I started February 2018 with a student loan balance of $17, 667.52. As of April 2018, the balance stands at $15, 962.21. Meaning that so far, I’ve paid off almost half of what I originally owed on the loan. Actually, when I think of it , I let the balance balloon up to $36,000 so I paid off even more debt than I had! This journey has been enlightening in so many ways and has taught me the benefit of being focused, determined and patient.
Hey there! Hope everyone is having a fantastic week. I’ve been making an effort to do some deep dive work on mah self, analyzing the reasoning behind some of the past decisions I’ve made around money. As you might know, there is a definite connection between how we feel about ourselves and our spending patterns.
I know that for me in my 20’s when I was living with the fam bam in Florida, the fact that my career seemed to be stalling , that I never went to law school or took the LSAT for that matter , left me feeling
Yes it’s already April . But I’m learning to stop marveling at/focusing on how fast time seems to fly and think more about how I am maximizing my time here on God’s green Earth. Have I learned to stop competing with others and aim to be a better person than I was last year around this same time? Am I learning to live in the moment and not in the past or the future? Am I becoming a better steward of my money? Am I content? I must admit I am a work in progress in these matters but the best part about reflection and growth is to recognize that there is work to be done and get down to the business of of actually doing it.
You know how it is. Those cute shoes you’ve been eyeing at DSW for weeks would be an awesome fit for your wardrobe :). They are practically calling your name….they are the perfect color, style and of course they are available in your size. And tomorrow is Friday….AND it’s payday! Yes you already own a nude pump but these are mary janes and they are on sale for $59 ! You just have to have to them. But do you need them?
I realized that my debt load was my safe place. I stared at the $36,000 I owed in student loans 6 years ago and felt completely overwhelmed….and stuck. It felt like it was such an astronomical amount that paying it off would only happen in a future far, FAR away. Then I realized after reassessing the decisions I was making, reading books on personal finance and listening to podcasts, that this debt was holding me hostage….
I’m currently in Tampa, FL visiting family and trying really hard not to spend indiscriminately! You know how it is, you are on vacation and eat out and get your nails done, not wanting to think about budgeting. At first I felt guilty about not budgeting for this trip and spending money on items/services that I wouldn’t normally purchase….