I can happily say that I have paid off my very first loan!!! I know it's the smallest one, and the one with the lowest interest rate, but it feels good to cross one off the list I've also simultaneously reached a goal an entire month and a half early. Paid the final $399.72 today because I got paid yesterday. I feel the progress indeed.
I'm still under budget total for the month. I over-budgeted for the vet, but that savings funded a new set of gloves, a hat, and a scarf for me. Considering I've treated myself very little in the past few months, I feel okay about the purchase despite the fact that they weren't necessarily a *need*.
I still feel that I'll come out of November under budget. I can't say I'll have much extra income... mostly because I've been strapped for time recently and not devoting as much to my freelance work. I still need to squeeze in at least 8 more hours this month just to make what I budgeted for. With the holiday coming up this week I'm hoping that's possible. I'm looking forward to xmas break. I feel like I'm going to really bank with the extra time I'll have. My client has another project he'd like me on as well. There just aren't enough hours in the day.
I've been eating at restaurants a bit too much as of this week, though I'm still under budget. Just have to watch it in the coming weeks and stop with all the Dunkin Donuts coffee and wraps... Paid my internet bill today, and got all caught up on tracking. Feels good.
So the next goal... Paying off my highest interest loan by the end of next year. That's $12,802.56 in 13 months, or $884.81 every month-- or really more than that, because that doesn't include the tax. We're looking at close to $1,000/month-- so we'll see if I can reach the goal. I have faith (and more importantly, determination). I'll have a leg-up in January because I have a $1,000 in scholarship money coming my way. In April I'll be using any tax return money to put toward my debt, so that will also help.
Regardless, that is my mission and I hope to accomplish!!
Time for me to get to work. I hope you all have a fantastic rest of your weekend.
Goal Achieved!
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If you like a bit of exotic, wrap your leftovers in a long strip of Romaine, with a sprinkle of sesame oil & soya sauce. Add a paper thin slice of sweet onion & minced garlic if you're not talking to people or carry TicTacs.
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