Tuesday, August 28, 2012

Ah, April! The Missing Month's Financial Update

Yes, Yes, I realize this is August and completely out of order, and so long ago that we don't even care about it...  But for the sake of disorganization, I thought I would just go ahead and post it anyway.

$944.12 Total Paid toward my student loans
                    No Snowball Payment

                    $545.63 Amount to Interest (57.8%)
                    $398.49 Amount to Principal (42.2%)

                    Percentage of Principal Paid (0.33%) 

So, April was a really hard month...  It was the month that I quit blogging.  I came to a lot of crossroads all at once and I felt like my life was moving beyond my control.  I had just moved in with Sig. O and that brought on a lot of new changes and challenges for the both of us.  My job increased my workload, but was not providing me with the resources I needed.  And when is money and finances not ever an issue when you're $120,000 in debt?

All of the stress caught up with me and my lupus took me for a tail spin.  Every cell in my body ached, my hair was falling out in clumps, I wasn't able to peel my eyes apart in the morning, and yet I couldn't fall asleep at night.  I was forgetting to take my prescriptions almost daily, but taking every other pill I could get a hold of just to get through the day.  My Sig. O was pulling away from me and I could not blame him.

I started seeing a counselor when my state of being put me in jeopardy of losing my job.  With everything going on, she asked me how I was even able to get myself there in the morning.  I said the answer was simple, I had student loans to pay and no one was going to be paying them for me.  She replied, "No dear, that's not how it works.  Debt is depressing, not motivating.  Now tell me.  What gets you in to work each day?"

Uh... What?

Clearly this woman wasn't going to help me.  I would like to have said that I realized this right away, but it was actually about 6 sessions later.  (I blame the lupus, or the depression or the lupression.  lol)

Anyway, I stopped seeing the counselor, gleefully saved those copays, and started slowly rebuilding my life.  

Things are still a little bumpy here and there, but I've got a lot of stories to share about the changes I've been making.  I haven't been paying extra on my student loans... but I did manage to put away $10,000 in savings.  But that story is for another day.  

Thanks for sticking around,


  1. I'm glad you see you're back! Even though I don't know you and can't remember how I ended up at your blog, I was worried about you.

  2. I am proud of you, lady!! what a tremendous stress you have been put through, and you found your way to the other side, and with $10k to boot!!! You are seriously an inspiration! Can't wait to read the blog posts again. -D

  3. @Anonymous - Thanks so much for your support! It really means so much to me. I'm glad you found my blog and still come back to check it!

    @Danielle - Thanks Darlin! I don't know where I'd be without you! Thanks for always reassuring me that I'm doing the right thing. xoxo

  4. Hi Snowball! I am so happy to see you are back. I also randomly came across your blog awhile back. As a fellow female EE digging out of student debt, it really struck a chord with me. :)

    Congratulations on your progress. You are doing so fantastic!! $10k in savings, wow!

    1. whoop whoop, EE! I always love meeting fellow nerds!

      Thanks for your comment! It's exciting to know when someone is reading along. If you start a blog let me know, I hope you're having some success in getting your loans paid off.

      All the best,