[-$15,685] A Game Plan Forms

Thanks, everyone, for all your advice, well-wishes and words of encouragement in the comments. And thanks to those of you who used ‘Contact Me’ to reach out directly. Thanks for talking me down from the ledge so-to-speak. I feel like I have a gameplan for the upcoming months.    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)

[-$51,000] You Won’t Believe What Happened at Work Today

My expression when I heard the news!

 I GOT A RAISE!!!  

Omg, guys!  Ok. Technically, it’s not a raise. It’s a “salary/equity adjustment”.

An equity adjustment is a permanent increase to the base salary that may be granted to an employee under certain circumstances, such as increased duties that do not warrant a reclassification or a significant salary lag to comparable internal positions or the local labor market.

It’s a little over 12%, but, combined with the yearly cost of living adjustment I got a couple of months ago, my base salary will be about 15% over what I was making last year.  I. am. stunned! I didn’t think it was even possible. I’m still not ‘well paid’ for my industry by any stretch, but I’m at least juuust inside the edge of market rate now.  Read More

[-$58,452] Bonus & Instability

I’m in another busy spell at work. In fact, I’m having to work over the weekend to meet two deadlines on two separate projects.

I made a random $307 extra payment to my student loan debt. Most of it was absorbed by accrued interest, thus the balance looks practically unchanged from my last post. Read More

[-$67,520] Making Hay While the Sun Shines

Why do I make such large payments on my student loan debt? Because, for now at least, I can.

In the past month, I’ve dodged a bullet that would have raised my rent by over 50% (losing a new roommate because of discord in the house). So far the climate in the house is improving. I’m really hoping it continues.

I’ve always known, and written here, about how my cheap (for this area) rent will not last. At some point in the future, LL (landlord) will stop… landlording and we’ll all have to leave. When that happens, my rent will go up significantly as soon as I move anywhere else. So I must pay as much as I can now  toward this debt, while I have this cash flow. In other words, I have to make hay while the sun shines.  Read More