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Thursday Ramblings and Some Goal Changes

July 26th, 2007 at 07:08 am

Yesterday was a no spend day. I worked 7am to 9pm with a hour lunch, earning 5.5 hours of overtime. I was invited out after work, but I declined because I didnt want to spend money. Plus I wanted to go to bed early. So I came home, made food for today & went to bed. I was back up at 5:45 am (which is a feat, since I am NOT a morning person & my normal work shift is 11am to 8pm).

Today Im working 7am to 8pm & then Im heading to a friends house for dinner & movie night. I offered to bring stuff, but she refused, so today may be a no spend day too. Well see. I hate coming over empty handed.

Im making some changes in my current goals. The plan was to replenish my emergency fund after it was hit with the hot water heater & air conditioning problems. However, I have $5,000.00 in my ING account earmarked to pay back a first time home-buyer incentive loan at 0% due in Sept/Oct of 2009. Ive decided that Im comfortable with having this as a back-up e-fund. So what I am going to do is put all my extra funds directly to student loan # 1. Im really motivated to pay it off quickly, because its in my parents names. If for any reason, I have to touch my emergency fund. I will immediately stop paying down the loan & work on rebuilding the e-fund.

Im getting paid on Tuesday. I have very little overtime in this check, but Ill be putting 194.55 towards the student loan. Next pay period (August 15th), Im hoping to have over 40 hours of overtime to put towards the loan. I REALLY want to get this paid off! If anyone has any comments about my plan, please let me know. Ive thought this through in terms of my comfort levels, but Id like to hear other opinions as well.

1 Responses to “Thursday Ramblings and Some Goal Changes”

  1. boomeyers Says:

    It is just great that you have a plan of action, no matter how you decide to acheive it!

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