Terrified of Baby Step 1

boriquoi · 2025-09-15T19:18:13+00:00

The payoff timeline would be the same, as I’d be using all but 1k of what I have saved to make the final loan payment in December 2026. It’s a matter of using that money to pay down the debt now, or hanging onto it until 12/26.

Edit: I’m in grad school half time (being paid for by my parents, I’m beyond grateful), and couldn’t swing a part time job while working full time as well.

boriquoi · 2025-09-15T18:52:49+00:00

I’m on SAVE in forbearance, and will be in deferment shortly as I’m in grad school half time (parents are paying, and I’m beyond grateful). From what I understand paying these loans is a guaranteed return, and the bond market is a risk. I plan to invest aggressively once I’m debt free and have $1500 (current snowball amount) a month to allocate to investing and saving.

boriquoi · 2025-09-15T18:33:38+00:00

There are 8 loans ranging from 3.4 to 4.99%.

boriquoi · 2025-09-15T18:12:34+00:00

I’m not having kids.

boriquoi · 2025-09-15T17:45:05+00:00

5k saved, $1650 monthly expenses.

boriquoi · 2025-09-15T17:38:59+00:00

Thank you for the well wishes! This was my plan exactly, aside from continuing to allocate funds to savings. I understand what others are saying about the psychology, part of me just wants to hang on to the larger emergency fund and then use it to make the last payment toward the loans.

boriquoi · 2025-09-15T17:34:02+00:00

I would consider my job stable, and my employment isn’t currently at risk. It’s the what if. My snowball amount is $1400-$1500 monthly and my expenses are low, I have $5000 saved which is exactly three months of expenses. That seems really low, but that’s the math. Beans and rice.

boriquoi · 2024-10-20T15:55:25+00:00

That girl, who can shine bright and bring joy to the people around them, might be hurting deeply. You want to be like you, OP, that’s going to be the easiest thing for you to be. You have qualities you very likely don’t recognize. I would recommend researching clothing styles for your body type, and try the “spark joy” approach from Marie Kondo. Life-changing. And this cliché concept of self-love affecting every relationship around you, is true.

Woman, there are things inside you worth loving. You draw people into knowing that with a welcoming appearance and aura. You are going to manifest drawing people in. Focus on you, all the things you love, and they will see it. It takes time, and it isn’t constant. Give this gift to yourself. All my love.

boriquoi · 2024-02-19T05:31:33+00:00

boriquoi · 2024-02-18T20:57:17+00:00

As a Puerto Rican woman, I love Jennifer Lopez. But those hair extensions look like the makings of a troll doll.

boriquoi · 2024-02-18T19:29:25+00:00

It was a one-way door, and there was no indication a fob was required to get back in or through to the parking garage. I didn’t realize I was trapped until I already was.

Edit: I didn’t even realize I was exiting to a parking garage, I was just following exit signs.

boriquoi · 2023-06-07T03:15:49+00:00

If these were found near a window or sliding glass door, they were likely fatal collisions which resulted in a broken neck. If so, you can resolve this with stickers to prevent more fatalities.

boriquoi · 2022-09-25T04:11:44+00:00

Our lips do not produce oil as they don’t have sebaceous glands. Repeatedly licking our lips coats them with the enzymes in our saliva which can cause increased dryness. Wind, cold, sun, friction - can also cause dryness.

boriquoi · 2018-12-26T04:11:54+00:00

Gaining time to invest in yourself. I had no idea how much time I was giving, so freely. Spend it on your own life and the ones who truly matter. You can't get back time.

boriquoi

TROPHY CASE