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Midweek update

September 11th, 2013 at 06:25 pm

What. a. week.

I happily reported on my little victories the other day, but I'm having quite the hectic week regardless.

Yesterday I worked through mid afternoon, then left work early to drive down to Columbus to see the USMNT beat Mexico 2-0. That was pretty amazing! I did buy us food on the way down, as BF covered both tickets and drinks while we were down there. That was about $14-- so nothing crazy.

We did end up driving back last night, but it was still a late one. I woke up not only exhausted this morning, but my allergies were raging, and other fun factors have my stomach in a bind (unfortunately, not alcohol related).

I ate breakfast and lunch at home today-- took my car in to get the muffler fixed. I was happy to come out of it only spending $100. There's another piece that will likely break at some point, and they quoted me $300 for that... but it'll just make it a little louder and wont actually hurt anything. So I opted to wait until it gets bad to deal with that. Still need to fix my windows (the front ones don't roll down anymore), but that's another expense I can procrastinate. It's about to get cold anyway, I don't need to roll my windows down Wink Paid the bill with the CC to get the reward points, but I'll be paying it off in full as soon as it posts.

That being said, I have an extra $400 in the budget to reallocate. Which will, of course, be going to that student loan account. I'll be able to dip under $12k this month. That's pretty exciting!

In other good news, I had talked to BF previously about the potential of him giving me a "loan" to essentially refinance some of my student loan debt. I usually wouldn't intermingle my expenses with a significant other, but given that we're planning on getting married in about a year, it seems alright. I'd never ask him to pay my loans off, but from a joint financial perspective, him paying off my loan so that I can pay him back at zero interest is going to save a lot of money in interest over the course of the next decade or so. The faster I pay off my loans, the sooner I can contribute more to things like downpayments on a house and saving for having kids/college/etc.

We talked about it for a while, and he was a bit uneasy because he still hadn't sold his car and wasn't quite where he wanted to be in terms of saving. We had also originally talked about him paying off the total $12k.

Yesterday, though, we revisited the topic-- as he finally sold his car and is back where he was in his savings. The arrangement we agreed on was that after I cut this loan in half, he's going to pay off the last $6,000 on it, and then I'll pay him back at zero interest for that one. Kind of a testament to my dedication to all of it, and it gives him a little time to save up a bit more as well. Nonetheless, that's still quite a bit of money I'll save in interest-- and it'll likely move into a situation where that same money just revolves after a loan is paid off. It could save us a lot in the end.

Needless to say, the BF is a pretty awesome dude. And I'm so very fortunate that he is in the position to help out where he can and already does.

All that being said, it's time for me to get back to work. I have a lot of catching up to do! Hope you're all having a great week.


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