Ok! This month I write from the last hour of my last day at my lawyer job (for now), and on Monday I start circus school! For that goal, I wanted $3000 in the bank, which I got! (well, minus some funds I already spent for circus tuition). For my second goal, paying down my bar loan, in April it was $10,178, interest 9%, and it is now... DRUMROLL... $9,910, officially below the original balance! Four years later. (¬_¬) But whatever, I'm paying attention to it now and it's slowly melting under my fiery gaze and in the meantime excuse me while I go hang from things for a couple months WHEEEEEEEE!!!!!
Oh hush, raptoresq. As if western medicine is devoid of "flim-flam artists" or ineffective (and even damaging) treatments. If you don't know anyone who's had a terrible experience with surgery, just live a few more years and it'll happen, unfortunately. I appreciate the real talk Lisa, and I'm glad you're feeling better. But yes, no more psychics :)
Yup, samesies as nell. I don't live close to a shopping center where I can get electronics/household stuff, and I work long hours, so being able to order things to my house with free shipping is a convenience that's hard to give up. And I use the wishlist feature to keep track of stuff that I'm planning on buying or thinking of buying, which makes me even more dependent on it. Maybe this will be the year I give it up though, because that list of crummy behavior is getting pretty long ... I do often choose regular shipping instead of the free two day shipping because I like to imagine it eases the pressure on the warehouse workers in some very small way? :/
@squashblossom Oh one other thought - maybe it's possible to split the baby - i.e. sign up for the program, then either put savings in an account in case it goes badly, or make higher payments on the debt when you're able to, throughout the next ten years. (I'm presently making slightly higher payments just for ease of mind). That's a self-discipline oriented approach though, and if you bail on the program a few years in, or the federal government isn't there for you in 10 years (which sounds paranoid, but they're already getting mushy on this commitment, and c'mon, they shut down for no reason last year, so), you've got interest built up on the loans in the meantime. Good luck!!
@squashblossom My decision was forced - my law school required me to sign up for the federal program (which they can do, because they're making the payments for me). One of my present financial goals is to make enough money to disqualify myself for it and get back on a faster payment plan - it's a weird situation, and I recognize a lucky one compared to being completely responsible for my loans, but I still don't like it. Watching those loan balances hold steady month after month is really frustrating, so I have a hard time recommending it whole heartedly, although in theory, it would save you a lot of money, so I feel like I should say do it.
Logan, I also really like your class analysis and feminist orientation, both of which can be seen as a bit more "serious" topics, so maybe when you get settled in your other job, you can focus on some new areas, because I have a feeling you have more to say (not that I didn't also love hearing about credit card debt :). Also, I am generally rooting for this site to become more and more critical of income disparities, and eventually become the fomenting ground for the financial revolution in America. So, you know, to the extent this is a place for content feedback from readers, that is mine!
@Jake Reinhardt Oh, fascinating! You have inspired me to at least try on a pair of slim-fitting, fabulous sweatpants.
@LookUponMyWorks Leggings! Leggings are very comfortable, and dresses if they're stretchy. Unitards are also great although I don't quite have the nerve to just wear them around.
@Allison Yes indeed! I am so so so excited.
@highjump Right?! I'm in a public interest repayment situation where my school gives me the money for payments for ten years and then the government is supposed to forgive the remaining amount. It lulled me into a sense of complacency until I realized the repayment was so slow the debt is not decreasing - so now I'm actually putting some of my own money toward it, which sort of feels like a waste, but makes me feel better about the larger debt picture. So yeah, great, but also not great is exactly the situation.