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 (18 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!

Not A Progress Update

This one post a week thing is getting old, fast.  I’m starting to get caught up on the things I’ve fallen behind on since my surgery.  I’m definitely feeling less stressed, but still easily frustrated.  Hoping to get more than one post up on the blog each week, starting now!

This is supposed to be the day for my 18 month progress update but I’m going to wait until my latest Sallie Mae payment goes through.  Their stupid site was down for a while so I couldn’t pay when I wanted.  Big progress on one of my loans this month.  Can’t wait to share the details next week!

Hope all is well with my readers and I hope you have a wonderful weekend.  Happy Father’s Day to any fathers out there!

Happy Birthday To Me!

happybirthdayToday I celebrate my 29th birthday!  Yikes!  When did I get so old?  This is my last year in the 20′s…still have almost my whole list of 30 Before 30 list to complete!

I also celebrate 19 years of being cancer free!  Go me!

Today happens to be National Chocolate Ice Cream Day!  Chocolate ice cream is my favorite!  It was fate, I tell ya!

So in celebration of this glorious day, I’m either going to get myself a chocolate ice cream cake or some delicious chocolate ice cream from an ice cream shop.  And you should too!

Have a great day!

No Motivation

I’ve been MIA for two weeks.  Sure, I’ve got excuses…and a massive to-do list with zero motivation.

Recovery from my sinus surgery took about a week.  I guess I should let you know that I’m doing fine.  It was one of the least painful recoveries I’ve ever had.  I only took 3 or 4 of my prescription pain killers but that was usually at night because sleeping sitting up took some getting used to.  I’ve learned that lidocaine tastes disgusting and nasal endoscopies will never be fun.  Getting my ears vacuumed out every six months is one thing but getting my sinuses vacuumed out every week is another. Yuck.  I go back for round three next week and hopefully they won’t need to do too many more.

I went back to work after a week off despite lacking energy and I then developed three different infections.  I probably should have been resting instead of trying to get back into the swing of things.

Thanks to a bunch of eyelashes growing into my eye, I managed to get a small corneal abrasion in my bad eye.  I had to wear an eye patch for 24 hours.  Aaaarrr!  It wasn’t fun…but it was funny to see the reaction of people as I walked into the waiting room at my ophthalmologists, the kids especially.  Oh, and the reaction of my ENT doctor at my follow up appointment was pretty priceless too.  That took about 6 days to completely heal.

So I’ve got all this going on in the past two weeks.  Surgery, recovery, time off from work, a handful of infections and one-eyed Kasey, everything just keeps piling up.  I’m so behind in everything.  My to-do list at work keeps growing and growing.  The dishes didn’t get done for two weeks.  The catboxes have only been cleaned once a week (I usually scoop every day).  Laundry piles.  Missed trash days.  Boxes, so many boxes that need to be broken down and put out for trash.  The apartment is a mess because it (and our car) apparently became my husband’s dumping ground, his own personal trash can too.

I’m flustered and have no motivation to even begin to pick up the pieces and get my life back in order.  I don’t know where to begin.  I could say I need more time in the day but really, I just need to not be a procrastinator.

I signed up for a free month of Skillshare and didn’t even utilize it.  That online class I was taking to improve my time management skills is just about over and I’m still on week 4…yeah, pretty much gave up.

To those people who make a living working numerous side jobs while raising a kid or two, I envy you.

Any tips for slaying the procrastination dragon?

17 Month Progress Update

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

Current Debt (17 months later): $94,235

My debt has decreased by $1,080 since last month!  An overall reduction of $8,410 in 17 months.  I’m now at 8.19% of my debt payoff goal.

DEBT BREAKDOWN

Federal Student Loans $58,091 $58,294 (up $203 since last month, an overall $2,394 increase over 17 months)

Private Student Loans $36,459 $35,941 (down $518 since last month, an overall decrease of $4,680 in 17 months)

  • StudentLoan#1: $4,835 $4,619 (down $216 since last month, an overall decrease of $2,541 in the past 17 months)
  • StudentLoan#2: $10,599 $10,583 (down $16 since last month, an overall decrease of $617 in 17 months)
  • StudentLoan#3: $17,220 $17,207 (down $13 since last month, an overall decrease of $1,033 in 17 months)
  • StudentLoan#4: $3,805 $3,532 (down $273 since last month, an overall decrease of $489 in 17 months)

I’m really kicking myself for mistakenly putting a lot towards StudentLoan#4 instead of StudentLoan#1.

US Bank Credit Card $765 $0 (down $765 since last month, down $4,657 in 17 months, total interest paid in 17 months: $350)  GONE. DONE!   As you can see, I put a lot towards it this past month, but I just wanted it gone so I can throw all of my income at my pesky student loans.

I’m making progress! Woohoo!