[-$44,000] The Post Where DDSW Gets a Thick Envelope in the Mail

I knew when I set up my new spending plan that it was tight and didn’t leave much room for error. I even wrote in that post that hoping for 18 months of smooth sailing financially was a lot to ask for.

Welp, that didn’t last long! Yesterday, after a long busy week at work, I pulled a thick envelope out of the mailbox, and saw that it was addressed to me. This didn’t bode well. I looked at the sender and saw that it was my insurance company. Ugh. This was the bill from the medical tests I had done.

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[-$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

[-$83,896] My Bonus, Health Goals, and a Plan of Attack

money-and-health

First, the good news.

I finally got my 2016 bonus check ($4,922)! Woot!!   I now have ALL the money! lol

i-have-all-the-money

This is how I have allotted it.

  • Health maintenance fund ($2,500)
  • Opportunity fund ($1,250)
  • Emergency fund ($222)
  • Checking account / slush ($500)
  • Evil Student Loan extra payment ($500)

I also made my first $2,650 monthly mega payment (up from $2,300).  The resulting balance ($83,896) barely looks like it’s even moved since last month. Still pretty much in the mid-80’s.

Why is so much going to my health fund?  Keep reading… Read More

[-$100,885] A Ping from the Past – Hope Springs Eternal

woman and sky

A while back, I got an email from my 36-year old self.

(Years ago, I sent a message to my future self using a time-capsule email service.)

It read:  Read More

Health Update: On the Mend!

feel-better-ra-400x400

First, thank you guys for your well wishes and encouragement.

Do know that I see and read each and every one of your messages and comments, on new and old posts alike, even if I may not reply to all of them. Thank you so much for taking the time to write in to share your own experiences and/or to send a kind word. There have been times when I’ve been feeling blue about something and I’ll see a new comment come through that cheers me up.

So far I have only Read More