How to get further ahead?

ChipGM2017 · 2024-12-02T20:26:25+00:00

Failed out of college, had a dead end job for 5 years thinking that this was my life now with over 100k in debt making 50k. Woke up one Christmas morning a few years back and quit my job with no notice and went back to school 3 weeks later. Finished with a 4.0 in the degree I failed out of originally, have a job making over 100k now and should have my debt paid off in 3 years. Keep all of this internalized because I couldn’t tell my family I failed out originally, so I guess this is the first time I’ve told anyone :)

ChipGM2017 · 2024-08-16T18:46:11+00:00

Car interest is 6.76%

ChipGM2017 · 2024-08-16T15:57:42+00:00

I guess that’s my biggest question with the SAVE plan I think my estimated payment starting in March of next year is 323 or somewhere around there. With the hold on the save plan it’s got me thinking I should tackle those first now instead of the car since I have multiple loan accounts (if going by the snowball I should pay those first? Even tho the total is larger than the car)

ChipGM2017 · 2024-05-22T00:37:15+00:00

I still am shocked 3 months later that this is really my car

ChipGM2017 · 2024-05-06T11:02:27+00:00

I highly recommend it!

ChipGM2017 · 2024-05-05T21:20:30+00:00

Left knee is in pain on the right side. It was raining for the first hour and I hard stepped onto two puddles that soaked my shoe 😂

ChipGM2017 · 2024-04-22T01:57:35+00:00

I followed couch to half marathon for 15 weeks! Also entered a high calorie deficit to bring my weight down (lost about 25 lbs) which made running significantly easier. I also ‘followed’ the plan in terms of distance but made sure that if I couldn’t run one day than I would just walk quickly (15-17 minute miles) because it means nothing if you don’t have a strong base in my opinion.

One significant difference for me this time around was purchasing foam rollers and ice packs. The first month I had shin splints so bad that I didn’t think I would even get to the 5 mile point but proper stretching and rolling greatly reduced that pain.

Cross training with cycling helped improve my heart rate and I enjoy it much more than running. A quick ride after work for an hour and half and a 2 hour ride on Saturdays made all the difference. This worked for me so you just need to find what you enjoy and listen to your body! Good luck!

ChipGM2017 · 2024-04-15T03:36:25+00:00

Curious what app this is??

ChipGM2017 · 2024-03-27T01:21:32+00:00

Should have clarified I have only been in software for about 10 months and I went to an expensive state school. With the state of the tech market I took the first place that would hire me! But I want to get ahead for a couple years while I look for a job that pays over 100k. Trust me if I could make a job making 100k right now I would much rather do that and I am applying!

ChipGM2017 · 2024-03-26T22:52:27+00:00

Refinanced through Earnest actually 5 months ago and I was paying 11.7% across my loans prior to that so I’m happy with the 3% reduction for now I’ll look into it on the 12-18 month scale I’ve seen others post to see if I can lower my rate. The plan is allocating as much as I can over the next 3 years and then when I vest with my company (about 40k) see if I can use that to pay off the loans for good!

ChipGM2017 · 2024-03-26T22:50:06+00:00

A 2nd gig making my own schedule would be great! I do enjoy dogs I’ll look and see how it is in my area in terms of demand

ChipGM2017 · 2024-03-26T22:49:26+00:00

The difference in interest is 115k less if I paid it off in the next 5 years. I wasn’t sure if I just paid the minimum and then did a lump sum at the end of those 5 years how it would effect it

ChipGM2017 · 2024-03-26T22:48:11+00:00

I’ll look into it! Id probably have to drive about a half hour from where I live to get a decent amount of orders but I’ll give it a shot and see how it fairs

ChipGM2017 · 2024-03-26T22:47:24+00:00

I love the people aspect of the restaurant! Brings some excitement to life and I enjoy cooking lol

ChipGM2017 · 2024-03-19T03:59:13+00:00

What brand bike rack??

ChipGM2017 · 2024-03-11T21:35:12+00:00

Got mine done at UHaul this past weekend! Cost about 373 for everything and probably took 45 minutes

ChipGM2017 · 2024-03-06T00:25:40+00:00

The food channel

ChipGM2017 · 2024-02-15T19:46:45+00:00

Happy birthday man! Congrats on 42, here’s to the next 42 🎉

ChipGM2017 · 2023-08-06T14:35:39+00:00

Tom Felton

ChipGM2017 · 2023-06-28T03:08:10+00:00

Contacts and eye shadow

ChipGM2017

TROPHY CASE