Tips and Tricks I Learned On My (Sometimes Rocky) Path of Student Loan Repayment

Today I have a guest post from Jacob, a personal finance blogger at DollarDilligence.com, on a topic that I know many of my readers deal with – student loan repayment.

I couldn’t believe my eyes when I logged online and took a look at how much of my student debt I had paid off in the previous year. It was next to nothing. I hadn’t even missed any payments. To start the year, I had around $26,000 in debt and after 12 months of payments I hadn’t even gotten to under $25,000.

I couldn’t believe it.

My problem was that I was on an income-driven repayment plan that limited my payments to only 10% of my income. My interest was still accruing and I was barely putting a dent in my principal – a common problem with these kinds of plans.

That’s when I decided I needed to make a change. I completely changed my lifestyle and repayment plan, and vowed to repay my debt within the next year and a half.

I’m happy to say that I was successful, though it wasn’t fun. How did I do it?  Continue reading

Perseverance

I can’t do this anymore.

Stella celebrated my diaversary with a nap

I think this at least 5 times during the average day. Sometimes it’s traffic, client problems or other daily hassles that bring it on. But most of the time, it’s diabetes that makes me think this.

I think to myself some variation of, “I can’t do this anymore.” And then, I keep on. This is perseverance – Grit, resolution, pluck.

Last Friday was my sixth diaversary, instead of talking about diabetes, I chose to post about my new dog. Because dogs are more pleasant. Continue reading

Stella!

Brad and I decided to add a new member of the household. Last weekend, we adopted a dog! This is the typical conversation when I told folks above a certain age that I got a dog:

Me: We adopted a dog.

Them: What’s its name?

Me: Stella

Them:

Other younger people ask if it’s after Stella from How I Met Your Mother or the dog on Modern Family… or ask nothing at all. Anyway, Stella is a 7-year-old American Bulldog and Dalmatian mix. What does that even look like? Thanks for asking… like this: Continue reading

Holding in a Sneeze: My weird week without my husband

It was Friday morning and I’m sitting at my desk with my face screwed up and trying to hold in a sneeze that was brewing. I know you aren’t supposed to hold in your sneezes, it’s not healthy. But I knew, if that sneeze came out it would start my nose bleeding again. I see enough of my own blood on a daily basis, I really didn’t need it to start coming out of my face… again.

It had been a weird week already so a perfect way to cap it off was appearing like I was on the verge of tears because that stupid sneeze was trying to form.

Brad was in Canada for work most of the week so I was on my own. Continue reading

I Went to Colorado…

Recently had a meeting in the Denver area with a client so I headed out to since my sister lives out there it was the perfect opportunity to extend my trip a few days and hang out with her and my fantastic nieces and nephew.

My client meeting was on the west side of Denver, following the meeting my colleague and I headed to Golden Colorado.

Golden

Continue reading