I needed this. I wasn’t supposed to reach this milestone this month but I needed this, so I made it happen.
“I made it happen,” is the TLDR version. In reality, this was made possible by the fact that I will be essentially working evenings/nights at a summer camp this month, which provides $500.00 in a “personal” stipend in addition to occasional meals. What this means is that I expect to spend far less on gas, meals, and miscellaneous spending, which in addition to being offset by the personal stipend, allowed me to steal a couple of bucks from my “food, dining, gas, and miscellaneous” budget line item. I also borrowed a few more bucks ($475.00 to be exact) from my sinking fund account. Given that I have a four-month emergency fund ($5,000.00), I figure I should be okay. Especially since the sinking fund still has a couple of hundred dollars in it.
I needed this because I am feeling a bit lost and frustrated and it is my hope that making it under the $70,000.00 mark will get me that debt repayment “high” and help me refocus and stop being reckless. I’ll let you know how that goes…
As always, thank you all for joining me on the journey. You don’t know it but you all serve as a mental check whenever I contemplate financial decisions. At some point, “What would (insert: C, Ellen, Avery, Eva, Paula, or any of the other Pennyfolk) think if I did this?” always crosses my mind. You all are appreciated.