Good evening everyone!
My last post was on Wednesday the 4th. I’m not sure if my post was before or after, but I basically had a nervous breakdown on the phone with my boyfriend. He felt really bad about everything, and I felt that the issues on our side (and my freaking out about it) were his fault–though really it was something that could have happened to anyone, and was pretty beyond his control. Anyway, he was determined to do whatever he could to get it resolved on Thursday, and was successful! I don’t know if it was his calls that did it, or if we just got the good word on Thursday, but either way, our issues are resolved.
Now we wait for the tenants to move out, and I attempt to pack up my apartment. My packing is not going too well. A few months ago my boyfriend and I cleaned and organized my apartment–he did 90% of the work, for an apartment that he doesn’t even live in. And while he did come down to visit me this weekend, he couldn’t stay long because of stuff that he has to get done. Our timing is terrible. I was really looking forward to closing on the 12th, taking a few days off to clean and paint, and pack up my things from here. Now it’s basically going to be putting most of my stuff in boxes, keeping just what I absolutely need, all of which will probably just get loaded into the new place whenever it is that we close.
But, now that our issues are resolved, I’m way less stressed about it. I didn’t spend too much in May (in spite of the unexpected trip to New York), and I’m still trying to be good in June. Since we’re not closing on the 12th, I’ll get another paycheck, so I’ll have more of a cushion in my bank account, and the later we close in a given month, the less pre-paid interest we have to shell out.
In spite of the fact that I’ve already paid $3,500 toward the house, as of my last paycheck I have about $10,000 in cash sitting in my two accounts. I know that it’s because I had been sending an extra $1,000+ to loans, which is productive in and of itself, but it’s pretty cool to see that I have that much money. The only time I’ve ever had that much money at a time was back when I used to get bonuses–say early 2008. To my credit, I used that money to pay off my car, so I wasn’t completely irresponsible. The bonus I got in 2007–definitely more irresponsible. I will be a little depressed to see it all flow out in a few weeks, but I’ll take it while I can.
My goal is to live pretty leanly until it’s (hopefully big) bonus time next year, when I can knock out a few loans. Here’s my debt progress since September (when it shows up relatively accurately).
And my debt breakdown:
The green is my smallest student loan, which is painfully under $1,000 and my revolving balance on my credit card. I paid an extra $100 on the this month, which hasn’t posted yet, which will hopefully bring it to around $800. While my pay down goals have changed significantly from earlier this year, I’m hoping I can kill this by October.