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Archive for September, 2008

Best news in months :D

September 25th, 2008 at 02:17 pm

So. I went and talked to financial aid this morning. I must admit I was a bit nervous, as my aid had not gone through yet. I've been on the payment plan, and I would have been quite short of the $1000 due this month...

I was waiting for paperwork to be processed. I had an audit put on my FAFSA, and it took about a month for them to sort things through. When I got an email from the gov, my expected family contribution was $20. heh. Mom getting a divorce was beneficial in more ways than one Smile

Still, my aid had not showed up. We pinpointed the problem-- a processing error having to do with being a guest student over the summer. The problem was (thankfully) resolved, and my aid was indeed pushed through.

Here's the best news: I GOT GRANTS. Yes, for the first time in my college career, I got grants. I'll get more when I'm full time next semester, but it's great to know that there is $1500 I dont have to pay back... Also, I got subsidized loans for the first time. I feel like I'm in hog heaven. When everything is said and done, between the pell grant, the subsidized stafford, and unsubsidized stafford, I'll be getting a little over $2000 in the mail. That money will be promptly put to pay off the majority of my credit card limit. A 25% interest rate will no longer be what keeps me up at night.

I couldn't be happier Smile

See, I've been thinking really seriously lately about starting to save for retirement, as well as saving for a house, a trip, and little by little, the startup costs for my first entrepeneurial endevour. Needless to say, I want to do a lot of saving. With a (relatively) high cc balance, that seemed rather far off, but I have no doubt I can pay off my cc in a couple months if I get this money. I'll trade 25% interest for 6% interest any day. My credit score is also going to likely improve dramatically. Especially considering I'm not going to have to pay these obscene fees for going over my credit limit (note, it was my interest that put me over the limit, not charging... faulty system).

I feel so secure. Up until now I've been so worried I wasn't going to be able to come up with the extra funding. I'm so used to not being able to cover my tuition with stafford loans solely. It feels great to know that I can do it. I dont have to fret. I can just go to school and feel safe that I can finish out the semester.

Yay for me!

So please, look forward to big plans and savings Smile I'll keep you all updated!

PJmama Update.

September 24th, 2008 at 11:19 pm

Hello again, friends!

It's been quite a while since I've posted a blog... I've been incredibly busy with school and work. No big suprise, I'm sure Smile

I'm not 100% on what my last post said, but things are going alright. I still have yet to get my financial aid pushed through... have to talk to the office tomorrow. Class itself is going well, but it's tough while working full time. I've been slipping financially because of my constant motion. I grocery shopped on sunday, however, so I can stop dumping so much money at restaurants Smile Things are getting back on track progressively as I get accustomed to this new schedule.

BF and I are doing fabulously. It's 9 months now. It's scary that he's going to be leaving for his pre-deployment training here in just a couple weeks. It's coming up so soon! That being said, the new puppy will likely be bought next month. I cant say I'm not excited. I've wanted a puppy for many years now.

Work is going alright. I'm making good money, though I'm a bit miserable working for my boss. He's turned into quite the monster over the last couple months. I need to talk to the university career center and work on getting an internship or part time job for the spring semester. It's in the works.

I put together my october budget, and I'm determined to stay on track. I never put one together for september, which would explain the casual spending left and right :/ That's what happens when I stop tracking my expenses...

At any rate, I'm going to get going. There is homework to be done! (always).

I hope everyone is doing well, and I'm happy I could pop in and give you all an update!

Have a wonderful night!