I need to do four credits of practica in ESL to finish the license, even though my master’s will be done. I need to do this in the fall for a few reasons: 1) If I don’t, I may never do it. 2) My loans will remain deferred longer, enabling me to pay off other debts before they come due, and then being able to hit them with big payments. 3) It’ll just get more expensive the longer I wait.

I’m going to leave this one toward the bottom of the list, but I have to remember that the money must be left alone for this purpose, or I will come up short. The good news is that saving on my current schedule, I will have enough. And since we’re going to get a small pay boost, that means the belt won’t be quite as tight (or, I can save a little more to use for emergencies, etc.).