[-$45,745] The Tiniest of Tiny Pinpoints

Another Independence Day is nearly upon us. Last year this time, I had a $71,595 student loan debt balance and was excited to finally start having hope that I’d ever pay this off before I’m gray. One year later, and not only do I have hope, I’m starting to see the tiniest of tiny pinpoints of light ahead.

If all goes well, the next Fourth of July will be my last one in debt. That thought makes me incredibly happy.    Read More

[-$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