@Markham They kind of do this with some jobs by offering student loan forgiveness - there is Public Service forgiveness, teachers can get loan forgiveness for working in underserved areas, etc.
I remember my Perkins loan having the lowest interest rates out of all my other federal student loans, so I didn't consolidate it, and then realized it made sense to just pay it off as fast as I could so I didn't have that extra monthly payment hanging over my head. But I was lucky I had a decent paying ($30k/year job in 2006) to do so.
No present bias here. I have a spreadsheet that calculates out how much money I'll have like 6 months from now, based on current paychecks and bills I have to pay. I pay my credit card in full each month (only use it for the points).
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@Dancercise Awesome! That's a great decrease.
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@tomtomtom I work for the IRS (in the IT dept) - blame Congress. They changed things after the 1st of the year, after all the computer systems had been coded for the previous tax laws. So everything had to be recoded, and that takes time.
"This is Fullerton. Transfer to Brown and Purple Line Trains at Fullerton. This is a Red Line train to Howard." <3 Chicago
I used to do CrossFit - I was a part-time coach there but the regular monthly membership was $200/month for unlimited classes. Stopped coaching and couldn't afford the cost. Right now I'm doing barre classes and those are $99/month for unlimited classes. I'm in Chicago, so slight premium there, but worth it, I think.
I'm about to pay back the balance of a 401k loan (actually TSP since I'm a government employee). It was pretty painless, and I'm paying it off way early because I can and there's no prepayment penalty. I had a vet emergency with my dog and this was the cheapest option, credit card would have been way more expensive.
Just did an interview for a position with a BIG firm (think accounting, Big 4) who loved me during interview, said I had all the right skills, blah blah, then offered me $10k less than my current salary. And I'm in the public sector right now. I can't believe anyone would work for what they offered, given the job description and duties required.
I love the pain of CrossFit. Love, love love.