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More debt progress

September 3rd, 2013 at 03:21 pm

... and the U.S. mortgage payment hit the account today, with $448 going to principal. That takes us to $755 down, $1065 to go on the debt goal.

I went to see what I need to still pay on NT's tuition, expecting about $1200. I was pleasantly surprised to see we only owe $964! I compared this fall with last fall's charges to see the difference, and the tuition is a couple hundred less this year. Either tuition went down or NT is taking fewer credits (I'm guessing the latter). The point is, $250 more than I expected can go toward student loan debt!

I can afford to do either the student loan payment or the tuition payment now, and the other will have to wait until we get paid on the 15th. Since the student loan charges interest and the tuition payment isn't due yet, I'll do the debt payment first. That will hopefully post in a couple days. I haven't paid extra to this particular loan in a long time, so I can't remember how fast the payments post.

Today is my last day off; daycare was closed from last Wednesday to today. [EDIT: Daycare called; they're open! So I dropped the kids off a bit late and now have an unexpectedly free day.] We had a very fun, full long weekend with a kid-friendly activity every day. Wednesday we went to the wading pool and playground in the nearby park; Thursday the State Fair; Friday AA went to the library with NT while AS and I took SL to the sculpture garden; Saturday was the Renaissance Festival; Sunday we went to another park; and yesterday we went for ice cream and a walk around a lake. Today I'm home alone with the kids, so just taking it as easy as possible. I have a doctor's appointment downtown, so I'll drop the kids off for a visit to NT's office, then maybe take them to visit my office if they're still in a good mood.

The weather is suddenly crisp and cool today; it feels appropriate for back to school season. It is supposed to warm up in a couple days, but it's the first fall-feeling day so far. The summer went so fast! Luckily we have lots to look forward to.

Moneywise, I'm looking forward to AS's raise, which should take effect in her next paycheck, and our lower mortgage payment (which should also come with a higher portion going to principal) that starts on Nov. 1.

Tons of fun social events in September and October, and then we barrel into the winter holidays. Then we'll have a vacation (trip to Boston) sometime in the spring. Also in the spring, if I've saved up enough money, we'll redecorate and update our bathroom. Also, next year should be NT's last year of school, if he manages to keep up the pace!

And, this is looking ahead quite a bit, so things could change, but the following year (2015) should be all about getting close to finishing our big-picture goals, including updating the kitchen near the end of the year or beginning of the next. We discussed this weekend that AS should start seriously looking for UK employment at the beginning of 2016. Hopefully we'll then have a clearer picture of our future: Will we stay in Minnesota or move permanently to England?

I know winter will be so hard (it always is in Minnesota), but there's still something about the fall that's exciting and energizing.

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