23 Month Progress Update

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

Current Debt (23 months later): $89,966  <—-Look at that!  Under $90k!  w00t!

My debt has decreased by $787 since last month.  An overall reduction of $12,679 in 23 months.  I’m now at 12.35% of my debt payoff goal.

DEBT BREAKDOWN

Federal Student Loans $59,473 $59,690 (up $217 since last month, an overall $3,790 increase over 23 months)

Private Student Loans $31,280 $30,276 (down $1,004 since last month, an overall decrease of $10,345 in 23 months)

  • StudentLoan#1: $3,059  $2,842 (down $217 since last month, an overall decrease of $4,318 in the past 23 months)
  • StudentLoan#2: $10,553 $10,446 (down $107 since last month, an overall decrease of $744 in 23 months)
  • StudentLoan#3: $17,156 $16,987 (down $169 since last month, an overall decrease of $1,253 in 23 months)
  • StudentLoan#4: $513 $0 (down $513 since last month, an overall decrease of $4,021 in 23 months)

StudentLoan#4 is GONE!  Navient went back and credited me the $0.13 since a $0 balance loan can accrue no interest!  I now wait 30-45 days for a paid in full notice.

It’s time to zero in on StudentLoan#1, like originally planned!  REALLY hoping I can get that paid off before the new year.  Holy crap, it’s November already!  Time certainly flies by!

I’m Doing the Health & Wealth Challenge!

I know it’s a bit late to mention this now that we’re in the second week of November, but I’m participating in Budget and the Beach’s Health & Wealth Challenge.

Basically, you workout 5 times a week for a minimum of 10 minutes, create a new healthy habit each week as well as a wealth habit, where you find a new way to make or save money.

My goals for the first week of November were to stop eating taking out food and to cook meals at home.  I failed.  I went to the grocery store with the intent to cook, but it never happened.  I was just too busy!  I did manage to workout 5 days a week for a minimum of 10 minutes and I started the Couch to 5k program.  I also made $108 at a yard sale!

I’m recycling my goal to stop eating take out food and to cook meals at home.  I pretty much have to work out for the next 5 days to meet the exercise goals after falling a bit behind with having a swollen eye the past few days.  I’m also going to start a new side income job, at least temporarily as I’m unsure it’ll be worth it in the end.  But we’ll see!

Yard Sale Success

Over the weekend I was part of a multi-family yard sale. I’ve had a number of items that I had been trying to sell on Facebook groups for some time with no luck. I had some clothes, shoes I never wear, a vacuum, and other odd & end items. It wasn’t a lot of things compared to the other families who have kids, but I think I made out pretty well.  Most of my stuff sold and I just donated the clothes that were left over.

yardsale

I made $108!

So now I’ve got 100 dollar bills to sort through to see if they’re worth anything more than $1.  Wish me luck!

Wages

toothin

I’ve been working at my current job for about a year now.  An annual review meeting is supposed to happen next month and I’m getting a little anxious about it.  I know most people are pretty wary about sharing their wages publicly but with all this hype about minimum wage and McDonald’s workers wanting to make $15 an hour seriously makes me question my pay rate.

I am curious about what YOU would pay someone who helps with…

  • Office Admin Tasks (contracts, contacts, correspondence, certification, craigslist, etc)
  • Sorting Job Applicants and Conducting Interviews (interns)
  • Accounting (Quickbooks checks and invoices, receipt organization for taxes)
  • Office Organization (supplies, equipment, files)
  • Film Fest Research and Submissions
  • Blogging & Newsletter (expected multiple blogs per week)
  • Occasional PA (gather actor/talent release signatures on set and occasionally assist with props and reflectors)
  • Office Clean-up (picking up clutter piles, garbage/recycling, sweeping)
  • Occasional Photoshop Editing
  • Miscellaneous Errands (oil changes, office supplies, post office, pine tree trimmings)
  • Babysitting
  • Home Organization/Rearranging & Helping with Decorations
  • Occasional Cleaning

I’m like a personal assistant, office admin, HR department, blogger, and accountant in one!  I definitely feel like I’m being pulled in too many directions.  I make $9 an hour.

I started seeing a nutritionist recently to kick my butt into healthy eating.  She is currently studying holistic medicine.  After telling her about my lack of sleep and stress, she suggested I sit in silence and see what thoughts come to mind.  I’ve been doing this occasionally and, much like what I experience when trying to fall asleep, thoughts of all the things I need to do at work come flooding into my head.  Even taking a week-long staycation did not help, it just piled more things on to my work to-do list.

It’s a source of stress.  Which leads me into thinking about how I’m 29 and have never worked a full time job. I’m 29 and the most I’ve ever made hourly is $9.  It’s rather depressing.

I love my job, don’t get me wrong.  It’s a small family business that started last year so they aren’t exactly raking in dough.  They’re great people and lots of fun to work with.  But am I spreading myself too thin?

I’m curious to know what you would personally pay someone for helping with all the things I do.  Also, any tips on how to bring all this up at the meeting would be appreciated!

7 Things You Probably Don’t Know About Me

I’ve seen this going around the blogosphere so I figured I’d join in on the fun.  Here’s 7 things you probably don’t know about me (unless you are family or a really close friend).shortgirl

1.  I’m short.  Ridiculously short.  4’9″ short.

Grocery shopping alone is always fun because it usually entails me climbing the shelves to reach something on the top shelf.  I’m not complaining about it, I actually think it’s kind of fun.  I always hated living in an apartment complex that had shared laundry rooms because this would always happen.  Let me tell you, it’s not exactly comfortable dangling from the top of the washing machine.

2.  I can still pass for a child.

The shortness helps, so does my child-like voice.  People often just assume I’m a teenager.  It’s been a few years since I’ve gotten a kids menu (without asking) though.  I’m turning 30 in the summer and have no problem with passing for a kid.  Though it does get kind of annoying when I go to a new doctor and they question me if I came alone…

3.  I have no sensation on the right side of my face.

Because of my brain tumor and radiation therapy, I have no sensation on the right side of my face.  This includes no sensation in my right nostril nor my eye.  It’s both a virtue and a vice.  The vice being frequent corneal abrasions.  The virtue being unable to feel pain in my eye (because I’ve heard abrasions hurt pretty bad).  I just recently had a procedure done to remove the top layer of skin on my right lower lid because I had eyelashes that would grow into my eye.  The idea is that scar tissue will form and prevent lashes from growing into my eye.  I imagine it would have been painful even with the numbing shots, but I felt nothing.  I also don’t have sensation in most of the right side of my mouth.  The line fades about half way between my lower teeth.  The nerve sensation on those teeth get to be pretty intense when I go to the dentist.

4.  I eat really slowly.

I have pretty severe TMJ. Radiation caused my jaw muscles to become scar tissue and my upper and lower jaws are misaligned.  Eating becomes pretty difficult with about a 10mm opening.  I can’t fit a blow pop in my mouth and I will never be able to bite into an apple without slicing it into pieces first.

5.  I have an irrational fear of things that pop.

Pillsbury rolls in the pressurized cans are among my biggest fears.  I also have trouble blowing up tires and my exercise ball remains flat because I can’t blow it up all the way.

6.  I’m content without having children.

My cats are my furbabies.  I’ve been around enough mothers and kids to know that I would probably go insane.  I don’t get enough sleep as it is, I don’t need a baby to make it worse.  Labor would probably be difficult for someone like me with such a small stature and I never EVER want another needle in my back again.  If it came to a C-Section, the thought of being awake while they cut you open far exceeds my fear of things that pop.  Also, toddlers are monsters. Check out that link for a new collaborative blog I’m working on with my best friend who has a little monster.

7.  I claim to be a chocoholic but it’s all in moderation.

I crave chocolate a lot.  I love fruit flavored dark chocolate, particularly of the raspberry variety.  Not the gel-filled type, but the one with raspberries mixed in.  I also like Lindt’s dark chocolate orange bar.  I also love chocolate ice cream, chocolate shakes, chocolate pudding, hot chocolate…you get the hint.  I usually have to have a little chocolate after every meal but I only need a little bit to satiate my cravings.  A chocolate bar is usually 1 or 2 servings and I make it into 4-6 servings.

Now it’s your turn!  I nominate anyone and everyone who hasn’t done it yet.  You should do it, even it if you just post to Facebook.

Is there anything on my list that you didn’t already know? Anything we have in common?

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.