May or Bust!

Okay, January was a total let down.  I underestimated the powers of VSAC and made absolutely NO progress last month in the race to pay off these student loans. Dissapointed?  Yeah, me too.  I’ll explain.  First, the lame numbers…

27 Month Progress

  • Starting Debt: $41,868.53 (Nov  ’12)
  • Debt Today: $10,347.06
  • Total Debt Paid Off: $31,521.47

If you look back to last month’s numbers, you’ll see I barely made a dent.

January Review

  • Starting Balance: $10,408.41
  • End Balance:  $10,347.06
  • Payments Made: $90.35
  • Interest Paid: $29.15
  • Principle Paid: $61.20

I know… seriously sad, sad, sad numbers.  And it looks even worse when put on the graph…

Capture

Red = goal, Blue = loans remaining to be paid

Of the past 2-1/2 years, this is my worst month to date.  Not good timing, seeing as I’m only 5 months away from my goal date!  So why did I fall off the wagon?  Well, this month, the goal was to pay off the next loan on my list, a mere $1800 one too.  Well, this is the first of the VSAC loans I’ve paid off, and it isn’t setup the same as Sallie Mae (now Navient) online.  When I paid off other loans with Sallie Mae (all those pretty crossed off ones), I could pay them online (I make all my payments for everything online) thru their website and it asks you which loan you’d like the extra payment to go towards.  Easy peasy.

Capture

VSAC on the other hand, just allows you to pick an amount to pay, and they dispurse it among the loans.  So, I wrote up a letter and a check, explaining which loan I’d like the $ to go towards. Being conscious about what $ I had in the bank, I didn’t send the check until later in the month, guaranteeing the $ would be in there within a day or two, when the letter would probably arrive at VSAC.  And I only made the minimum payments on loans in January, thinking I was using all my money to pay off this loan.  Hence, the itty bitty numbers this month, boo! Three weeks later (today), the payment finally cleared on their website.

In the meantime, I filed my taxes.  I was hoping for at least $3k, and getting the refund by March, and that’s how I planned to pay off the big $4k loan I have coming up on the list.  Luckily for me, my federal refund came quickly(the biggest of the three – yes, three.  Since I worked in Mass & VT this year, I had to file with both states… we won’t get into that mess tho!).  So, even before that first check cleared, I sent another $2k check to pay off the ‘February loan.’ So, technically, I’m not behind at all.  Just held up a little bit.  Oh and since I sent that check a week ago, it sure as heck better clear before March!

Loan Pay Off Plan

  • January February: Pay Off Loan C (payment cleared today!)
  • February: Pay Off Loan B (payment sent last week)
  • March: Pay Off Loan A (Work Bonus & State Tax returns & usual $1800/mo)
  • April: Pay Off Loan 1-04 (usual $1800/mo)
  • May: Pay off Loan 1-03 (usual $1800/mo)

So, although January was a dud, it’s only mid February and I’ve already sent out the check for paying off the loans for this month, which catches me up to my goal of paying off one loan a month til May.  Now, I just save up until I have the whopping $4k for March’s big loan pay off. I can usually save up to $1800 a month, plus I have my work bonus and state tax returns coming to me, so shouldn’t be a problem at all!

I’m way to optimistic for such a lame report.. 😛 I bet if I keep $ tight, I might get those two last pesky ones paid off before the end of May!  I am soooo ready for these loans to be gone, so I can start hoarding money away for a down payment… house, here we come!!  Hopefully in 7-8 months, I’ll be blogging from my very own office!!!  It’s sooo close now that i’m getting antsy to pay these off so you can imagine how frustrating this past month was for me, urgh!

I’ll be back in 2-3 weeks with a MUCH better update, and hopefully better reviews of VSAC’s payment processing… geesh!

<3 Meghan

Check out my About Meghan page for more posts on finances and paying off my student loans.

P.S. This blog post, on a Sunday, was brought to you by stickers, scissors, and markers – Avery kept quite occupied while I typed this up.  Oh and we had to resort to the iPad for the last portion because Avery tried working on Mommy’s computer while she went potty, so he had to use his computer for a little while too.  Now we’re off to go shoot Nerf guns at SOLO cups… woohoo!

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  85. Howdy are using WordPress for your site platform? I’m new to the blog world but I’m trying to get started and set up my own. Do you need any html coding knowledge to make your own blog? Any help would be really appreciated!

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  88. Hello this is somewhat of off topic but I was wondering if blogs use WYSIWYG editors or if you have to manually code with HTML. I’m starting a blog soon but have no coding expertise so I wanted to get advice from someone with experience. Any help would be greatly appreciated!

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  93. Sweet blog! I found it while surfing around on Yahoo News. Do you have any suggestions on how to get listed in Yahoo News? I’ve been trying for a while but I never seem to get there! Thanks

  94. I’m truly enjoying the design and layout of your site. It’s a very easy on the eyes which makes it much more enjoyable for me to come here and visit more often. Did you hire out a designer to create your theme? Superb work!

  95. I don’t know whether it’s just me or if everybody else encountering problems with your site. It appears as though some of the text in your content are running off the screen. Can somebody else please provide feedback and let me know if this is happening to them too? This could be a problem with my web browser because I’ve had this happen previously. Thank you

  96. My developer is trying to persuade me to move to .net from PHP. I have always disliked the idea because of the expenses. But he’s tryiong none the less. I’ve been using Movable-type on various websites for about a year and am nervous about switching to another platform. I have heard very good things about blogengine.net. Is there a way I can transfer all my wordpress posts into it? Any kind of help would be greatly appreciated!

  97. I was wondering if you ever considered changing the layout of your site? Its very well written; I love what youve got to say. But maybe you could a little more in the way of content so people could connect with it better. Youve got an awful lot of text for only having 1 or two images. Maybe you could space it out better?

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  99. Hi there just wanted to give you a quick heads up. The text in your post seem to be running off the screen in Internet explorer. I’m not sure if this is a format issue or something to do with internet browser compatibility but I thought I’d post to let you know. The design and style look great though! Hope you get the issue fixed soon. Many thanks

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  106. I am curious to find out what blog system you have been using? I’m having some small security problems with my latest website and I would like to find something more risk-free. Do you have any recommendations?

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  113. Hi are using WordPress for your blog platform? I’m new to the blog world but I’m trying to get started and set up my own. Do you require any coding knowledge to make your own blog? Any help would be really appreciated!

  114. First off I would like to say great blog! I had a quick question which I’d like to ask if you don’t mind. I was interested to find out how you center yourself and clear your mind prior to writing. I have had a tough time clearing my thoughts in getting my thoughts out there. I truly do enjoy writing but it just seems like the first 10 to 15 minutes are generally lost just trying to figure out how to begin. Any ideas or tips? Appreciate it!

  115. I’m not sure exactly why but this blog is loading extremely slow for me. Is anyone else having this problem or is it a problem on my end? I’ll check back later and see if the problem still exists.

  116. Amazing blog! Is your theme custom made or did you download it from somewhere? A design like yours with a few simple adjustements would really make my blog stand out. Please let me know where you got your theme. Kudos

  117. Write more, thats all I have to say. Literally, it seems as though you relied on the video to make your point. You obviously know what youre talking about, why throw away your intelligence on just posting videos to your blog when you could be giving us something enlightening to read?

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  120. Hi! I know this is kind of off topic but I was wondering which blog platform are you using for this website? I’m getting sick and tired of WordPress because I’ve had problems with hackers and I’m looking at alternatives for another platform. I would be awesome if you could point me in the direction of a good platform.

  121. I know this if off topic but I’m looking into starting my own weblog and was curious what all is needed to get setup? I’m assuming having a blog like yours would cost a pretty penny? I’m not very web smart so I’m not 100% positive. Any tips or advice would be greatly appreciated. Appreciate it

  122. Excellent site you have here but I was curious if you knew of any user discussion forums that cover the same topics talked about here? I’d really love to be a part of community where I can get advice from other knowledgeable individuals that share the same interest. If you have any suggestions, please let me know. Many thanks!

  123. Hey there just wanted to give you a brief heads up and let you know a few of the pictures aren’t loading properly. I’m not sure why but I think its a linking issue. I’ve tried it in two different browsers and both show the same results.

  124. Sweet blog! I found it while searching on Yahoo News. Do you have any tips on how to get listed in Yahoo News? I’ve been trying for a while but I never seem to get there! Appreciate it

  125. Hey just wanted to give you a quick heads up. The text in your post seem to be running off the screen in Ie. I’m not sure if this is a formatting issue or something to do with browser compatibility but I thought I’d post to let you know. The style and design look great though! Hope you get the issue resolved soon. Thanks

  126. When I originally commented I clicked the “Notify me when new comments are added” checkbox and now each time a comment is added I get four e-mails with the same comment. Is there any way you can remove me from that service? Thanks!

  127. I do not know whether it’s just me or if perhaps everybody else experiencing issues with your site. It looks like some of the text in your posts are running off the screen. Can someone else please comment and let me know if this is happening to them too? This might be a issue with my web browser because I’ve had this happen before. Appreciate it

  128. Hey! I just wanted to ask if you ever have any trouble with hackers? My last blog (wordpress) was hacked and I ended up losing several weeks of hard work due to no data backup. Do you have any solutions to protect against hackers?

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  130. I love your blog.. very nice colors & theme. Did you design this website yourself or did you hire someone to do it for you? Plz answer back as I’m looking to design my own blog and would like to know where u got this from. thanks

  131. I was wondering if you ever thought of changing the layout of your website? Its very well written; I love what youve got to say. But maybe you could a little more in the way of content so people could connect with it better. Youve got an awful lot of text for only having one or 2 pictures. Maybe you could space it out better?

  132. I really like your blog.. very nice colors & theme. Did you make this website yourself or did you hire someone to do it for you? Plz reply as I’m looking to design my own blog and would like to know where u got this from. thanks a lot

  133. Does your site have a contact page? I’m having a tough time locating it but, I’d like to send you an e-mail. I’ve got some suggestions for your blog you might be interested in hearing. Either way, great website and I look forward to seeing it improve over time.

  134. I’m really enjoying the theme/design of your weblog. Do you ever run into any browser compatibility problems? A number of my blog audience have complained about my site not operating correctly in Explorer but looks great in Chrome. Do you have any ideas to help fix this issue?

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  136. Hmm is anyone else encountering problems with the pictures on this blog loading? I’m trying to find out if its a problem on my end or if it’s the blog. Any suggestions would be greatly appreciated.

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  139. Hey there! I know this is somewhat off-topic but I needed to ask. Does operating a well-established blog like yours take a massive amount work? I’m brand new to blogging however I do write in my journal every day. I’d like to start a blog so I can share my personal experience and views online. Please let me know if you have any recommendations or tips for new aspiring blog owners. Appreciate it!

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  141. First of all I would like to say great blog! I had a quick question that I’d like to ask if you don’t mind. I was interested to find out how you center yourself and clear your head before writing. I have had a tough time clearing my mind in getting my ideas out. I do take pleasure in writing but it just seems like the first 10 to 15 minutes tend to be lost simply just trying to figure out how to begin. Any suggestions or tips? Thanks!

  142. Superb blog you have here but I was curious if you knew of any message boards that cover the same topics discussed in this article? I’d really love to be a part of online community where I can get feed-back from other experienced people that share the same interest. If you have any recommendations, please let me know. Many thanks!

  143. Greetings from Idaho! I’m bored to tears at work so I decided to check out your website on my iphone during lunch break. I love the info you present here and can’t wait to take a look when I get home. I’m shocked at how fast your blog loaded on my phone .. I’m not even using WIFI, just 3G .. Anyways, awesome site!

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  147. Hello! This is kind of off topic but I need some help from an established blog. Is it hard to set up your own blog? I’m not very techincal but I can figure things out pretty fast. I’m thinking about making my own but I’m not sure where to begin. Do you have any ideas or suggestions? Appreciate it

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  150. Howdy! I know this is kinda off topic but I was wondering if you knew where I could locate a captcha plugin for my comment form? I’m using the same blog platform as yours and I’m having trouble finding one? Thanks a lot!

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  153. Hey fantastic blog! Does running a blog similar to this take a large amount of work? I’ve no expertise in coding but I was hoping to start my own blog soon. Anyway, should you have any recommendations or techniques for new blog owners please share. I understand this is off topic however I just wanted to ask. Kudos!

  154. I’m not sure why but this website is loading extremely slow for me. Is anyone else having this issue or is it a issue on my end? I’ll check back later and see if the problem still exists.

  155. Hey just wanted to give you a brief heads up and let you know a few of the images aren’t loading properly. I’m not sure why but I think its a linking issue. I’ve tried it in two different browsers and both show the same outcome.

  156. Hey there! Quick question that’s entirely off topic. Do you know how to make your site mobile friendly? My site looks weird when browsing from my iphone. I’m trying to find a template or plugin that might be able to correct this problem. If you have any recommendations, please share. Thank you!

  157. I’m truly enjoying the design and layout of your blog. It’s a very easy on the eyes which makes it much more enjoyable for me to come here and visit more often. Did you hire out a designer to create your theme? Excellent work!

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  159. First off I want to say wonderful blog! I had a quick question in which I’d like to ask if you do not mind. I was curious to find out how you center yourself and clear your head prior to writing. I’ve had trouble clearing my thoughts in getting my thoughts out. I do enjoy writing but it just seems like the first 10 to 15 minutes are generally wasted just trying to figure out how to begin. Any recommendations or hints? Many thanks!

  160. Today, I went to the beach with my kids. I found a sea shell and gave it to my 4 year old daughter and said “You can hear the ocean if you put this to your ear.” She placed the shell to her ear and screamed. There was a hermit crab inside and it pinched her ear. She never wants to go back! LoL I know this is totally off topic but I had to tell someone!

  161. Hey there just wanted to give you a quick heads up. The text in your post seem to be running off the screen in Safari. I’m not sure if this is a formatting issue or something to do with browser compatibility but I thought I’d post to let you know. The design and style look great though! Hope you get the problem fixed soon. Kudos

  162. I don’t know if it’s just me or if everybody else encountering problems with your website. It seems like some of the text on your content are running off the screen. Can somebody else please comment and let me know if this is happening to them too? This may be a issue with my browser because I’ve had this happen previously. Many thanks

  163. Good day! I know this is kind of off topic but I was wondering which blog platform are you using for this website? I’m getting sick and tired of WordPress because I’ve had problems with hackers and I’m looking at alternatives for another platform. I would be great if you could point me in the direction of a good platform.

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  165. The other day, while I was at work, my cousin stole my iphone and tested to see if it can survive a thirty foot drop, just so she can be a youtube sensation. My iPad is now broken and she has 83 views. I know this is totally off topic but I had to share it with someone!

  166. Great blog! Is your theme custom made or did you download it from somewhere? A theme like yours with a few simple adjustements would really make my blog stand out. Please let me know where you got your theme. Thank you

  167. I really like your blog.. very nice colors & theme. Did you create this website yourself or did you hire someone to do it for you? Plz answer back as I’m looking to design my own blog and would like to find out where u got this from. thanks a lot

  168. Greetings from Los angeles! I’m bored at work so I decided to browse your blog on my iphone during lunch break. I love the information you provide here and can’t wait to take a look when I get home. I’m shocked at how fast your blog loaded on my cell phone .. I’m not even using WIFI, just 3G .. Anyhow, amazing blog!

  169. Hey there outstanding website! Does running a blog such as this require a large amount of work? I have absolutely no expertise in coding however I had been hoping to start my own blog in the near future. Anyhow, if you have any ideas or techniques for new blog owners please share. I understand this is off subject however I just wanted to ask. Many thanks!

  170. Hey this is kind of of off topic but I was wondering if blogs use WYSIWYG editors or if you have to manually code with HTML. I’m starting a blog soon but have no coding know-how so I wanted to get guidance from someone with experience. Any help would be enormously appreciated!

  171. Good day! I could have sworn I’ve been to this blog before but after browsing through some of the post I realized it’s new to me. Anyhow, I’m definitely delighted I found it and I’ll be bookmarking and checking back frequently!

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  174. I know this if off topic but I’m looking into starting my own blog and was wondering what all is needed to get set up? I’m assuming having a blog like yours would cost a pretty penny? I’m not very web smart so I’m not 100% positive. Any tips or advice would be greatly appreciated. Thank you

  175. Sweet blog! I found it while searching on Yahoo News. Do you have any tips on how to get listed in Yahoo News? I’ve been trying for a while but I never seem to get there! Many thanks

  176. Hi! I could have sworn I’ve been to this site before but after browsing through some of the post I realized it’s new to me. Nonetheless, I’m definitely happy I found it and I’ll be book-marking and checking back often!

  177. Whats up are using WordPress for your blog platform? I’m new to the blog world but I’m trying to get started and set up my own. Do you need any coding expertise to make your own blog? Any help would be greatly appreciated!

  178. Good day! I could have sworn I’ve been to this website before but after reading through some of the post I realized it’s new to me. Anyways, I’m definitely happy I found it and I’ll be book-marking and checking back frequently!

  179. Hmm it looks like your blog ate my first comment (it was extremely long) so I guess I’ll just sum it up what I submitted and say, I’m thoroughly enjoying your blog. I as well am an aspiring blog blogger but I’m still new to the whole thing. Do you have any suggestions for inexperienced blog writers? I’d certainly appreciate it.

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  184. Please let me know if you’re looking for a article author for your blog. You have some really good articles and I believe I would be a good asset. If you ever want to take some of the load off, I’d absolutely love to write some content for your blog in exchange for a link back to mine. Please send me an e-mail if interested. Many thanks!

  185. Greetings from Colorado! I’m bored to death at work so I decided to browse your site on my iphone during lunch break. I enjoy the information you present here and can’t wait to take a look when I get home. I’m shocked at how quick your blog loaded on my cell phone .. I’m not even using WIFI, just 3G .. Anyways, wonderful site!

  186. Hmm it appears like your blog ate my first comment (it was extremely long) so I guess I’ll just sum it up what I submitted and say, I’m thoroughly enjoying your blog. I too am an aspiring blog blogger but I’m still new to everything. Do you have any suggestions for rookie blog writers? I’d genuinely appreciate it.

  187. Howdy! I know this is kind of off topic but I was wondering which blog platform are you using for this website? I’m getting tired of WordPress because I’ve had problems with hackers and I’m looking at options for another platform. I would be fantastic if you could point me in the direction of a good platform.

  188. First off I want to say awesome blog! I had a quick question that I’d like to ask if you don’t mind. I was curious to find out how you center yourself and clear your thoughts prior to writing. I’ve had a tough time clearing my mind in getting my thoughts out. I do take pleasure in writing however it just seems like the first 10 to 15 minutes tend to be wasted simply just trying to figure out how to begin. Any recommendations or tips? Appreciate it!

  189. Hey there would you mind letting me know which webhost you’re utilizing? I’ve loaded your blog in 3 different web browsers and I must say this blog loads a lot quicker then most. Can you suggest a good internet hosting provider at a honest price? Many thanks, I appreciate it!

  190. Do you mind if I quote a couple of your articles as long as I provide credit and sources back to your site? My website is in the exact same niche as yours and my users would certainly benefit from a lot of the information you provide here. Please let me know if this okay with you. Appreciate it!

  191. Hello there! I know this is kinda off topic however I’d figured I’d ask. Would you be interested in trading links or maybe guest authoring a blog post or vice-versa? My website covers a lot of the same topics as yours and I think we could greatly benefit from each other. If you might be interested feel free to send me an email. I look forward to hearing from you! Wonderful blog by the way!

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  193. Neat blog! Is your theme custom made or did you download it from somewhere? A theme like yours with a few simple tweeks would really make my blog stand out. Please let me know where you got your theme. Thanks

  194. Hmm it looks like your site ate my first comment (it was extremely long) so I guess I’ll just sum it up what I wrote and say, I’m thoroughly enjoying your blog. I too am an aspiring blog blogger but I’m still new to everything. Do you have any tips and hints for novice blog writers? I’d really appreciate it.

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