Well, it’s payment day. Yay.
I’m not as excited about this one because it’s not what I planned. I’m working A LOT right now, and I thought I’d get to make a big payment this month. Due to a glitch, I’m not getting paid when I thought I would. It looks like this month, I can only make a small payment. But, in July, I should make a BIG GIGANTIC HUMONGOUS OUTRAGEOUS payment. This month, though, not so much.
What’s terrible is not the small payment, it’s the funk that it sent me into. I was really down for a couple of days because my payment schedule didn’t go the way I wanted. I was bratty and mad. Like, stomp my feet and pout and eat too much sugar bratty and mad. And that’s crazy, because I’m still making a decent payment.
But, it also made me aware of how much I have invested in this debt payoff. I might want to focus a bit more on other projects, just so a little disappointment in this one doesn’t turn me into a brat. It’s important for me to remember that my financial life is just ONE AREA of my life. There are other things that deserve my attention, too.
I’ll be working on that.
Anyway, today I put $825 toward the loan. Here’s the breakdown:
Last Payment from a Contract Job – $800
This is the job I’m thinking about letting go. It starts up again in late August, so I need to make a decision soon. My fear is that this job will distract me from working on some projects that I care about deeply, but that do not have an guaranteed payday, or payoff, for that matter. I’m trying to figure out if it’s worth it to pay less attention to those projects and keep this gig for one more cycle. I could stash the money. I could throw it at the loans. The money would make a difference, no doubt. But, so might the relief of not putting so much of my time toward this particular gig.
Temporary Side Gig – $25
I actually got paid a decent amount from this gig. It’s all online and I’ve been working four-hour shifts almost every day. It’s been time-consuming, but I’m happy for the extra dough. I’m using some of it to buy that bicycle. I have been spending WAY TOO MUCH TIME sitting on my butt in front of the computer. It’s summer, and I want to have some fun. I had coffee with a new friend recently who told me that riding along the bike path here is “pretty magical.” I could use some magic in my life right now.
And that’s it. I probably could have made a bigger payment, but I’m sitting on some money – some for the bicycle and some just because it’s summer. I have been spending pretty recklessly lately. I’ve been having brunch and getting coffee. It’s time for a spending freeze. And then a big payment in July.
Oh, and the $825 payment brings the balance to $23,000.