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Payment, taxes, rambling

March 11th, 2016 at 06:40 pm

The student loan payment went through, bringing the new balance on the high interest loan to $7767.98. Looking back, when I started this blog in May the total was $13,671.78. I would have liked to see this closer to the $5000s, but the rational part of my brain knows that continuing Roth contributions instead of throwing every extra penny at debt repayment makes more sense in the long-term.

Filed federal and state taxes today. The amount of loan interest paid this year bumped up my refund, so hey, silver lining!

Other frugal things: Used a 10% off coupon code for the online tax prep website (which is only $13 to start with, including filing state and federal), drank free coffee this morning at work and ate breakfast and lunch at home (half-day). Yesterday I hit snooze too many times and didn't bring a lunch, but had a delicious spicy noodle bowl from the convenience store for $1.69 and tea from my teabag stash. The weather is beautiful today, so I have the windows open airing out the apartment and expect great improvement in the electricity bill! I'm also drying some laundry on the drying rack. Finally, I ordered a year's supply of contacts, which is more upfront but carries the lowest cost per lens. This was out-of-pocket because my vision plan only pays toward contacts OR glasses each year, and my current glasses need to be replaced. I tried to remember the last time and realized it was before freshman year of college! I almost never wear them, but feel like I should have an emergency pair that I'd feel safe driving with if necessary. Now that I have a current prescription, I'll need to shop around for the best deal on frames.

4 Responses to “Payment, taxes, rambling”

  1. PatientSaver Says:

    Have you considered refinancing your loan? Is it federal or a private loan? If it's federal, i would just leave it be and pay as you've been doing.

  2. VS_ozgirl Says:

    You've still made great progress on your loan, you should be proud Smile

  3. rob62521 Says:

    You are learning great ways to cut costs. Bravo!

  4. greenleaf Says:

    Hi PatientSaver- my loan is federal, and I'm currently on the income-based repayment program, so refinancing at this point isn't a good option for me

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