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Focus

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With so many disparate goals for this year, some that focus on debt-reduction and others focused more on savings, I felt a bit like we’ve been playing a game of tug-o-war. We want so many different things and, like a child, we want them all NOW!!!

Ugh. Why does adulting have to be so difficult?

Screen Shot 2017-03-22 at 1.51.03 PM

 

Source – Someone, buy this for me! ; )

When we got hit smack in the face with our looming IRS debt, it forced me to take a step back and re-assess our plans for the year. Some changes I have already implemented (which will go into effect in April) include:

  • Reducing my retirement contributions. My university requires a minimum 7% contribution. I had been investing an additional 3% of my salary (for 10% total), but given our need to get some liquid cash for the IRS (and for debt payments, as well), I called HR and reduced my contributions down to the minimum 7% required.
  • Eliminating extra mortgage payments. Though we closed in November, it still feels like we just barely got here! When I set up our mortgage auto-payments, I set them to include an extra $300 to go directly toward principal. Our required payment was $950, but we’ve been paying $1250. I called the bank and removed our extra principal payment, reducing our auto-draft down to the minimum $950/month that’s required.
  • Practicing patience. I already talked about how my daughter lost her water bottle. Instead of immediately replacing it, I’ve made her start using my water bottle as her own. Unless her old one miraculously turns up (no idea where it is – it’s been lost for 3 weeks now), she won’t be getting a new water bottle until the start of next school year. In the past, I would’ve just immediately purchased a new one. But now I’m examining every purchase and really making an effort to practice patience anytime I’m thinking of buying something that we don’t immediately need.

All of these changes are in an effort to FOCUS on one thing at a time. Dave Ramsey talks about the power of focus (which, I believe, helped motivate the way he designed the Baby Steps so one “goal” is being focused on at a time).

We just have to get out of debt. It’s got to be done. This month marks completion of my third full year of being on this debt-reduction journey. There have been lots of highs and lows and this HUGE tax bill has definitely got me a little down. But, if anything, it’s just made me strengthen my resolve that we need to get out of debt ASAP!!! We had two years of hard-core debt reduction (no frills), one year where we loosened the purse strings a bit, and this year will be a mix. We do have some fun things planned (still doing our first ever Mom-and-Dad getaway sans kids this summer! Eeeeee!!!!!!), but I’m really realizing how much SOONER we can be out of debt if we return to our steadfast FOCUS on the goal at hand. It’s a tough thing going through this journey for SOOOOOOOOOO long. But that’s what the deal is. We started this journey with nearly $150,000 in debt and only making about $50,000/year! Obviously with those numbers it was going to take some time. Things have changed – our income has gone up and our debt has shrunk as we’ve been making huge payments. But it’s time for a renewed focus. I don’t want to be doing this for another three years. That’s too long. I want to try to cut that time in half. If we can be debt-free in a year and a half, I would be overjoyed! I can see the light at the end of a tunnel if we’re only talking about another year and a half!!!

Some of this is just rambling thoughts. I’d like to write up a whole “3 Years Reflections” post with thoughts and reflections on the entire debt-reduction process, to date. But in the meantime, I just wanted to jump on here and say “Hi!!! and let you know about some of the upcoming changes I’ve made in an effort to increase our monthly take-home pay so we have extra cash to throw at debt. It needs to happen. I can’t wait to kick our debt’s butt. Next debt on the chopping block is our medical debt. By this time next month, it will be 100% GONE and then we’ll be on to just the student loans. Can’t wait!!!

Hope you’re having a great month!


And we have moved!

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Day 1 of the rest of our lives is upon us.  We have finally made the move from our very high priced hometown to a very small town three states away.  The last two days during the move, I have woken up feeling so much hope just overflowing at what the future holds.  We will be living with my grandmother as we get the lay of the land before seeking housing of our own.

And I got a sign that we were going in the right direction during our 8 hour drive loaded down with the last our of our belongings. I got a call regarding a job, one small town away that I applied for 2 months ago!  Woot, woot!  Don’t know what will come of it, but it’s right up my alley and super close to our new town.

All of our stuff is in storage for $125 a month.  It’s in a container that we can have delivered to us for a few hundred dollars or go pick it up at no cost.  We are spending the weekend with friends in Atlanta as Gymnast will compete here for his last regular season meet with his old gym.

We will return to Virginia for one week in March for Gymnast to compete at states near DC.  We have free housing for the week and will knock out orthodontist appointments and so on that same week. He will train here locally for the next three weeks and then return to his team gym for the week before states.  We are so blessed with their flexibility and willingness to work with us.

So for the next three weeks we will be getting the lay of the land, seeking work (Sea Cadet and I at least) and trying to get the kids settled in.

Oh, and one more thing…I now have a “guaranteed” 25 hour a week job at the one I’ve been working for the past year.  So it’s not full time income, but it is steady and more than I’ve had consistently.  (Both my part time jobs have committed to keeping me on despite the move, so I continue to have regular income.)  Will do a budget and goals post in the next month or so as the dust settles from the move.

Things are looking up.  I am filled with HOPE for what this move could mean for us…lower cost of living, more work and who knows what else.


Financial Goals: 2017 & Beyond!!!

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For the past couple of years I’ve made our family’s financial goals public, sharing them with you all and tracking along throughout the year to see how we did (see 2015 goals here and 2016 goals here). We met our financial goals the past two years and hope this year will be no different.

2017 Financial Goals:

  • Pay $30,000 Toward Debt. This may seem like no big deal since we had this same goal last year and met it, no problem. But this year will be different because our salary is going to decrease a bit. Hubs is going back to school and mid-way through the year I’ll be leaving my part-time job. I’ve kept hinting that I have some news on the job front but I’m still not in a place where I’m able to share it. Probably within the next few weeks I’ll be able to elaborate on this. Overall, though, our salary will be down this year compared to last year.
  • Fully Fund A Roth IRA. Our first two years of debt payment were narrowly focused on debt payoff at the exclusion of all else. When I started my full-time job in August 2015, a 7% retirement contribution was required (and is matched by my employer). In the past year (we’re almost at the 3-year mark for our debt payoff journey), I’ve tried to add in a little extra balance. That means more of a focus on savings for retirement and on spending a little bit for fun (e.g., monthly date nights, kids’ activities, etc.). I’m still continuing to do my mandatory pre-tax retirement contributions (it goes into a 401(k) type thing, but the education equivalent…I think it’s a 401(c) or something??) I’ve also tried to separately put a little money into a Roth the past couple years, but we’ve only managed to do about $1,500 or $2,000ish each year. This year the goal is for us to have 1 fully funded Roth at the maximum allowance (I believe it’s still $5,500). In the future we’ll work toward having 2 fully funded Roths, but I think just having 1 will be a good goal for this year, as we still work diligently to reduce our debt.
  • Mom & Dad Getaway. This is still a very new and not fully fleshed out goal but one that has been floating around in my mind for quite awhile. For newer readers, hubs and I have twin 4.5 year old girls. One of our favorite (pre-baby) passions was to travel. We used to travel a LOT. In fact, that’s one of the reasons we have in our mind for why we want to be debt free: so we can have the freedom to travel! In February 2015 we set a goal to go on a cruise for my Mom’s 60th birthday and we did! We saved up for over a year and in April 2016, we went on a family cruise. It was a lot of fun and I’m glad we did it. But it kind of re-kindled this flame in my heart – this desire to travel with my husband! In the past nearly half-decade since we’ve had kids, we haven’t had a single overnight away from them. Not one. We love our kids, but I also think we’re now at the point that it would be healthy and good for us to have a little mini-getaway solo. It likely wouldn’t be for long (we’re thinking 4 days/3 nights) and it likely wouldn’t be extravagant (maybe drive out to San Diego since that’s only a few hours drive). So I’m sure it won’t be as costly as the cruise was. We don’t have defined or “set” plans in place, but we’ve talked to hubs’ mom about it and she’s volunteered to come out to Arizona and watch the girls for us so we wouldn’t have to be paying for childcare. I don’t know when this would be (maybe over summer; maybe not until fall), but it will happen sometime in 2017. It needs some work to make the goal more defined, but it’s a definitely goal we have for this year.

 

I know this is a get-out-of-debt blog, so some of the things I talk about (e.g., savings, spending) may be a little controversial. I am proud, overall, on how frugal we have been and how much we’ve been able to reduce our debt. I think ours is a success story. If we had less debt, we may have just been able to go gung-ho the whole time (we did for a solid 2 years!!!) and just eliminate the debt in its entirety. But with the amount of debt we’re grappling with, I didn’t think it was possible for us to be “gung ho” for a solid 5-6 years. I knew we would end up falling off the wagon. Therefore, we’ve purposely built our budget in a way where we can SUCCEED. That includes building in a little “wiggle room” for a monthly date night, weekly dance class for the kids, and having friends over for dinner every couple of months. These “life” things are important to us and we wouldn’t be able to make it through to the finish line if we didn’t allow them.

It’s been so encouraging to watch our debt shrink. We now owe $75,000 according to our most recent debt update. Here are our long-term goals:

2017: $30,000 toward debt payments

2018: $30,000 toward debt payments

2019: DEBT-FREE by the middle of the year!!!!

2019 still seems so far off! But then, we started this journey in 2014 and that feels like it was just yesterday! So I know 2019 will be here before we know it. We’re over half-way there!!! I hope you’ll continue to stick around while we’re on our journey. And I wish you luck on your journey as well.

 

What are your 2017 financial goals? Do you set annual goals for yourself and/or your family?


And we are on the move again…

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Hello BAD Community and Happy 2017!  I hope your holiday season was fantastic and you were able to spend some down time with friends or family.  The kids and I have enjoyed a sabbatical (for lack of a better word) here in Georgia with a quick 10 day trip to Texas.  It was the first time we’d seen most of my siblings (there are 5 of us) in over two years.

We had a very frugal Christmas and loved every minute of it!  I didn’t decorate, I didn’t cook and I felt no stress to meet anyone’s expectations.  It was very freeing!  The kids were ecstatic with their “gift card’s for lunch with mom” and a variety of other small things like the $0.46 shorts.

Now for the bad news…we are still in Georgia, well beyond our expected return date. And the reason is that we have no where to return too.  While we were in Texas, I received a text from our hosts of our Glamping Adventure and where we have lived since April, 2016.  It read and I quote: “Bad news…a line broke on the camper. We had to totally winterize it to protect the rest of the plumbing.”  Yea, just a few days before Christmas we became officially homeless.

They did assure me it wasn’t something we had done (we left on Dec. 7th and this text was received Dec. 19th.)  So instead of returning to VA right after the New Year as anticipated, I have been frantically, FRANTICALLY trying to find us housing.  My original plan was to remain in VA at our free housing until April  and then move everything to GA and make my Grandmother’s our home base if I still hadn’t secure enough work or a full time job to get housing for us.

That has now been modified.  I have been able to secure temporary housing beginning Thursday at a home that will go on the market in March.  They have offered us housing through March 1st at no charge.  It is fully furnished and recently remodeled.

The plan now is to:

  • Return to VA on Tuesday (delayed from Monday due to snow storm.)  We will stay in a hotel for two nights.
  • Move into temporary housing on Thursday with absolute minimum necessary.
  • Spend the next two weeks packing our stuff at the camper.

Now I have to decided whether to:

  • Leave our stuff where it is (at the camper) until mid-February when we must return to GA for a gymnastics meet.  We would then load a moving truck and put everything in storage here in GA; or
  • Get a POD or U-pack or something similar and load everything in to put into storage until we know where we will land next.

A quick pricing check puts these two options within a $100 of each other.  I am leaning to the POD type storage because I am not certain when we will have housing and I am not certain, although I hope, that we will end up in GA.  Any words of wisdom from the BAD Community?

In additional to frantically seeking housing, I have SPAMMED everyone in my network with a plea to share my LinkedIn profile with their network.  I had a first interview on Friday afternoon and made it to the next round, but I’m not confident. 


Ashley’s Year In Review (2016)

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It’s funny how almost universally across-the-board, people have complained about what a terrible year 2016 has been. Was 2016 good to you and your family? Or did you also have your share of bad luck and/or mishaps?

I think for our family it was a bit of a mixed bag. Overall, we did quite well on the financial front. No complaints there! But there were still some quite challenging parts of 2016.

Here’s a little trip down memory lane, complete with links to relevant posts should you be interested to go back and re-read some of the drama (or the triumphs) that I wrote about this year.

 

Dad Issues

In August 2015 my dad was diagnosed with frontoemporal degeneration (FTD). It’s a rare form of early-onset dementia (NOT Alzheimers) for which there is no treatment and no drugs available to slow it’s progression. 2016 has been a rough year in that regard (and, to keep it real, I suspect things will only continue to get worse and worse until his passing. Degenerative diseases such as this one never get “better”….only worse).

This year we moved Dad from his primary residence in Utah down to his secondary residence in Texas so he would be closer to family. I went to Utah and cleaned out his house over the summer and got it on the market. We were lucky to get a bidding war and the house sold immediately.

After some rough patches involving receiving calls from the police and a few-day detainment (against his will) at a mental health hospital, from which he was released with bruises and abrasions all over his body, our family had to make the difficult decision to move him yet again. He was moved to an independent living facility and his second home was put on the market. We are currently under contract for it (fingers crossed – the closing date is set for early January!!)

Unfortunately, things have continued to degrade even with his current living situation. He has recently had his car and keys taken away (he only got to keep them this long after passing a clinical driving evaluation last September, but his forgetfulness meant he kept forgetting where he was going mid-trip. At first we put a GPS on his car, but eventually we decided it was safest for him to be off the road). We’ve recently received another call from the police (the “emergencies” feel ever-present at this point) and to keep him from being detained in a mental health hospital yet again, we had to promise we would make a plan to get him moved to a locked memory care facility. While in Texas this December I’ve been touring and looking at several options. The goal is to find a high quality one and have him moved within the next couple months.

I know a lot of these issues are more personal in nature (rather than financial), but it’s been a BIG part of my life in 2016 and I plan to continue sharing tidbits here and there. I even wrote about how I started to go to therapy, in large part, due to the stresses associated with my dad’s situation. I think it has helped immensely.

The other thing that makes my “dad issues” relevant to this blog is that I am also responsible for handling all of my Dad’s finances. Thankfully, Dad had a decent asset-base accumulated before his diagnosis and retirement. It is my job to make sure his assets last the rest of his life (no small task when the cost of his care is roughly $5,000+/month!!!). Meeting with financial planners/advisors and forming a long-term financial plan with his assets is likely going to be a big part of 2017.

 

Work Issues

I started off the year trying to negotiate title and raise at my full-time job. Though I didn’t secure either at that time, I did negotiate to work over the summer, which meant an additional 3 months of salary (I called it a “raise” in this post, but it’s really just additional compensation for the additional WORK I was doing). It was a big deal from a financial perspective, though, because it was a substantial amount of extra money on top of my regular salary.

However, working over the summer also meant I had to secure some summer childcare. Finding high quality childcare at an affordable rate has been one of the most consistently challenging things about having children, in my opinion. I think this issue is probably a bit exacerbated for us given that we do not live by any family so we’re entirely alone in that regard. Fortunately, we were able to find a solution.

I continued to pour myself into work this year. This entire year I’ve worked two jobs:  one at my full-time place of employment (where I’m a benefited and salaried employee) and one at my part-time place of employment (where I’m a contracted employee who receives no benefits, but I get paid very well and have been teaching a full-time load worth of classes). I can’t say anything yet, but there will be some changes coming to this situation at some point in 2017. I’ve said all along that I couldn’t keep both jobs forever. It’s just not a sustainable situation to basically be working two full-time jobs. Changes are on the horizon and I will share more details when I am able. But as far as 2016 is concerned, I’m very pleased with how things worked. I was really able to use all of this additional income to hit our big financial goals. To break it down, we paid $31k toward debt, got $5k in an Emergency Fund, $10k for a down payment, and another $4k in miscellaneous household expenses. That’s $50,000 this year that was put either toward debt or savings. And this speaks nothing of the 10% of my full-time income that goes directly into retirement accounts (7% is mandatory and I do the other 3% voluntarily), or the money we put toward our kids’ 529 accounts, etc. Can I say it again? $50,000 toward debt and savings!!!!!! That never would have happened without my work situation this year. Never. I’m so thankful that we were able to put that money toward hitting our financial goals rather than see it wasted or to slip away into who-knows-what.

 

Financial Successes/Milestones

Our family, as with many others, was not immune to crises and sadness this year. I called summer 2016 the summer of death. Hubs’ maternal grandfather died. My maternal grandmother died. And our sweet dog of 11 years died. It was a tough time. But even though we had our fair share of “lows”, our biggest “highs” this year were all financial in nature.

One of the biggest, to me, was when we finally paid off the car, officially becoming consumer debt-free in January 2016. Even though it’s been nearly a year since then, I’m still riding that “high” as it was the sweetest, most freeing feeling thus far in our debt-reduction journey. That same month, we finally dipped down into 5-digits of debt (when we started blogging we had nearly $150,000 of debt, so getting down into the $90,000’s felt like a huge milestone in its own right). By May of 2016 we had officially reduced our debt by $50,000.

We were able to increase our annual income by picking up additional work and I did end up getting a small (3%) raise at my full-time job, all of which helped immensely with our financial goals. I was able to recently announce that we met (nay, exceeded) all 3 of our 2016 financial goals!!!

Aside from becoming consumer debt-free, the second biggest financial “win” this year was when we were finally able to purchase our first home!!! We put 20% down to avoid PMI and financed on a 15-year fixed at a 2.75% APR!! I still kind of can’t believe it!!! Playing around with a loan amortization spreadsheet, it looks like we could have the house paid off in as little as 7 years (with the remaining student loan debt paid off within another 2-3 years). I’m still playing around with our new 2017 budget and will likely write about it’s details in a forthcoming post sometime in January.

 

Frugal Lifestyle

The first two years of debt reduction were pretty hard-core restrictive. This past year we’ve loosened up the purse-strings a bit in an effort to try to have a bit more balance. We’ve gone on more regular date nights (sometimes monthly, sometimes every-other-month, but the goal has been to do one per month), and our BIG thing this year was when we saved up all cash for over a year to go on a cruise in April!! I wrote about our savings habits that allowed us to cruise (here & here) and our practical tips for cruising with kids (here).

Even with a few extra indulgences, we’ve still maintained a pretty frugal lifestyle on the whole. I wrote a few blog posts this year about different ways we tried to save money:  like changing our car insurance (here), making homemade lemonade for cheap (here), and limiting kid’s activities to one at a time (here). We also had did a whole slew of frugal kid crafts:

  • Homemade Valentine’s cards (here)
  • Homemade Mother’s Day cards (here)
  • Teacher Appreciation gifts (here)
  • Last Day of school gifts (here)
  • Teacher Christmas gifts (here)

I’ve found that kid crafts are totally the way to go for cheap gifts. The recipients tend to appreciate them more than cheap crap I might otherwise buy from Target, and it ends up costing us far less money. It warms my heart when we visit family back in Texas and see some of our kid crafts proudly displayed on the fridge or even in frames hung on the wall!!! So sweet!

 

Student Loan Drama

Even though we’ve been blessed in the financial realm this year, we’ve still had a couple of frustrating set-backs. For long-time readers, you’re probably sick of reading about all the student loan drama in my life (Navient is my loan service provider and they are truly the worst entity I’ve ever had the misfortune of dealing with in my life).

I wrote this year about the time when Navient switched my loan to being unsubsidized when it was bought from ACS (here ), as well as how they’ve charged me extra on my student loans (here ).

My plan was always to refinance my student loans away from Navient as soon as our mortgage loan went through, but then when I tried I experienced a set of frustrating set-backs in that regard, too (see here and here). A few of you have recommended getting a new credit card so I can continue doing balance transfers (the Citi Simplicity card was recommended by a couple of you because they have a low balance transfer initiation fee and 0% APR for 21 months). Is this the best one? Any other suggestions? I’m not keen on the idea of getting another credit card, but a loan consolidation would also have been a new “line of credit” so I suppose its basically equivalent (though psychologically it feels like a different thing). I haven’t decided what to do in that regard just yet, though I do hate Navient with a fiery passion and would LOVE nothing more than to rid them from my life!!!

 

Wrap Up

All-in-all, I cannot be mad at 2016. Every year has its own set of opportunities and challenges and this year was no different. Though our challenges were deeply personal (like the dad issues) and painful (like the multiple deaths), I think the good outweighed the bad on the whole. And I am so, so proud of all the financial WINS we had this year and how far we have come in the financial realm. I’m excited to start a new year and I hope and pray it will be a great one for my family and for yours!

Here’s to a happy and healthy 2017! Happy New Year!!!


We Bought A House!!!!!

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We did it!

After endless back-and-forth negotiations, a variety of snags and snafus, and having to change our closing date not once but TWICE, we are officially home owners! YAY!!!!!

 

KONICA MINOLTA DIGITAL CAMERA

Image source. Note – this is an image that came up in a search of “Arizona houses.” This is NOT our house. As I said before, I won’t be showing a picture of our actual house.

 

We actually closed about a week ago. It was nice because it was a couple days before our 6th wedding anniversary, so we joked that this year for our anniversary we bought ourselves a house! Lol! Go big or go home, right? : )

Shout out to our families who have been so helpful! My Mom helped us with a portion of our down payment and both of our moms have been here recently (first hubs’ mom came out, then my mom) so they have helped with packing, entertaining the girls, and getting everything ready for the move. Hubs has also done a ton. Funny story – this isn’t the first time that the bulk of moving duties have fallen to him. At least twice before I’ve been gone/out of town during moves. I have left with things in disarray and returned with everything moved into a new space! Ha! This time I wasn’t entirely absent (I haven’t gone out of town), but I’ve been pretty busy with work so hubs has definitely taken the lion’s share of packing and boxing and moving. He started with cleaning and moving pretty much immediately after closing but it didn’t become official (aka: we didn’t sleep in the new house) until this weekend. Now I can’t wait to get out the holiday decorations and go to town! : )

This is random but….does anyone remember this ancient blog post? The post (almost 2 years old at this point) was about the thought of having hubs get a vasectomy. GUESS WHAT’S HAPPENING TOMORROW, Y’ALL!!!!!!!!!! ((insert giant grin here))

Sorry, let me try to contain my excitement (hehehe!)

Poor hubs – he’s not so excited. What a way to be rewarded for all of his hard work in the past week! But I, on the other hand, could not be more thrilled!!! We’ve known that we are done having kids for awhile, but having the little snip-snip is the last thing to make it really super-duper official and I can’t wait! I’m taking off early tomorrow so I can drive him to the appointment, as he’s got a prescription sedative to help him relax and he’s not supposed to drive on it (for a man whose usually cool as a cucumber, he’s pretty anxious over the whole thing). Then back to business as usual.

I’m really looking forward to the end of the semester! I feel like such good things are on the horizon – new house, hubs starting back to school, a new year, etc. It just feels like a fresh start or a re-set of some sort. Not that this year has been bad (in fact, there’s been a lot of good), but I did call summer 2016 the summer of death and I’m excited to see what new adventures lie ahead for us as a family.

On the financial front – I may have lied. I said I was going to refinance my student loans THE SECOND that the house deal went through. But now that I’ve been thinking about it, I’m not so sure. I still have 9 months left of interest-forgiveness for my subsidized student loans (through IBR), so now I’m thinking I might only consolidate the unsubsidized loans and leave the subsidized ones for the time being so I can get all 9-months worth of interest-forgiveness before I throw them into the consolidation? However, I have issues with Navient every time I turn around, so I’d love to rid them from my life. In the end, I think I’ll do nothing this month. Over the winter break I’ll start my investigation into student loan consolidations/interest rates/etc. and probably make a more concrete decision before the end of the year (because that will greatly impact our financial goals for 2017).

Anywho, I gotta jump back into work! I hope your Mondays are off to a good start (look at me actually blogging on a Monday – pat on my back) ; )

Talk soon!

~A


Talking about debt

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This past weekend I took the girls to one of their friends’ birthday parties. I was hanging out chatting with the other moms when I mentioned my husband heading back to school and the crazy discount we receive ($25 per class!!!). It’s practically free!!

One of the mom’s lamented, “Must be nice, I still have 20 years left on my student loans!”

Another mom chimed in, “I just applied for public service student loan forgiveness so mine will eventually be forgiven.”

Another mom also nodded, mentioning how the interest payment, alone, is the same as her car payment.

And I said….nothing. It felt too odd to chime in that we’re actively working on aggressive student loan pay-down. Like it would be smug or elitist or something to suggest an alternative option. No one pays off their student loans early. Would I come across as conceited or like I’m talking down to them? What do I even say? “Well…just so you know, there ARE other options. I started with nearly $100,000 in student loan debt but I’m now down to about $70,000. If all goes well it should be gone in just a couple of years!!!” (Insert big smile here)

It just didn’t feel like it would go over that well. And I didn’t want to be “that person” making others feel bad or to come off like I was bragging or something.

What would you do? These are not close friends (my close friends & family are all very aware of our debt journey). These were random acquaintances. Parents of our kids’ friends. I would love to give them some hope that it IS possible to pay off even outrageous debt in less than the mandated loan length. I honestly think many people don’t even consider it an option. It’s never occurred to them that it’s possible to pay it off early.

If you were in a similar situation would you have spoken up?

I’m genuinely interested because I want to be a source of hope for others that it IS possible…but when I’m still in the trenches myself I can’t say “I’ve done it, you can too!” (because we still have a LONG way to go before we’re done!!!) Plus I really fear coming across as pretentious or condescending if I were to say something. Thoughts?


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