I’ve been blogging for six months now. While I’d normally be excited about this particular post, I’m feeling rather blah. This past month hasn’t been a good one. If you read my progress (if you can call it that) below, you’ll see why I’m not in a celebratory mood. Debbie Downer‘s all over this post.
Original Debt (beginning mid December 2012): $102,645
Current Debt (6 months later): $99,765
Well, this is kind of horrible. My debt has increased by $277 since last month, dropping me down to 2.8% of my goal from 3.07% last month.
Federal Student Loans
$56,543 $56,685 (up $142 since last month, an overall $785 increase over 6 months)
Private Student Loans
$39,145 $39,087 (down $58 since last month, an overall decrease of $1,631 in 6 months)
$ 6,696$6,581 (down $115 since last month, an overall decrease of $579 in the past 6 months)
$10,873$10,909 (up $36 since last month, $291 in 6 months)
$17,673$17,690 (up $17 since last month, $550 in 6 months)
$3,903$3,907 (up $4 since last month, $118 in 6 months)
Student loan interest is the most confusing and frustrating thing ever. Despite being months ahead on my private loan payments, most of them have increased since last month.
US Bank Credit Card
$2,828 $3,105 (up $277 since last month, down $1,545 in 6 months)
I used the US Bank CC to rent a car when my old POS broke down. I plan on throwing a couple hundred at this card next week and will hopefully get this one paid off quickly since the interest has kicked in.
BOA Credit Card
$972 $888 (down $84 since last month, $582 in 6 months)
I’m trying to stay positive knowing that I have several large upcoming payments due in the second half of the month, but this is just frustrating.
HEALTH, GOALS & OTHER CRAP
I had my cortisol tests yesterday and will not be surprised to hear if my levels are still high. I can’t help but be overly stressed out. I snap at the littlest things. It’s so frustrating.
I hate my voice. I basically sound like a muffled, nasally child. I can open my mouth only 10mm so my words often go unheard. Jaw immobility paired with soft palate issues make certain sounds difficult for me to annunciate. It’s especially frustrating over the phone. Talking for long periods causes my TMJ to act up. It’s depressing to find out there’s probably not much that can be done to fix any of these issues. It’s been like this for 18 years, so I guess I can continue to live with it. I see a doctor in July about soft palate issues, so I still have to remain hopeful. Maybe speech therapy would help?
Having a voice you’re confident in is important. It’s key to getting you hired. I disqualify myself for certain types of jobs because I’m not confident about my voice. I got an email early this week from HuffPost Live asking if I’d be interested in participating in a Google Hangout panel (via webcam) about the student loan interest debate. While I’m flattered to be considered knowledgeable on the subject, there’s that nagging (nasally, muffled) voice in my head saying you can’t do that…no one will understand you.
I haven’t really been trying to stick to any of my goals for this month. I’ve been too stressed and depressed.
Same with the budget, haven’t been keeping up with it very well.
Some days are semi-productive but then there’s 2-3 days where I’m just so tired and feel blah that nothing gets done. I did finally junk the old car, got $275 for it. I need to get to the DMV, two days ago. I haven’t been to the grocery store since the first week of June. We have been eating whatever crap we have in the cupboards and freezer and it’s mostly grains, wonderful for my gluten intolerance.
I need to find a way out of this funk.