Things I am Willing to Spend Money On // Bucket List

Saving money/getting out of debt isn't solely about being frugal and never having fun (although it can feel that way....a lot). For me, saving money is about eliminating unnecessary spending so I can save towards doing something I really, really, REALLY want to do. I want to make a list where I can keep track of things I want to motivate myself. Skipping a fancy $5 coffee is easy when you think of all the fun stuff that 5 bucks can go towards.

Things I am Willing to Spend Money On
1. Laser hair removal for my lower legs: I found a deal for $500!!
2. New iPhone: around $300
3. Fix my computer: DC jack repair is usually $100
4. Getting my passport: Total cost for fees and paperwork about $165
5. Laser eye surgery: my insurance should pay for some of it and I've seen deals for as cheap as $600 per eye


Bucket List
1. Travel to Canada: Boyfriend has found flights for as cheap as $350. First I have to get my passport (see #4 above)
2. Travel to Europe
3. Travel to East Coast w/ my boyfriend: we're in the middle of planning this trip, I want to save around $1000 to cover all the museums and restaurants I want to  visit.
4. Pay off my college debt
5. Own a home
6. Have/adopt/foster a couple of kids

After Bill Pay

Found this while online, isn't it terrifying? This is why I'm so aggressive when it comes to wiping out my debt.

What I have:
Checking: $225.05
Savings: $1800.64

What I owe:
Credit Card: $17.31**
Student Loan: 83,303.86

Like I said in a previous post instead of my usual $1000 chunk payment I went a little soft this time so I could catch up on bills. I'm still really excited because my next payment should knock me down to 82k which is so freaking exciting. I can't believe how much that I have paid off in just 6 months. I still get a little bummed when I think about how far I have to go and how many roadblocks that I might face but I just have to keep staying positive. The one thing that I do know is that I have more student debt than most people and that with all my hard work I will pay off my debt faster than most people even dream about <3

**I seriously paid off my entire credit card and then the auto payment went through for my gym membership.

Just a quickie...

Who just paid $2000 on their UT loan? This chick. Oh yeah, 2 more months and that sucker is done and then I can set my sites on destroying my Wells Fargo loan.

Wells Fargo is Mind Fucking Me

So after weeks of pure hell trying to deal with Wells Fargo it looks like I might finally get my loans consolidated. YAY, right? NOPE. It appears that Wells Fargo is the king of mind fucks. Seriously, I doubt anyone could touch the bull shit this bank has put me and my family through.

If you remember my original loan monthly payment was $821. My new monthly re payment is......* Drum roll*


Yep, $748.68!! A whooping saving of $72.32. After weeks of tears and stress and ulcers that kept me up at night it's all worth it because I saved less than a hundred-fucking-dollars. Don't worry it gets better.

As it turns out I have a special relationship with Wells Fargo. So special that I get a MASSIVE discount of 0.250%. All along I thought Wells Fargo was fucking me out of hate and spite but it's clear they're fucking up my life out of love.

I always thought I was good at math but after looking at this bank statement it's clear that I know nothing about numbers. I borrowed around $80,000 which is somehow $91,000 and then $91,000 equals $224,000. SUPER. I could have gotten a better deal with the mob. The original amount of $821 a month projected I end up paying around $147,000...how did consolidation make it worse????

I fucking hate this whole thing. I should have never gone back to school, the increase I get in pay with another degree will never equal what I will pay out in a life time. I feel like I will never escape this debt. It feels like a punishment, a life sentence of stress. I'd have an easier time trying to empty the ocean with a teaspoon. It's to the point I'm starting to think crazy thoughts, like, maybe I should do porn or nude photos. So glad I got a great education that can only be paid back through whore-dom. Also, throwing myself in front of a city bus or maybe black mailing a politician. Both equally appealing at this point in my life. Charging my boyfriend for sex? SEEMS REASONABLE. Rob a casino a la Oceans Eleven? TOTALLY DOABLE.

I'm emailing friends asking if they know about jobs, I'm picking up shifts at my old work, I'm trolling Craigslist like a fiend. I just want to live in world where re-paying my student loans doesn't mean killing myself with work or having to live the life of a pauper.

Since there's nothing I can do about this bullshit (at least at this point and time) I'm going to use the last hours of my day off to drown myself in a bottle of skunk wine and television. Also, eventually brownies. And yes, I did say skunk wine. I have to drink old skunk-y wine because I can't afford a $5 bottle of Yellow Tail.

p.s. please buy stuff from my Ebay. Please.

C.R.E.A.M.

So, I don't know if anyone remember my post from a few days ago. You know, the one where all my hopes and dreams came crashing down because Wells Fargo was high on drugs and actually thought that I could pay $800 a month on my student loans? Well, that problem is still hanging out all not fixed. What has happened so far is that I called and told them straight up that I just can't pay that. They agreed to work with me and said that the best strategy would be to consolidate the two loans that I have through them, extend the repayment time, and to get a loan co-signer. I really didn't want to ask my Mom to co-sign, she does so much for me and me getting another degree was about finally getting a good job and supporting myself and being an adult. Unfortunately I had to ask. She agreed and didn't mind because she is the best most supportive mother ever. She gave them all of her info and initially they turned her down, not because she has bad credit but because she has SO much in her name (house, multiple cars, my loans, etc). She told me that she got a little spicy with them on the phone. I've always been curious as to where I got my attitude from; my Mom is angelic and I can sometime (lots of times) be a mega bitch from the pits of Hell. After my Mom told me some of the things she said to the bank representatives over the phone I realized I inherited my Mom's spunky spirit. Which is awesome because if I inherited that maybe I've inherited more of her awesome traits.

Anyways......I'm still not sure where the loans stands. No matter what they're not getting $800 a month. Not because I'm mad and don't want to pay but because that's half of my pay. Literally. If I paid that much an entire paycheck would be going to them and I simply can't live that way. I've already budgeted out $300 a month and hopefully that can do for now until I can get promoted or earn some extra cash.

I've been thinking about ways to make extra dough and one is selling stuff on Ebay. So far it's going pretty well. I've sold 2 shirts and a CD set and I've made $75 bucks. Because I'm a new seller I don't have access to the full payment just yet but hopefully I can establish myself and sell more and have quicker access. I just placed an order for beautiful jewelry to re-sell and I'm hoping to start making extra cash soon. I only ordered 36 pieces because I want to see how this first batch goes but my ultimate goal is to make a couple hundred bucks a month. If I can sell each piece for $5 bucks then I've made $180.

Look at how gorgeous this stuff is!







I should get the stuff next week and I'll put it on Ebay right away. My plan is to hopefully have a good run during October, establish myself as a Gold seller or legitimate seller or whatever, and hopefully sell a ton of stuff for Christmas. I'm not looking to get rich I'm looking to make big payments on my evil student loans before they kill me and my credit.

Oh Happy Day

1. Tomorrow is pay day
2. I got all my insurance stuff in the mail so I can finally get a check up
3. Tonight is my friends birthday party

This is how I feel: