Oberweis Home Delivery

Is it worth it?

If they mess up as often as they did for me, it might just be!

I signed up for Oberweis Home Delivery during a special offer.  You get a free dairy box (cooler) and the first week of no delivery fee.  If you cancel within 6 months or have a lapse of more than 4 weeks, then they’d charge you $24.99 for the dairy box.

So I got free shipping the first week ($2.99).  The second week they messed up, changed my delivery day without notification and waived my delivery fee.  I also got a free insulated cooler bag because I brought my dairy box inside because I was worried that someone in my apartment complex would steal it and they delivered my order inside the bag while I was on the phone with Oberweis.  The third week they somehow messed up again and my order had been completely cancelled, despite getting an email saying my order was delivered…another free delivery.  So this fourth week rolls around and I can’t log in to change my order.  The site said my user information wasn’t in their database.  So I called and my account had been completely cancelled!  I didn’t cancel it, but I certainly didn’t let them reinstate my account!  And they didn’t charge me for the dairy box.

So I got 3 weeks of free delivery, a free dairy box, and a free insulated cooler bag.  Besides for those things, it totally wasn’t worth it!  It was nice to have milk delivered but the prices are high and it sucks they don’t offer produce.

22 Month Progress Update

Original Debt (December 14, 2012): $102,645

Current Debt (22 months later): $90,753

My debt has decreased by $1,203 since last month.  An overall reduction of $11,892 in 22 months.  I’m now at 11.58% of my debt payoff goal.

DEBT BREAKDOWN

Federal Student Loans $59,225 $59,473 (up $248 since last month, an overall $3,573 increase over 22 months)

Private Student Loans $32,731 $31,280 (down $1,451 since last month, an overall decrease of $9,341 in 22 months)

  • StudentLoan#1: $3,061  $3,059 (down $2 since last month, an overall decrease of $4,101 in the past 22 months)
  • StudentLoan#2: $10,549 $10,553 (up $4 since last month, an overall decrease of $637 in 22 months)
  • StudentLoan#3: $17,149 $17,156 (up $7 since last month, an overall decrease of $1,084 in 22 months)
  • StudentLoan#4: $1,973 $513 (down $1,460 since last month, an overall decrease of $3,508 in 22 months)

StudentLoan#4 will likely be paid off next month AND I’m hoping to drop out of the 90k range!

My student loans have been switched over to Navient, Sallie Mae’s alter-ego.  It’s about time to reapply for Income Based Repayment but was waiting for the Navient switch-over.

The past two months or so have been rough.  I sleep horribly, and not much.  It’s definitely taking a toll.  I took a week off from work to try to figure out the whole non-sleep thing.  I thought maybe I needed to get out and do things, get some sun, so I explored my area for the first time since moving here 3 years ago.  It didn’t really help.  If two weeks of eating healthy and exercise don’t fix this for me, I need to see a specialist.

Happy New Fiscal Year?

A new fiscal year means my Tricare insurance deductibles reset.  Here’s to hoping FY 2015 will see less sickness and doctors!

Yesterday I had a procedure to remove a layer of skin on my lower eyelid, basically to permanently stop the growth of eyelashes growing into my eye.  I was going into my ophthalmologist every two months to get them plucked.  No more corneal abrasions caused by those little f-ers…at least I hope!  The idea is that when my lid heals, it will be scar tissue and hairless.

While heading out of my doctor’s office yesterday, I noticed a little old lady sitting outside on a bench.  She had been there when I went in over an hour earlier.  This time I saw her she was asking someone for change to take a bus home.  They didn’t have any so I dug through my purse and had a bunch of quarters for her (no wonder my purse was so heavy).

Anonymously paying it forward to someone is on my 30 Before 30 list…does her not knowing my name or anything about me count as anonymity?  And I know bus fare isn’t much, but I would hope that if I’m ever old and alone with no one to care for me that strangers would help out a little old lady!

The past month has been absolutely horrendous when it comes to sleep.  I just cannot sleep at night. Sometimes I can’t fall asleep but mostly, I can’t stay asleep.  I toss and turn, overheat, and wake up hungry. I’m so tired but can’t sleep, unless it’s a nap…and naps these days have turned into four hour long sleep sessions.  I need more naps but there’s just not enough time!  So much to do!  I am losing my cool, my patience, energy, mind, and memory.

I’m taking a staycation next week in hopes of resetting my clock.  I’ve lived in this area for 3 years and haven’t really seen any of the local attractions.  I’m hoping getting out, getting some sun will help me sleep at night.  Keep your fingers crossed for me!  Tips for better sleep are much appreciated (even if I’ve probably already tried it).

21 Month Progress Update

Oy!  It’s been another month since I’ve posted!

Original Debt (December 14, 2012): $102,645

Current Debt (21 months later): $91,956

My debt has decreased by $554 since last month.  An overall reduction of $10,689 in 21 months.  I’m now at 10.41% of my debt payoff goal.

DEBT BREAKDOWN

Federal Student Loans $59,007 $59,225 (up $218 since last month, an overall $3,325 increase over 21 months)

Private Student Loans $33,503 $32,731 (down $772 since last month, an overall decrease of $7,890 in 21 months)

  • StudentLoan#1: $3,140  $3,061 (down $79 since last month, an overall decrease of $4,099 in the past 21 months)
  • StudentLoan#2: $10,550 $10,549 (down $1 since last month, an overall decrease of $641 in 21 months)
  • StudentLoan#3: $17,150 $17,149 (down $1 since last month, an overall decrease of $1,091 in 21 months)
  • StudentLoan#4: $2,663 $1,973 (down $690 since last month, an overall decrease of $2,048 in 21 months)

After mistaking StudentLoan#4 for StudentLoan#1 on multiple occasions, I’ve decided to push #4 up to the first to be paid off because there is only $1,973 left on it and it is my loan with the highest interest rate (9.75).  The reason it was originally lowest on my list is because it is the only private student loan I have without a co-signer.  I want to plow through the remaining balance so I can put more towards my other loans, slowly knock them down, one by one.

20 Month Progress Update

It’s been another month since I posted!  I went out to Wisconsin and Upper Michigan for two weeks to visit my family and I had a great time!  I also visited with my best friend in Baltimore before her family moved to South Korea for a couple years.  After missing two weeks of work, I had to play catch up.  I’ve been busy, busy, busy!  And then the 48 hour film project happened.  Lots of premieres are happening at work and it’s a good chance for me to get out and have some fun.  I’m not at my desktop at home much these days but when I am, I waste time on Facebook or watching television shows when I could be writing a blog post.  I promise to try harder!  I miss doing this!

Original Debt (December 14, 2012): $102,645

Current Debt (20 months later): $92,510

My debt has decreased by $1,032 since last month.  An overall reduction of $10,135 in 20 months.  I’m now at 9.87% of my debt payoff goal.

DEBT BREAKDOWN

Federal Student Loans $58,782  $59,007 (up $225 since last month, an overall $3,107 increase over 20 months)

Private Student Loans $34,760  $33,503 (down $1,257 since last month, an overall decrease of $7,118 in 20 months)

  • StudentLoan#1: $3,742  $3,140 (down $602 since last month, an overall decrease of $4,020 in the past 20 months)
  • StudentLoan#2: $10,601 $10,550 (down $51 since last month, an overall decrease of $640 in 20 months)
  • StudentLoan#3: $17,242 $17,150 (down $92 since last month, an overall decrease of $1,090 in 20 months)
  • StudentLoan#4: $3,174 $2,663 (down $511 since last month, an overall decrease of $1,358 in 20 months)

Loving the progress I’ve made this month!  I’ve paid off over $10,000 towards my debts so far!  Just have to keep going!

19 Month Progress Update

My poor, neglected blog.  I can’t believe it’s been a month since I posted last!

I’ve been keeping extremely busy.  Last week I flew out to Wisconsin to visit my family.  I’m now in Upper Michigan with my nieces so they could spend time with their grandma.  My 5 year old niece is keeping everyone busy!

Original Debt (December 14, 2012): $102,645

Current Debt (19 months later): $93,542

My debt has decreased by $59 since last month.  An overall reduction of $9,103 in 19 months.  I’m now at 8.87% of my debt payoff goal.

DEBT BREAKDOWN

Federal Student Loans $58,572  $58,782 (up $210 since last month, an overall $2882 increase over 19 months)

Private Student Loans $35,029 $34,760 (down $269 since last month, an overall decrease of $5,861 in 19 months)

  • StudentLoan#1: $3,734  $3,742 (up $8 since last month, an overall decrease of $3,418 in the past 19 months)
  • StudentLoan#2: $10,574 $10,601 (up $27 since last month, an overall decrease of $589 in 19 months)
  • StudentLoan#3: $17,197 $17,242 (up $45 since last month, an overall decrease of $998 in 19 months)
  • StudentLoan#4: $3,524 $3,174 (down $350 since last month, an overall decrease of $847 in 19 months)

Oops, I did it again…I put more towards StudentLoan#4 instead of #1.  I mixed them up because they are so close in value.  Darn it!

This month hasn’t been very good for debt repayment.  I was going to make a decent-sized payment towards my loans before I left for visiting family but completely forgot.  Oh well, next months’ update should look pretty good!

18 Month Progress Update

Original Debt (December 14, 2012): $102,645

Current Debt (18 months later): $93,601

My debt has decreased by $634 since last month.  An overall reduction of $9,044 in 18 months.  I’m now at 8.81% of my debt payoff goal.

DEBT BREAKDOWN

Federal Student Loans $58,294  $58,572 (up $248 since last month, an overall $2,672 increase over 18 months)

Private Student Loans $35,941 $35,029 (down $912 since last month, an overall decrease of $5,592 in 18 months)

  • StudentLoan#1: $4,619 $3,734 (down $885 since last month, an overall decrease of $3,426 in the past 18 months)
  • StudentLoan#2: $10,573 $10,574 (up $1 since last month, an overall decrease of $616 in 18 months)
  • StudentLoan#3: $17,207 $17,197 (down $10 since last month, an overall decrease of $1,043 in 18 months)
  • StudentLoan#4: $3,532 $3,524 (down $8 since last month, an overall decrease of $497 in 18 months)

I love seeing StudentLoan#1 decrease now that I’m paying off mostly principal.  Can’t wait to get that one paid off completely!