. doubledebtsinglewoman · September 1, 2016

    Thanks! That’s the plan! 🙂


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