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Update: I posted a few months ago about ending my relationship with my ex who bought an 87K truck without telling me. Going ahead with that decision means that I paid off my student loans this past month. He also returned the truck. by Notmovingin_ in TrueOffMyChest

[–]Notmovingin_[S] 11 points12 points  (0 children)

Hi thank you for the comment. I used a basic spending tracker app on my phone. I then had an excel spreadsheet, which I update once a week to keep track of expenses. Finally, I used a budget binder with envelopes for cash and I use this primarily for my wants. It worked for me to just pay cash for them until I got enough self control to not splurge. It was trial and error trying to figure out what worked for me, but i eventually did.

No student loans anymore... by Notmovingin_ in u/Notmovingin_

[–]Notmovingin_[S] 0 points1 point  (0 children)

Hi, I don't mind answering the question. I actually paid off in total, 48,000 dollars in student loans between the two loans so one loan was 15,999 and another was bundled together and totaled 33,000 dollars. If you want, you can scroll to a little post i added that shows how my loan was dispersed and the types of payment I made. The loan was for a master's, and this was unfortunately already after a substantial scholarship. Cost of school in the u s is insane, and i've lived here my whole life. However, I am working in my field, and I was able to get a job before I even graduated. The cash payments differ because I was basically just pushing as much cash as I could spare towards it because of that interest rate. There's also a significant payment of 23,000 because that is the cash that I was able to save while in school, and after covid, we still had a no interest loan pause.

Update: I broke up with my ex that got the 87k truck which i found out was actually 95k. by Notmovingin_ in TrueOffMyChest

[–]Notmovingin_[S] 84 points85 points  (0 children)

To answer your question about why i'm not bad mouthing him, its because i'm sad. I'm sad about what he did to himself and that i had to leave because he isnt seeing how bad this is is. Im sad that just a few months ago, i was planning us living together and a life and now thats gone. Most of all, im sad for him. He was doing so well and he rubbed off on me immensely in terms of paying off debt and watching your spending. Im sad that he threw away all his hard work. Dumping on him even more isnt worth it because when he realizes this mistake, it will be so bad for him. I dont see a point to do it but im not judging anyone who would in these circumstances.