… But to be honest, quarentine has been really easy for me. I’m most likely going to pass my classes, and I’m saving money on all those McDonald’s iced coffees I’m not buying because I haven’t left my house in like 6 weeks.
I’m also, through some crazy good fortune, paying down my debt like crazy. I had leftover financial aid money that went towards paying off all my micro loans. That was about $800.
Then I got the COVID stimulus check, and applied it plus $288 towards paying off an old high-interest credit card in full. So there was $2300 in debt paid off.
And later this week, I’m getting $700 from my school via a CARES grant, which will pay off one half of my bank loan and the other half I can pay off in August. When that’s done, that’s $3000 paid off.
I’m really fortunate to be in a position where I can use the money to better my situation long-term and not need it for immediate bills or living expenses. And of course I’m really, really hoping that the Tangerine Shitgibbon decides to grant us all further aid, because I have about another $4600 in debt I would love to pay off. If I didn’t have any debt to make payments on every month, my living expenses would be about $650 including bills, rent, groceries, and gasoline. I could actually go to the dentist.
So yeah. I’m hoping Trump does the right thing and helps people a little more. And I hope I can knock out the rest of my debt in about year or so. In the meantime though, I’ll be passing the time studying and doing homework and watching too much TV.
This week has been pretty good so far. I know it’s only Tuesday night, but I mean, that’s almost halfway through.
Monday morning I took a much needed shower, and then fixed Rafael’s TV which he claimed for broken for 4 days. It was not broken; he just changed the input source and didn’t know it. A five second fix. Easy peasey!
I was running late by then so I missed lecture and got out of lab early. Then I went to the barber shop and got my hair cut. I feel 100% more human, and way less muppet.
I popped by a few thrift shops but no one had anything I wanted. Then I took myself to lunch at Applebee’s. It’s not fancy but I just wanted to have a nicer, sit-down meal, even if it was by myself. Then I went home.
Last week I had picked up 3 Bolivian Ram cichlids and 6 panda cories. Almost immediately, I lost one of the cories and all three of the rams thanks to fungus that came with the female rams. Ugh. The remaining five cories are doing well though and I’ve finished treating the tank for the fungal outbreak.
I had an unexpected windfall and was able to pay off a good chunk of my debt, so now my account with Dell is paid in full, and all but $200 of my debt with Affirm is also paid off. And I put a large chunk into savings too.
Today I did the dishes, picked up some trash, and cleaned up after the dogs. I also changed the water in all three aquariums. My algae scraper arrived today and it works pretty well on the curved glass of the bowfront tank. I also had more fungal medication delivered so I have it on hand, just in case.
I made up a batch of Repashy for the goldies, which they actually ate this time. I have a new sponge filter and air pump on the way, and I made an offer on a 40 gallon tank and stand that I’ll be picking up at the end of the month. I have no idea where I’m going to put it.
I also bought a fiddle leaf fig and a philodendron brasil. Because plants!
Right now I’m ripping DVDs to digital and watching some TV before I go to bed. Tomorrow I have lecture, and then I can head home and do whatever. Maybe I’ll remember to make a note of which colors of embroidery floss I still need.
I’ve found a few deals lately that my status as a student or my status as a disabled person allow me to take advantage of.
Amazon Prime can be had for $6.56 a month instead of the usual $12.99 if you’re on Medicare.
Alternately, Prime can be had for students for 6 months free (but with limited benefits) and at 50% off after that.
If you’re a language learner, there’s a student discount for Duolingo that takes it from $10 a month to I think $4 and change. I’m waiting for my subscription to run out so I can resubscribe with my student email. This deal can only be accessed on the full desktop version of their website.
SiriusXM also offers their Premier package for $4.00 a month to students to listen to on various devices. I found this by chance when I was looking up pricing for my mom in her truck.
Being so fucking broke you can’t just buy toothpaste. I am so close to paying off the smallest chunk of my debt, which is great, but then I need to borrow to buy things like toothpaste, tampons, other personal items.
So stupid that this shit is so expensive. Thankfully next month I should have quite a bit more wiggle room in my budget if I just pay minimums on everything.
I was planning to pay something off in full next month but I don’t think that’s going to happen with Christmas sliding in soon. I can’t believe it’s already freaking November! The middle of November even. Where did this year go?
I’ve got my mom covered for Christmas, but I have no idea what to buy anyone else. I did see a cute little item Tracy would enjoy that’s inexpensive, but beyond that? And I don’t have time to make things this year at all with school taking up most of my time.
Sometimes I really hate the winter holidays…
Eta… The reason things are so right this month is because I had multiple extra expenses. My phone needed to be replaced, and that was an extra $45 and there’s the fee for the craft event I’m doing in a few weeks at another $30. I know $75 might not be a lot for some of you but for me it really is a lot.
I did sell a few things and am awaiting the deposits for them which will help but that won’t come in until next week.
First off, this is a thing that’s close. Close to being paid off.
This is my smallest bit of debt and it’s going to be paid off in 7 months. That’s late this winter. I’m super excited about this because once it’s paid off, that’s $80 a month more I am put towards things I need, and what’s leftover can go towards an extra bit on my next smallest debt.
This is the next smallest bit.
It should take me about a year to pay that off after the first balance is cleared if I throw an extra $30 a month at it.
My remaining debts are larger but in a year and a half they’ll have shrink quite a bit and I can start making better progress on them.
In a way it’s going to be kind of a mixed blessing with how busy I’ll be with school over the next couple years. I’m going to be tired, busy, and probably won’t be doing much extracurricular shopping. I only have room for so many houseplants! Lol
The other thing I wanted to talk about being close to is the new semester. It starts on the 19th and I’m kind of freaking out. I have a super heavy course load and while I think I set myself up as well as I could for success, it’s still going to be a lot to learn in a fairly short time.
The history class in taking only runs half the term, and I’m hoping I already know a lot of the Spanish that will be taught first semester.
But the biology and math are going to be very challenging.
One day at a time though. Baby steps.
Months ago, I took out a couple microloans with Affirm. No big deal except I’m bad with using credit in any form responsibly, and even though they don’t charge late fees, they’ve made it really hard to get rid of them.
They won’t allow me close my account or put a block on taking out new loans, until all my existing ones are paid in full. And because I live check to check, it’s hard to make the payments and still squeeze by. I understand this was my bad planning but it’s frustrating.
Right now my credit is taking a ding because I’m snowballing the loans. Paying off the smallest and on up. This means the other loans are delinquent until I get to them, but it also means they won’t let me open new ones, so it’s kind of a win.
So tonight was the annual Holidays in the Homestead at the Antelope Valley Indian Museum. I’ve participated as a vendor I think 4 years in a row now, including one year when I was the only vendor who showed up. That was an interesting but pretty profitable night .. Lol.
Tonight there a a good turnout with 5 vendors and a pretty good turnout of guests. I was really apprehensive about the stock I was bringing because I was going to be focused on things that were new to me and steering away from jewelry. Turns out that was a good move because 80% of the other vendors’ offerings were jewelry.
I took several small finished cross stitch designs (3 sold), stuffed toys (I sold 2 or 3 I can’t remember), crocheted flower hair clips (sold 4 pair), cotton face scrubbies (sold 4 or 5 I think), Halloween magnets (I sold most of the bats), $1 bracelets (sold 2), and shockingly I sold 2 of my 3 paintings. I didn’t sell any earrings.
The stuffed toys I sold pretty cheaply because I’m running out of room to store them. I let the paintings go inexpensively as well simply because they were quick and inexpensive to make.
I ended up making $85 over the cost of my table, so it was a pretty successful night and fun too.
There were a few people who wanted things for less then it costs to make them but most people were pretty decent about the prices.
Afterwards, I put my cash in at the ATM and grabbed a bite to eat When I got home I paid off a small bill and Monday I’ll see about replacing one of my tires. My mom has informed me she won’t accept any repayment of what I owe her until I get at least one new tire… Lol.
I had the weirdest dream. I was at a huge 3 story mall and I had returned something and got $26 back. A $20, a $5, and a $1.
I was walking the mall, and this guy in bad drag picked my pocket and kept pretending to give me back my money but it was all obvious fakes. $3 bills and stuff.
Somehow I knew he was really a fish and I got him to change back to his fish form so I put him in a baggie and took him to the mall cops. He was a danio. But he died in the bag before it was my turn (I had to wait in line until they called my number) and they could make him give my money back.
The mall cop gave me $26 after writing up so crazy report that the pet store overcharged me by that much and a refund was owed, and then I got in my car and drove home.