Money Monday

April showers brought May flowers… and money trees!  I’m excited to report that I’m getting back on track, and was able to put lots of $ towards student loans this month.

18 Month Progress

  • Debt Nov 2012: $41,868.53
  • Debt May 2014: $22,556.63
  • Total Debt Paid Off: $19,311.90

I’ve paid off almost $20K in a year and a half.  That’s an accomplishment!!!  I’ve almost paid off half my student loan debt – Yay!

May Review

  • Starting Balance: $23,853.83
  • End Balance: $22,556.63
  • Paid Towards Loans: $1,560.08
  • Interest Paid: $89.66
  • Principle Paid: $1,470.92

I made some extra payments this month, putting a total of $1500+ towards loans, but if you look at the chart, it didn’t seem to make much of a dent :(  I was so excited when I sent those extra payments out this month too!

payoffloanschart

And if that’s not discouraging enough, I just had to make my final payment for the divorce.  So, my savings account is wiped clean, and building up the extra $ for student loans is going to take a few weeks… boo.  I’m not as confident in paying this next loan off by August now…

Loan Pay Off Plan

  • SM 1-08 @ 6.55% (February ’13): $0
  • SM 1-07 @ 6.55% (Nov’13): $688
  • SM 1-05 @ 6.55% (Nov’14): $3020
  • SM 1-06 @ 6.55% (Mar ’14): $3274
  • SM 1-02 @ 6.55% (Aug ’14): $4,072.07  <– This is next!!!
  • SM 1-01 @ 6.55% (Jan ’15): $6,923.05
  • VSAC C @ 4.77% (Mar ’15): $1,974.88
  • VSAC A @ 3.17% (Mar ’15): $4,437.26
  • VSAC B @ 3.17% (Apr ’15): $2,205.96
  • SM 1-03 @ 2.1% (May ’15): $1,261.51
  • SM 1-04 @ 2.1% (May ’15): $1,681.90

So, pretty much, I need to pull together an extra $1350/mo for the next three months to get that paid off.. wish me luck! (I think I can.. I think I can…)

Monthly Budget

So, no more annoying excel charts for budgeting… I finally took a little time and setup my expense analysis via my bank account and it gives me a cute dashboard look of my expenses for the month.
monthly budget May 2014

I’m working on setting up my budget in this this too, so it’s all done for me… less time logging stuff, yay!  I’ve been more lenient with my ‘budget’ lately.  I only buy things that I NEED and treat myself and/or Avery sometimes… like I just bought him a bike seat and helmet, but it will get lots of use this summer!  There have been lots of reasons to buy gifts this past month, like my sister going to grad school, parents anniversary, mother’s day, and a few birthdays.  There are a bunch more coming in June, so I have to be creative to keep saving $!

Where did the weekend go?!!?  Feels like the weekend flew by!  We had pizza during a rainstorm Friday night.  Saturday we hit up two birthday parties.  Sunday we went shopping for food and supplies for the yard, and Joey and I went on an afternoon date.  A fun and busy weekend leaves me in a good mood at the start of the week….How can I not be happy when our weekend was full of shenanigans like this…

IMG_1737

Happy Monday!

<3 Meghan

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

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