Oh November. You came so quick and got so cold. I can’t say I’m excited to see you go. That just means winter is officially here.
I had a happy November, but for no single tangible reason. My stress was down and due to the progress I made on my loans, I was flying a bit on cloud 9.
I purchased my car this month and so far so good! My only concern is the financing. The original loan amount was for $13,500 + the $75 origination fee (fees, fees, everywhere!). However, the loan balance listed on my online banking is $13,679. Hmmmms. I need to make a call to a banker and figure this out. I hope it’s the total amount I will pay on the loan. We’ll see.
As someone who has lived in the tundra for all but 1 year of my life, I’m a little embarrassed to admit that I finally bought proper winter boots. Bonus: they are adorable! Unfortunately, they were too tight with calf-high wool socks and toe warmers. It was a bit of a run around to get them exchanged for the right size. Apparently, I wanted a popular boot at a popular time in a very popular size!
Thanksgiving was wonderful but very small. Half of my family was warm in Arizona, sending me pictures of their tan lines. JERKS. The other half made Thanksgiving so perfectly low key. Even better, when Christmas came up, we all decided that there would be no gifts this year. Just togetherness. THIS MAKES ME SO HAPPY.
Most importantly, November started my Marvel education. This month, I watched Ironman, Ironman 2 and Thor. The movies are good, but more importantly, they’ve given me a connection to my baby sister. We’ve been close her entire life but have drifted apart since I moved away from home. (She’s also nearly 16. Hanging out with her big Sis isn’t exactly priority one right now.) She’s a huge Marvel fan and talking Marvel is the only way I’ve found to get her to answer my texts/calls. If I need to learn to quote Marvel movies to get my baby back, I’m all in.
And to the numbers! …
End of October Student Loan Debt: $21,875
End of November Student Loan Debt: $18,596
That’s $3279 paid off this month!
So not only did I cut my student loan debt down to 1 loan, but I broke through the $20,000 barrier. It was a really weird feeling to get into the TEENS. I felt like I was practically debt free. I didn’t realize how much my loans were affecting me until I reached this milestone. I walked taller, I was more confident. Holy Crap! These bad boys are almost gone.
Since starting this journey, I’ve paid off $26734. That means I’ve blown through all three of my stretch goals and it’s only November. That means I need a new goal! While I’d love to pay off $30,000 in one year, I don’t think that’s possible. I’ll “settle” for $29,000. That seems well within my reach.
I should have one good debt repayment month before things slow down and my paychecks are smaller. Here’s to a good December!
How was your November? Is it ridiculously cold where you live?