Monday, April 23, 2012

Student Loans

I am just gonna say it. I owe the government $20,471.78. That is the cost of my education, plus 25,00 in grants I thankfully don't have to pay back.

I am actually looking forward to paying them off. While I am sure there will be months that I make a minimum payment, overall, I hope to pay them off in 4-5years. The interest rates vary 3.40% to 6.80% and balances of $1,000 to $4,607.95!

I am struggling with how to attack the loans.  Do I pay down the largest balance first even though it doesn't have the highest interest rate or pay the interest rate though its on the low end of the balance spectrum? Hmm? I have a lot of number crunching to get through. Maybe I should knock of the first grand just so I have a confidence booster.

Saturday, April 21, 2012

It's funny because it's true

For the last 13 weeks of school I have been doing something that makes me cry at the thought of a Saturday. What could possibly make a college student drop tears at the thought of another Saturday morning rolling around you ask? I'll tell you. It is a Saturday morning class that lasts until 3pm. Yes, my friends, I am the fool who signed up for the class.

But today marked the last *class I have to sit through. Next weekend when I get up and make my way half an hour up the interstate to the campus it will be to turn in my final and play my part in the moot court. THEN I'M DONE!

And once I am done I have big plans my friends. I am going to go camping at Falls Creek Falls. I am hosting a scotch tasting for my 27th Birthday. And, we will be celebrating our neighbor who is graduating with both his M.D. and PhD. How awesome! Even though all of that will be fun, I am most looking forward to not waking up early on a Saturday and going to class, or making sure my Friday night isn't too fun, cause there is no sleeping it off the next day :(

Monday, April 2, 2012

spring cleaning

I love spring! And since its April 2, I am already itching to get spring cleaning underway here in Nashville. I noticed across the blog-o-sphere that there is a month of assignments to challenge us to get the house clean in bite sized steps.

Assignment 1: 

Clean out your purse
Write down 5 goals for the week
set time for 15 minutes and pick up the house
find 7 items to get rid of today or donate


1. Mail letter to a friend in need of touching and thoughtful words.
2. Assemble the worm-composter.
3. Go for a walk.
4. Make bed every day.
5. Clean our purse.