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!

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!