Sometimes I feel like I don't blog enough. I feel like I haven't been on here in ages, and it's only been a week. But a long week.
Things are going well with the loans in forbearance. Money's still tight, but it's nice to have a little breathing room. I even bought a few new clothing items over the weekend. I need more things for sure, but I was happy with my purchases. I'm almost 25 now, and should probably start dressing a little more mature. I think it may be time to get rid of the polos. I'm so much sexier in dress clothes.
Tuesday, April 27, 2010
Tuesday, April 20, 2010
Guess who's back? Back again. Shady's back. Tell a friend.
No more quoting Eminem, I swear.
I have decided to implement a five-year plan to get myself out of debt. I realize five years seems like a relatively long time, but when you consider the fact that I have $50,000 in student loan debt, then it's not that long at all. Of course, I don't have any plans of being rid of my student loan debt by then. It will be financially impossible, unless I were to move back in with my parents for like three years.
So here's the plan. If I pay about $35 extra a month (beyond the minimum payment) toward my credit card I can have it paid off by August 2013. I have one of my student loans deferred for six months and the others for three months, so if I apply for a modified repayment plan on the three loans, in three months I can start saving to buy my car once my lease is up. Even I only save half of what I need to buy my car and then finance the rest, I could have it paid off within about four and a half years. That's four and half years from now, not from when my lease is up. Now, once my car is paid I can start taking a major portion of my money that was allotted for my car payment and apply that toward my student loans. If I'm lucky, with bonuses and raises over the next five years, I will have no credit card debt, a car that's paid for, and be well on my way to paying my student loans off early. I'd really like to have those paid off within fifteen years instead of the twenty five that is my estimated payoff time.
Now all I wish is that I had some sort of super budget-calculating spreadsheet so that I could map all this out.
I have decided to implement a five-year plan to get myself out of debt. I realize five years seems like a relatively long time, but when you consider the fact that I have $50,000 in student loan debt, then it's not that long at all. Of course, I don't have any plans of being rid of my student loan debt by then. It will be financially impossible, unless I were to move back in with my parents for like three years.
So here's the plan. If I pay about $35 extra a month (beyond the minimum payment) toward my credit card I can have it paid off by August 2013. I have one of my student loans deferred for six months and the others for three months, so if I apply for a modified repayment plan on the three loans, in three months I can start saving to buy my car once my lease is up. Even I only save half of what I need to buy my car and then finance the rest, I could have it paid off within about four and a half years. That's four and half years from now, not from when my lease is up. Now, once my car is paid I can start taking a major portion of my money that was allotted for my car payment and apply that toward my student loans. If I'm lucky, with bonuses and raises over the next five years, I will have no credit card debt, a car that's paid for, and be well on my way to paying my student loans off early. I'd really like to have those paid off within fifteen years instead of the twenty five that is my estimated payoff time.
Now all I wish is that I had some sort of super budget-calculating spreadsheet so that I could map all this out.
Friday, April 9, 2010
homecoming
It seems like two thirds of my blog posts are just me feeling sorry for myself. I can't help it if I have an inclination towards depression.
I used to go home to see my family every weekend whenever I first started college, but all I did during my time there was work, so I got a job here in Lexington so I could remedy that. Of course, this also caused me to go home less often. I still have managed to go home at least once a month for the last five years, sometimes even three times a month. So, even if I only went home once a month, over five years that's a minimum of sixty trips. Each trip has a total driving time of at least two and a half hours, depending on traffic. That means I have spent a MINIMUM of 150 hours on the road visiting my family. I know it's been more due to the frequency of times I travelled there in my first six months of college, plus extra trips for birthday parties and such. And there's the fact that I rarely make the trip in an hour fifteen. How many times have they come to visit me? Including graduation and to see a play I was in freshman year, I would say maybe twice a year. Let's give them a little leeway and say they've come up a dozen times. Twelve trips equals a minimum of thirty hours driving time. Incredibly miniscule next to my trips down there.
So, should I be mad if they can't make time for me when I do come to visit? I think I have every right to.
I won't even start with the other ways I feel ignored and neglected. I think that's enough for today.
I used to go home to see my family every weekend whenever I first started college, but all I did during my time there was work, so I got a job here in Lexington so I could remedy that. Of course, this also caused me to go home less often. I still have managed to go home at least once a month for the last five years, sometimes even three times a month. So, even if I only went home once a month, over five years that's a minimum of sixty trips. Each trip has a total driving time of at least two and a half hours, depending on traffic. That means I have spent a MINIMUM of 150 hours on the road visiting my family. I know it's been more due to the frequency of times I travelled there in my first six months of college, plus extra trips for birthday parties and such. And there's the fact that I rarely make the trip in an hour fifteen. How many times have they come to visit me? Including graduation and to see a play I was in freshman year, I would say maybe twice a year. Let's give them a little leeway and say they've come up a dozen times. Twelve trips equals a minimum of thirty hours driving time. Incredibly miniscule next to my trips down there.
So, should I be mad if they can't make time for me when I do come to visit? I think I have every right to.
I won't even start with the other ways I feel ignored and neglected. I think that's enough for today.
Saturday, April 3, 2010
Peaches
I don't really know much about Peaches Geldof, other than the fact that she's the overprivileged daughter of legendary music producer Sir Bob Geldof and that she's had major drug issues in the past, but I already do not like her. Add to the fact that she is dating superfamous hot Jew Eli Roth and that makes me dislike her even more.
A "scandal" recently broke when some kid posted nude photos of he and Peaches from a romp this past November. Supposedly heroin was involved. I fully believe this. However, Eli Roth does not. In a completely bizarre move, he has posted an open letter to the kid's mother on MySpace. This has now made its way to one of my favorite celeb blogs. Read the letter here in its entirety.
Aside from the fact that Roth's motivation for writing this letter is completely ridiculous (especially considering he is a fully-grown man over the age of 40), and that he tries to discredit this boy's mother for no obvious reason, I found the letter to actually be very well written. He presents his, or rather Peaches, side of the story very well, and the language he used was very concise. But who honestly cares? If Peaches Geldof wants to take her (daddy's) money and buy drugs, why is that the world's business? She is ruining no one's life but her own, and apparently Eli Roth's. If he's dumb enough to fall for that "I'm sober" bullshit, then he's digging his own grave.
Just sharing my two cents.
A "scandal" recently broke when some kid posted nude photos of he and Peaches from a romp this past November. Supposedly heroin was involved. I fully believe this. However, Eli Roth does not. In a completely bizarre move, he has posted an open letter to the kid's mother on MySpace. This has now made its way to one of my favorite celeb blogs. Read the letter here in its entirety.
Aside from the fact that Roth's motivation for writing this letter is completely ridiculous (especially considering he is a fully-grown man over the age of 40), and that he tries to discredit this boy's mother for no obvious reason, I found the letter to actually be very well written. He presents his, or rather Peaches, side of the story very well, and the language he used was very concise. But who honestly cares? If Peaches Geldof wants to take her (daddy's) money and buy drugs, why is that the world's business? She is ruining no one's life but her own, and apparently Eli Roth's. If he's dumb enough to fall for that "I'm sober" bullshit, then he's digging his own grave.
Just sharing my two cents.
Subscribe to:
Posts (Atom)
