Wednesday, March 13, 2013

Here's to fifteen years together!

Goodbye, student loan!  I won't miss you at all!

I just sent the final payment for a student loan that has been a part of my life since 1997.  Fifteen years after dropping out of a private college, those general requirement classes are finally paid off.

Direct Deposit Advance - $0/$550
Store Card 1 - $0/$323
Credit Card 1 - $0/$400
Line of Credit 1 - $0/$510
Credit Card 2 - $0/$685
Store Card 2 - $0/$2,798
Auto Loan 1 - $0/$4,140
Student Loan 1 - $0/$1,951
Student Loan 2 - $886/$3,148
Credit Card 5 - $1,716/$1,700
Credit Card 4 - $2,713/$4,577
401k Loan - $1,772/$2,400
Line of Credit 2 - $3,052/$5,000
Student Loan 3 - $3,209/$5,614
Credit Card 3 - $4.718/$5,150
Student Loan 4 - $4,820/$6,048
Auto Loan 2 - $4,978/$10,000

TOTAL REMAINING - $27,864/$54,944

Our "July Fund" of $3,500 is complete as well. This will cover Perry's missing income and our mostly-camping vacation with the family. We're going to have so much fun!

We are planning to buy a vehicle from a family member in June. My 10+ year old sedan is still running well, but it is getting harder and harder to squeeze three kids (all with booster seats) into the back. I've been putting off even thinking about getting a different vehicle because I hate the idea of having a car payment. I grew up one of three kids who shared the back seat of a sedan, but A) we weren't all the same size, so we didn't all need the same amount of space like our three almost-seven-year-olds, and B) the sedans of the 1980's were significantly roomier. We hope to save up enough to pay in full, but that may not be feasible without dipping into our savings. If that is the case, we plan to fork over everything we've saved and pay off the rest as quickly as possible. We're still debating what will happen with my car.

More good news!  I had my annual review last week and I am getting a small raise. Working hard pays off, kids!
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