[-$24,200] Of Age and Fuses

Of Age and Fuses

Look at this picture. Do you see a young woman or an old woman?

At work this week, I was talking on a conference call with teammates and the banter led to a conversation about people’s ages. They each said the year they were born. (I didn’t volunteer mine.) I found out that the people that I’ve been working with on this project are ALL younger than me! Even the two leads who are 2 levels above me who I thought were years older. My jaw silently hit my desk.    Read More

[-$25,906] DDSW Considers Yet Another Student Loan Refinance. And a Milestone!

Hey, look at that! My current balance -$25,906!

Since my last post, I forgot an additional payment that hadn’t yet processed. My servicer can be a bit slow with crediting multiple payments. Anyway, my balance is dropping! The smaller the better. Hooray 🙂

Another Student Loan Refinance?

I’m thinking about doing another refinance. Yes, another one, after the first and second times. Once I get my balance down to about 18k or so, I’m considering refinancing into another 5-year loan with another servicer. Why? Two reasons.      Read More

[-$28,800] Title Goes Here

Hey Peeps.

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.

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“Debtor’s prison is real, and opportunity cost is a bitch.” (DDSW Archives)

[-$29,900] I’m in the 20’s! : That Sounds Like Berries to Me!

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

[-$31,700] Another Taxing Tax Season

Work Update

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