Happy New Year! I know, I still owe you an explanation as to where I have been and what I have been doing in terms of my debt repayment. One of my new strategies for combating procrastination is to break up a task into smaller chunks. So here is this small chunk.

January 2020 Student Loan Balance(s): -$127,688.14

December 2019 Student Loan Balance(s): -$128,724.12

This is a difference of $1035.98 which is still less than the minimum payments as of December because interest still sucks but eh. It could be worse. It has been worse. Usually in these post I include my financial plans for the upcoming month but since I’m going to do that in my year end/upcoming year post, this will be it for now.