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Ending October With A Bang

November 2, 2022 This week was a busy, chaotic week but a good one and we hit some big goals in this house!First, I finally paid off my last private student loan. It wasn’t very big to begin with, but it was still a few thousand dollars and the interest rate was higher than I’d like. I really had to prioritize paying off my loan. I could have done this years ago, but it just didn’t occur to me to do so when I had bigger things to worry about. Once I got my basic finances under control, I was able to direct more attention to my loan. Here’s the main things I did to achieve this:
  1. I increased my monthly payment. A few months ago, my Summit coach suggested maybe I could throw a little extra money at my loan. I took another look at my budget and I decided I had the wiggle room to double the monthly payment and could cut back on some miscellaneous spending.
  2. All my spare funds went to my loan. I took extra Rover bookings and worked a little overtime. I calculated what the extra funds were, closely monitored my paydays, and made sure the extra funds went towards my loan.
  3. I reminded myself why it mattered. When I thought about just spending the extra cash, I reminded myself of the goals I have that paying off this loan will help me achieve. It was a big bet on my self-control, but I managed to do it!
Second, in between overtime and pet check ins, I was able to enter my older dog, Olly, into an agility competition where he finally got a qualifying score and took first in his class! We’ve been training for about 3-4 years and I made it a personal goal to enter our first competition this year. It took most of the year, but I did it! Finally getting a qualifying score was especially gratifying because his one fault is knocking bars and in agility, that’s an automatic disqualification. A couple more Q’s and we’ll have a new AKC title. I can’t wait to see what else he can do.Here’s to November bringing even more excitement! You might also be interested in What a ride it’s been! 2022 has been full of adventure and trying new things and I’m so excited by all the progress Project Money has given me financially... As the end of Project Money draws near, I can’t believe how far I’ve come since we started. Day to day, I always felt like I could be doing something more... How many times did my dad tell me this as a kid when I really wanted McDonald’s? How many times do I tell myself this in a week when I don’t want to cook... It’s that time of the year again when you reminisce and look back over the year and start thinking ahead to next year. Every year, I try to make a personal... Happy (belated) Thanksgiving! This year didn’t really feel like anything special since my goal was to keep it low key. I was able to make a nice dinner... One of the things, or problems, I knew about myself coming into Project Money was that I had a loose budget but I never let that stop me from doing the... I can’t believe we’re halfway through November! I feel like this entire year has just been me saying I can’t believe how time is flying. How is Thanksgiving... One of the biggest things I’ve always been interested in is investing but since I struggle with crunching numbers and finances generally overwhelm me... This week was a busy, chaotic week but a good one and we hit some big goals in this house! First, I finally paid off my last private student loan. It wasn’t...