Holly

is finally cleaning the house.



I'm doing 23 things
 

Holly's Life List

  1. 1. make a difference
    1 cheer
    6,765 people
  2. 2. live simply
    3,259 people
  3. 3. Create a budget, and stick with it
    1 cheer
    398 people
  4. 4. pay off my student loans
    1 entry
    2,839 people
  5. 5. pay off my credit cards
    1 entry . 2 cheers
    1,129 people
  6. 6. eat healthier
    1 cheer
    10,078 people
  7. 7. exercise more
    5,113 people
  8. 8. reconnect with old friends
    444 people
  9. 9. make more friends
    5,076 people
  10. 10. Read 50 books this year.
    175 people
  11. 11. learn to play the cello
    2 cheers
    761 people
  12. 12. go on a cruise
    1 cheer
    4,094 people
  13. 13. improve my spanish
    1,042 people
  14. 14. travel around the world
    4,601 people
  15. 15. Grow a vegetable garden
    353 people
  16. 16. learn to preserve fruit and vegetables
    16 people
  17. 17. get married
    18,540 people
  18. 18. Buy a House
    12,542 people
  19. 19. declutter my house
    1 cheer
    932 people
  20. 20. fall in love again
    1 entry . 1 cheer
    1,730 people
  21. 21. Get more sleep
    4,124 people
  22. 22. visit my relatives in Norway!
    2 people
  23. 23. Visit India
    886 people
Recent entries
pay off my credit cards
Current status on credit card debt 14 months ago

Mastercard: 1067.03 @ 5.99%. Paying minimum monthly
Visa: 2425.78 @ 16.73% Paying $100/month.

I have upped the payment on my visa to $600 per month, in the hopes to pay off the balance by Jan 1st. It’s mostly my new computer and the insurance plan. The other one I’m leaving alone for now. I have some student loans with a higher rate than that, so I’m going after those next.



pay off my student loans
Time to face reality 14 months ago

Ok, so I’ve been avoiding this for a while. Time to do some math.

I have 3 student loans. My federal loans from undergrad and grad are consolidated. I have 2 private loans from undergrad.

SAF (Federal): $61,478. @6.25% Due/month: 342.77 I currently pay: 350.00
Key Bank: $14,089. @ 5.67% Due/month: 175.18 I currently pay: 200.00
Gate: $11,770.12 @various Due/month: 152.18 I currently pay: 175.00

I’d like to pay at least 2 of my gate loans off as they have high interest rates (9.25%). I need about $3400 to do that. I should have my credit cards paid off in the next few months I hope, and then I will start throwing money at these. It’s scary to think that even if I paid them 1K a month, it would still take over 8 years. Right now I’m forking over about 725 so that’s not too impossible to do. I will make that my goal, to pay $1000 a month towards my student loans, once my credit card is paid off.

I don’t think I can accomplish my goal of moving back to Maine until my loans are paid off, because my salary would really go down there, more than the cost of living would decrease, so it’s important to me to pay these off quickly.

I’m going to use 43 things to track my debt payoffs. I want to post an update monthly on both the credit cards and student loans.



fall in love again
*sigh* 14 months ago

This is hard for me, to put myself out there on the dating scene again. I’ve been avoiding it for months but I’ll admit I’m lonely and miss having someone special in my life. I’m tired of online dating. But I don’t seem to know where to meet decent guys. I know they exist, my friends are all marrying them. Several of them met online so perhaps it’s just the luck of the draw.



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