AS's student loan hit, with $136 going to principal.
Also, we got a call from Sallie Mae about NT's loan a couple days ago. I logged on and saw that we'd missed a payment in August and had one due for September too! I hadn't even been checking his account because he's in school until mid-December and they shouldn't have come due. I quickly paid both (a little over $100 total) and will take it out of the money I've been hoarding for getting out of the condo. Then I called Sallie Mae and it turns out they'd been waiting to hear from the college to confirm enrollment but payments had started up anyway. They've put a hold on future payments pending confirmation from the college.
So long story short, I paid off some interest that had accrued plus $25 on NT's student loan. Annoying that we had to make a payment now, but I'm always happy to reduce debt!
All told, that's $161 put to principal. That takes us to $1581, exceeding the $1500 goal for September. I'll post an October goal soon.
- One of my favorite co-workers, probably in her 40s, is dying. Stage 4 lung cancer. She just found out a couple months ago but probably won't last many more days. She started chemo and planned to keep working, but it was progressing way too fast, so she's in hospice now. Healthy woman, full of energy, smart-alecky and hardworking. Two tween-aged kids and a husband and parents. This will be the second unbelievably vibrant woman I know this year to die of cancer. It is awful. Especially knowing there's no hope of her survival at all.
- Beyond aching for her and her family, the suddenness of it makes me evaluate whether I've got a good balance of delaying gratification while allowing some. I think I am. We allowed a big gratification -- moving into our new house -- in exchange for delaying a lot of little things. If luck continues to go our way, we'll be able to start introducing those little pleasures early next year. Doesn't seem like that long, except when I think that if my co-worker had found out about her cancer today, she'd likely have died by early next year. But it does make me glad we moved into the house. Couldn't imagine putting all that effort, money and mental anguish into buying the place and never getting to live there.
How to live your life to its fullest while keeping mind that you have anywhere from three months to 60 years left? That's the financial balancing act. Those who don't have that many wishes that take money are lucky. A good deal of the things I want to do, have or see will cost me money. But it's not all that. Some of what I want to do is just not work as hard and spend more time with family and friends. That doesn't take money, really, just good money management and work/life balance. And we're all actively trying to achieve that. It's gotten a bit better for me and AS; NT is still stretched way too thin, but if he can hang on through mid-December, he'll at least get college off his plate, and that's a biggie. And hopefully his new managerial role at work will eventually mean more delegating and less long hours, but only time will tell with that one.
OK, sorry, I had to write about that. I know it wasn't too cheerful. It's been weighing on me and when I heard about her going into hospice yesterday, I had to get it off my chest.
- AS now has enough freelance work to fund November and part of December. She's got some potential work that will finish off December if it pans out. If she funds through January, I'm going to start allocating future jobs toward 2014 taxes and AS's retirement, which have both been neglected since the end of August. After that I would start socking away money to get out of the condo.
- No word from the people interested in the condo, so we're going ahead with getting the rest of the floors redone. Should be about $800, which I've already got set aside.
- We got through our third and final set of visitors (just Friday through Saturday). My sister and two of her kids (adults, really). My sister generously paid for all meals out, so we just paid for carshares to/from airport, a haircut for my niece, an ice cream cone for my nephew and a few other little things. Came to about $75 which we all helped pay in. A cheap visit! I have no money until Friday, but that's quite all right.
- I have my final(?) dental appointment for my implant this week. I hope no adults in my household lose teeth for a very long time! It's been nearly a year-long process and would have cost about $5000 if I hadn't used pretax money and credit card rewards to offset it.
- Living in deliberate frugality again, I've noticed the same reactions as the first time we did it, when we started our debt-payoff journey. I'm not ashamed at all to say I have no money for a new winter wardrobe, that we can only get new furniture if it's free, that we have no money to eat out, that I'm not going to replace my sneakers with holes in the heel until they actually become uncomfortable, that we've cut our haircut visits in half, etc. I feel good about these decisions because they're helping us to carry two mortgages and move into our big new house. Some people seem to react positively, but others kind of get quiet and look embarrassed or sad. I just think it's funny now, because I know I'm working toward a place where I can easily afford those things again, and I'm not feeling deprived by putting off these purchases. In fact I feel smart, free and empowered by these decisions. It's not like we don't have some money in the bank and tons of available credit on cards; I just don't want to use any of those things until we're in a better position with our debt and monthly budget. If we absolutely need something, there are ways to pay for it.
September goal reached and general brain dump
AS's student loan hit, with $136 going to principal.