Miss Heartcore's Blog Entry

I have minimum payments of $250 a month in student loans if that helps at all. I went to a private university and took some loans out to cover the difference of what I didn't get in scholarships. I just made a detailed budget when I graduated (mostly because I love Excel, but also it really helps). I have 3 loans and I paid one off pretty quickly while doing just over minimums on the other two. Now with only two remaining, I try and come as close to doubling each payment as possible. The more you can chip away at the principal the better! I have had some unexpected car expenses that were pretty annoying, but I just try and stay disciplined with my long-term goals in mind. Do I really need to get a new phone this month? Do I really need to go out both nights of the weekend? Do I need to go out to lunch so often? Maybe instead of going shopping and out on the weekend, I will do one or the other. These are some of the things I have asked myself when budgeting. Luckily, I am friends with some teachers, so they are always down to stay in on the weekend and drink/hangout on the cheap haha. Money can get frustrating; especially student loans. So many things you would rather spend that money on. But at the same time, you, myself, and others in similar positions are still young and things tend to work themselves out. I know for myself, these types of issues are some of the things currently motivating me in my career.

This is actually really helpful, thank you. I could have had probably $10,000 saved over the years if I was more careful with my money, but I spend what I make usually because I like to enjoy the finer things. However, it's getting time to buckle down. I'm just sad that this money I'm putting aside won't be really for my savings but for something that happened so long ago.

The student loan payments are the ones I am least stoked about for sure. I am with you on enjoying the finer things as well haha. When payday hits and I know the the paycheck has been direct deposited, I start thinking about music I want or a shopping session. I just try and fight the urge and think a little more level. It's tough and not very exciting, but saving and spending smart quickly shows results. Even something small like buying my new winter coat this month instead of "in season". We have had a mild winter, my Northface was super discounted trying to get it off the shelf! I still treat myself every now and then, though.

I do simple things for drinks such as instead of getting medium priced bottles of wines because I can technically "afford" it, I find great wines that are cheaper (most places usually have someone pretty knowledgeable or will let you taste). For liquor, instead of top shelf I get something below that. If I am buying a well drink at a bar, I just ask for the bottom shelf stuff because it is getting mixed with stuff anyway. No shame and I kind of still have the college outlook on bars anyways. Every now and then I splurge and get something nice for myself. Saving and shopping smart have been big things for myself the past year and half or so. In the past I was a little more laissez-faire with my spending, so I totally sympathize with that.

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