Tired, Sniffley, and Halfway

Ok, it’s been a crazy week.  I’m tired and sniffley and my head is pounding.  Why?  Lack of sleep caught up to me and a weekend with 12 year olds wore me out I guess.  And maybe the hotel and travel got me sick, who knows?  I just need a tissue every 15 minutes and I’m good to go.

After a down and back trip to Boston on Thursday (thanks to Mom for riding/driving along, and no thanks to Mother Nature – sheets of rain are not ideal for travelling 500 miles in a day), and 4 1/2 hours of sleep (would have been 5 1/2 but we were so focused on getting home we forgot to swing by and pick up Mom’s truck at her school where I had picked her up earlier that day – whoops! We got home and realized her truck wasn’t in the driveway – turned around and drove 20 min to go get it), I headed off to chaperone my cousin’s 6th grade class trip.

We had a weekend jam packed of touristy things to do from dusk to dawn for three days.  So much fun, but so exhausting!
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Came home on Monday to a rambunctious toddler and an annoyed boyfriend – just our luck that the one weekend I’m gone and don’t have cell service to communicate that the wood guy calls and has our load of wood (you know, for the wood stove in the house we don’t have yet) so he had to deal with all that without me.  Mom and Dad ordered wood last year and it came so late that some of it wasn’t dried yet.  So we wanted to make sure we didn’t get it too late this year – well, it’s here and Steve’s already cutting it up (best boyfriend ever) and that means a warm and cozy wood stove heated house this winter, yay!  Wood’s much cheaper than burning oil, so you can imagine this makes me very happy – you know, since we’ll have a nice big morgage to pay come this fall.

Speaking of the house, I’m halfway thru my 6 month saving period and I’ve saved 57% of the down payment…

house savings june 1

I have June, July, & August left to save up the rest – that’s $1417 each month.  Seems very doable since this is the savings breakdown for each of the past 3 months:

  • March $1800
  • April $1500
  • May $2450

I splurged on a new bathing suit for this summer (you know, since the 9 I already have aren’t enough), and I have a race to register for, but other than that (oh and some gifts for three birthday girls this month), it’s serious lock down on my wallet.  Essenials only!!  I was good in Montreal too, only spent $ on two drinks at dinner the last night we were there, oh and a souvenir for Mom and Dad.  I brought Avery back a plush Turtle from a carnival game we (my cousin, his friends, and I) played at La Ronde the last day of the trip, and Avery hasn’t parted with it.  He named it ‘Turdy’… yup, you read that right – bet you can’t say it without smiling, lol.  It’s green and goes everywhere with him.  He won’t leave his bed in the morning without it.

Crazy to think it’s already June!  Where did May go?!  These warm months always seem to zoom by while Jan-March felt like an eternity this year.  Hopefully with the house this winter it’ll be more bearable since I’ll have lots of projects to do inside.  So exciting!

Headed to get Avery and play outside tonight – maybe some soccer, bike riding, and check out the strawberry patch.

Happy Thursday – it’s almost the weekend!!!

❤ Meghan

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Money, Mother’s Day, and More!

I can’t lie, I am getting sooo excited for buying this house!  Probably because I drive by it twice a day and mostly because I got to visit and take measurements last weekend!
house selfie
Yep, I spent a couple hours one night with a tape measure and my laptop drawing out the first floor.  This way I can play around with furniture layouts before we even move in – so exciting!

On the financial side of things, I’m one month into saving for the down payment, and things are looking good…

April Goal Thermometer

I have saved 31% of my goal, and there are still 5 months to go! (I did start off with a nice chunk on day one of saving, so don’t expect another 31% jump next month!)  Just keeping expenses to a minimum, and saving every bit I have leftover every week seems to be working.  That plus I FINALLY got my VT tax return back.  It took weeks and it was complicated because I had to file in VT and Mass, since I lived there part of last year – but thankfully it’s all sorted out, I got my $ back, AND I don’t have to do it again next year! (Why?! Because I’m a Vermonter, and as much as my manager wants me to move back to Mass, I’m staying put!)

So, what’s been happening on the homefront?  I have a little catching up to do… two weekends ago, we had a busy shopping day, getting our weekly fix of groceries – Costco, then Hannafords.  I know, who choses to take their kid shopping with them – usually they have to.  But not me, I for one LOVE to get out of the house, since I work at home all week, and the weekends are my time with Avery so, he comes along and he has so much fun.

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He was a big helper, going around finding things on our list.  And he LOVES to put items on the belt when we check out.
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And if he behaves well and helps out, he gets doggy bones.  Yeah, the woman in line in front of us gave us a pretty odd look when he asked if he could have his doggy bones now.  Doggy bones are a candy in the little quarter machines when you leave the store.  They are one of his favorites, so it’s a nice treat and incentive for a hard morning’s work of shopping.

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And as if that wasn’t enough work for a three year old… he helped me clean all three vehicles that afternoon.IMG_6266

We found out last summer how much Avery loved playing with the hose, so when I asked him if he wanted to help wash the cars, he jumped with joy, litterally!  And man was it a feat cleaning the vehicles – mine hadn’t gotten a thourough clean since last fall.  I did a quick vaccum a month or so ago, but finally it’s really clean.  All those stale cheerios and missing toys are no more.  I even found my missing set of car keys!  I had sucked up a dinosaur with the shop vac on accident, opened the cover and there was the little orange guy, and also my spare key!  I didn’t even know it was in there. Whew – good catch!

So, when we’re not outside soaking up the rays (it was in the 70s and 80s here for almost 2 weeks straight), I’m inside baking up something new.  I started in the winter when I made blueberry muffins for Steve, and since then, I make a batch of something once a week.  This past week was cupcakes.IMG_6327

I sent those four to my gram and gramps.  The rest Dad and Steve got.  And thanks to my Nana, I have a bunch of new (new to me, they are from really old cooking books) recipes to try out.

Ok, now we’re caught up to last weekend.  On Friday night, Steve and I had a picnic dinner on the tailgate of his truck on the lake.
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The view was much better than our mediocre chinese food.  And Saturday morning it was nice and windy so, we flew kites…IMG_6359

That little green spec is Avery.  He’s flying our forever old send in your kool aid points kite.   He did pretty well, running to get it up, letting the line out, until he let go a few times and got it caught in a tree.IMG_6360

Steve was kind enough to climb the tree and get it down – all for the price of looking like he had a fight with a very mad cat 🙂
For Mother’s Day,  Avery made me a card and a gift at school and one at home.IMG_6378

Yeah, whatever you do, don’t tell this kid a secret.  We hid flowers for Mimi at Uncle Johns (I bought them on Tuesday, so we wouldn’t have a limited selection come the weekend when everyone was out buying flowers), but apparently Avery spilled the beans.  No biggie, we get hanging flower baskets for Mom every year, so she knew they were coming.

We spent the morning and early afternoon with Nana and Papa on their screened-in porch.  Avery had fun with the men, throwing rocks in the water and walking around outside.  He even sat on the porch with Papa for a while.IMG_6379

We shared some pictures and videos of Avery and he showed his math skills on the ipad.  Oh and we had a yummy lunch – I wasn’t hungry for dinner 6 hours later.IMG_6380

Then we were off to Gram and Gramps where Avery and MiMi got caught in the rain outside!  We played Go Fish with Grandma and saw some family too.IMG_6381

Oh, what are some other random misc things going on?  Oh, Mimi and Grampy celebrated their 30th Wedding Anniversary.  I made them a treat on the day, but they went out and celebrated with friends the weekend before.  IMG_6312This just means it’s getting closer to my 30th birthday… eeek!

Oh, and with all this nice weather, I put away winter clothes and got out summer clothes (yay for dresses and skirts again!!)  But that also meant going thru Avery’s clothes and putting away things he has outgrown.  I filled a box.IMG_6286

Thankfully, at his last birthday and the holidays, he was gifted lots of bigger clothes, perfect for this summer.  Oh and Mimi bought a few new outfits for him too – shorts and t-shirts perfect for playing outside in.IMG_6287

We got a little rain this week, but the weather is finally staying warm and we’re playing outside every day.  Avery scored a free blow up beach ball at the Pharmacy yesterday when we bought new sunscreen for him at school, and the nice lady gave it to him for free.  Score!  It’s perfect to kick around the front yard.  Little guy is all tuckered out and in bed now… I will soon be in there too.  I forgot how much the sun makes me tired, oh that and running 🙂

❤ Meghan

Dreams and Dollars

This month started a new chapter – Since I finished paying off my student loans last month (Yay!), the next step to buying a house is saving for a down payment.

Houses, don’t come cheap, well in VT they are much cheaper than in Boston, but they are still cost a pretty penny.  Luckily, my Uncle is looking to sell, so we can cut out needing a realtor (usually costs 6% of purchase price), so we are getting quite a deal. Plus, being down the road (8 houses away) from my parents will convenient!

So, before I go into all the boring $ details… here’s what all this hard work the past couple years (and the next 6 months) is going towards…

DreamHouse

This is adorable little cape is what we’ll soon call home.  Little is an understatement.  It’s 2,960 square feet (that’s almost 5 times the size of our old apartment in Boston), 4 bedrooms, 3 bathrooms, + FROG (finished room over garage) Room, oh and a wood stove!!! … and the basement is a finished 1 bedroom, 1 bathroom apartment, with it’s own laundry in addition to the laundry on the second floor.  Yeah. CRAZY! Crazy to think this could be ours!!!

It does give some serious motivation – so back to business…

The goal is to save as much $ as possible before this fall (Sept/Oct-ish) when Uncle John will be ready to move into his new apartment and sell the house, plus it’ll be nice for all of us to get moved before the cold weather comes.  The bigger the down payment, the smaller the mortgage – so more money saved is best.  This gives me 6 months to pinch pennies and come up with as much $ as I can – seeing as I’ve been pinching pennies for almost 3 years now, I know the drill.

So essentially all the $ I put towards loans every month in the past, is now going into savings.  Simple plan, right?  Well, no plan is complete without an excel spreadsheet!!! (So organized it’s annoying, right?)

Spreadsheet Saving for House

Thankfully, this one is much less complex than the one for paying off my student loans – I made a budget, listed my income, my expenses, and the difference is what I should be saving every month.  I divided that number by 4 or 5 (the number of pay days that month) and that’s how much $ I should be able to put into savings every week. ‘Should Be’ is the key in that statement, because we’re almost thru April and I’m already finding I have more unexpected expenses than planned, thus I haven’t saved as much as hoped.  I’ll have to up my ‘misc spending’ category next month.

Anyways, I’ll spare you the detailed, yet boring, excel sheet and keep track with this:

Savings Thermometer Goal

As of April 1st,  I had $1800 saved.  The goal is $10,000.  Why that number?  Because I know it’s attainable, and I’ll probably be able to save a little more than that (hence the higher numbers on the spreadsheet), but unexpected things come up, so aiming for $10K won’t kill me, but will def. make me work hard for it. Plus, it’ll mean about 7-8% down on the house, which will give us a manageable mortgage (you should see the spreadsheet for those numbers… on second thought, maybe not… then you’ll really think I’m crazy)

I’ll be back soon with a May 1st update, since this one is so very late.  Crazy to think May is almost here and we’ve already been back in VT for a year.  Even crazier… we’ll be HOME soon.  Been such a long long road… this is the home stretch.

❤ Meghan

FINISHED!!!

Eh, you know, just another typical Tuesday…

NAVIENT (previously Sallie Mae)

student loans paid off navient

VSAC
student loans paid off vsac

Yep, read um and weap (heck, I practically cried)…

 All of my student loans are PAID OFF!

That’s right, $42,000 in 30 months.  Finally Finished! And six months ahead of my goal date too!

I know, I know, I just posted two weeks ago about being on the home stretch and my plan to pay off my loans by the end of this month.  I blew my plan from my last update out of the water and knocked them off in a couple weeks, thanks to diligently putting $500 a week towards loans the past 3 weeks, and a nice big bonus check (bigger than expected).  Yay!

So, let’s take one last look at the numbers…

30 Month Progress

  • Starting Debt: $41,868.53 (Nov  ’12)
  • Debt Today: $0
  • Total Debt Paid Off: $41,868.53

And my pretty graph is finally finished and man, does it look good to see that blue line hit the bottom!

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Blue: remaining student loan debt Red: goal

I am putting my giant spreadsheet to rest…

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Crazy to think I paid off so much debt, in so little time!  Well, it seems like a short time now that it’s over.  In the midst of it, there were times I felt like I was treading water, or like I was barely making a dent some months.  But as they say, good things come to those who wait work their butts off!  Months of working 6 days a week, nights of working 4 hours after Avery was asleep, coupon cutting, DIY’ing, and watching every penny I spent – all paid off!

It was sooo worth it, too.  Because now I get to start on my next financial project…. saving for a house!  This challenge won’t be as long, because Uncle John and I talked about buying his place this coming fall, so maybe 6 months?  I’ll share soon.

So, all my loans were officially paid off on Friday, so before I buckled down again, we had a fun weekend celebrating….

Friday Night, Avery and I went to my cousin Joseph’s Irish Heritage Celebration to raise money for their 6th grade class trip to Montreal this spring (I’m chaperoning!).  I made festive cookies for the bake sale; IMG_5598

Sugar cookies with green food coloring, dipped in chocolate with green sprinkles!IMG_5599

We arrived a little early and played in the car.  Avery was very excited!IMG_5601

Avery had dinner I packed him in the car, so when we got there, he bought one of the cookies I brought.IMG_5602

Nana and Papa were there, so we sat with them and Aunt Sheri joined us.  I bought two tickets for this awesome raffle they are having.  For $20 each, we entered into the drawing for a trip for two to Ireland!

There was live music and irish dancers, and Avery had fun clapping after every song and sitting with Joseph in the front row.IMG_5605

Papa and I had some yummy stew and potato soup while Avery had a hot dog, and we finished off the night with cupcakes!IMG_5608

On Saturday, I treated Avery, Mimi, and Grampy to GoKart Racing, Bumper Cars, and Video games at this new place near us.  We goofed off in the car…IMG_5610IMG_5611IMG_5612

Avery rode with Grampy in the go karts, and Avery was big enough to drive the bumper cars by himself!  He thought the spinning around was the best!  We played air hockey, and racing video games, and walked out with a bag of popcorn.IMG_5615

Avery walked in and out saying ‘This is awesome’  ‘This is cool!’  So I think it was a success!

That night, Steve and I celebrated with homemade fried pickles, a bottle of champagne and a bottle of wine… our second two bottle night ever, haha.IMG_5617

And now it’s time to buckle down again and SAVE!

Oh, and happy St. Patrick’s Day!  Avery wore EVERYTHING Green today and Mom and I are wearing our shamrock earrings 🙂

❤ Meghan

The Home Stretch

Not only am I refreshed, back from a week vacation on the other side of the states where there was no snow and lots of sun (pictures and recap coming soon!), but I am also especially chipper today because I am…….. wait for it……… less than $5,000 away from paying off my student loans.  Can you say, “Happy Tuesday?!”

28 Month Progress

  • Starting Debt: $41,868.53 (Nov  ’12)
  • Debt Today: $4,976.94
  • Total Debt Paid Off: $36,891.59

Yeah, that looks more like it.  Last month was a total flop because my snail mail payments took forever to process, so it all rolled over into this month – and a good month it was!!!

February Review

  • Starting Balance: $10,347.06
  • End Balance:  $4,976.94
  • Payments Made: $5,390.35
  • Interest Paid: $18.71
  • Principle Paid: $5,371.64

I chopped my debt in half this past month by paying off two loans and taking a chunk out of the next one on my list, which catches me up to my plan set out months ago to get these paid off in May.  How’d I get all the $ this past month?  Well, like I said, those two payments to pay off loans were caught up in the mail, then my usual $1800 a month, plus a few hundred more because we had overtime offered at work and I snagged it up, working late (8pm-12am) after Avery was in bed a couple nights a week for two weeks.  Sooo paid off!

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However, we have a little change in plans (It’s a good one, so no worries!).  Correction, a BIG CHANGE: My bonus from work (yearly bonus based on company/personal performance) from last year is coming this month and is almost double what I anticipated (because we did awesome this past year), so I updated my plan to a weekly schedule:

Loan Pay Off Plan

  • January February: Pay Off Loan C 
  • February: Pay Off Loan B
  • March: Pay Off Loan A ($2403)
    • -$500 3/3 (from usual paycheck)
    • -$500 3/11 (from usual paycheck)
    • -$1403 3/18 (from work bonus)
    • PAID OFF BY 3/20
  • April March: Pay Off Loan 1-04 ($1470)
    • -$1470 3/18 (from work bonus)
    • PAID OFF BY 3/20
  • May March: Pay off Loan 1-03 ($1103)
    • -$900 3/18 (from work bonus)
    • -$203 3/25 (from usual paycheck)
    • PAID OFF BY 3/27

Yep, if all goes as planned (since I’m making the payments online and no snail mail anymore to slow it down), I’ll have paid off my student loans completely by the end of this month.  Months earlier than anticipated from my target date of my 30th birthday, set out over 2 years ago.  So as pretty as this chart has been looking… that blue line will hit the bottom in a matter of weeks!

CaptureRed = goal, Blue = loans remaining to be paid

So, since I’m soooo close to being DONE, I’ll be documenting my last couple weeks very closely, so expect a long report in a month… and if it wasn’t so cold out, I’d have a bon fire to burn all my student loan papers.  Either way, I’m sure there will be lots of celebrating going on… JUST ONE MONTH TO GO!!!

Then it’s on to my next adventure… saving $ for our very own House!!!  Since I’m smashing this goal, maybe I’ll set my new goal to be in our new house by my 30th birthday??? 😉  I can dream….

❤ Meghan

Check out my About Meghan page for more posts on finances and paying off my student loans.

This post brought to you by jet lag from a fantastic vacation – I couldn’t fall asleep last night, so I wrote this up… more pics to come soon!

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May or Bust!

Okay, January was a total let down.  I underestimated the powers of VSAC and made absolutely NO progress last month in the race to pay off these student loans. Dissapointed?  Yeah, me too.  I’ll explain.  First, the lame numbers…

27 Month Progress

  • Starting Debt: $41,868.53 (Nov  ’12)
  • Debt Today: $10,347.06
  • Total Debt Paid Off: $31,521.47

If you look back to last month’s numbers, you’ll see I barely made a dent.

January Review

  • Starting Balance: $10,408.41
  • End Balance:  $10,347.06
  • Payments Made: $90.35
  • Interest Paid: $29.15
  • Principle Paid: $61.20

I know… seriously sad, sad, sad numbers.  And it looks even worse when put on the graph…

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Red = goal, Blue = loans remaining to be paid

Of the past 2-1/2 years, this is my worst month to date.  Not good timing, seeing as I’m only 5 months away from my goal date!  So why did I fall off the wagon?  Well, this month, the goal was to pay off the next loan on my list, a mere $1800 one too.  Well, this is the first of the VSAC loans I’ve paid off, and it isn’t setup the same as Sallie Mae (now Navient) online.  When I paid off other loans with Sallie Mae (all those pretty crossed off ones), I could pay them online (I make all my payments for everything online) thru their website and it asks you which loan you’d like the extra payment to go towards.  Easy peasy.

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VSAC on the other hand, just allows you to pick an amount to pay, and they dispurse it among the loans.  So, I wrote up a letter and a check, explaining which loan I’d like the $ to go towards. Being conscious about what $ I had in the bank, I didn’t send the check until later in the month, guaranteeing the $ would be in there within a day or two, when the letter would probably arrive at VSAC.  And I only made the minimum payments on loans in January, thinking I was using all my money to pay off this loan.  Hence, the itty bitty numbers this month, boo! Three weeks later (today), the payment finally cleared on their website.

In the meantime, I filed my taxes.  I was hoping for at least $3k, and getting the refund by March, and that’s how I planned to pay off the big $4k loan I have coming up on the list.  Luckily for me, my federal refund came quickly(the biggest of the three – yes, three.  Since I worked in Mass & VT this year, I had to file with both states… we won’t get into that mess tho!).  So, even before that first check cleared, I sent another $2k check to pay off the ‘February loan.’ So, technically, I’m not behind at all.  Just held up a little bit.  Oh and since I sent that check a week ago, it sure as heck better clear before March!

Loan Pay Off Plan

  • January February: Pay Off Loan C (payment cleared today!)
  • February: Pay Off Loan B (payment sent last week)
  • March: Pay Off Loan A (Work Bonus & State Tax returns & usual $1800/mo)
  • April: Pay Off Loan 1-04 (usual $1800/mo)
  • May: Pay off Loan 1-03 (usual $1800/mo)

So, although January was a dud, it’s only mid February and I’ve already sent out the check for paying off the loans for this month, which catches me up to my goal of paying off one loan a month til May.  Now, I just save up until I have the whopping $4k for March’s big loan pay off. I can usually save up to $1800 a month, plus I have my work bonus and state tax returns coming to me, so shouldn’t be a problem at all!

I’m way to optimistic for such a lame report.. 😛 I bet if I keep $ tight, I might get those two last pesky ones paid off before the end of May!  I am soooo ready for these loans to be gone, so I can start hoarding money away for a down payment… house, here we come!!  Hopefully in 7-8 months, I’ll be blogging from my very own office!!!  It’s sooo close now that i’m getting antsy to pay these off so you can imagine how frustrating this past month was for me, urgh!

I’ll be back in 2-3 weeks with a MUCH better update, and hopefully better reviews of VSAC’s payment processing… geesh!

❤ Meghan

Check out my About Meghan page for more posts on finances and paying off my student loans.

P.S. This blog post, on a Sunday, was brought to you by stickers, scissors, and markers – Avery kept quite occupied while I typed this up.  Oh and we had to resort to the iPad for the last portion because Avery tried working on Mommy’s computer while she went potty, so he had to use his computer for a little while too.  Now we’re off to go shoot Nerf guns at SOLO cups… woohoo!

6 Loans in 6 Months

… and now that December is over, it’s become 5 loans in 5 months.  That’s right, I paid off a loan this month!  (insert happy dance – not to be confused with the potty dance)  Capture

This means I’m right on track to pay one loan off each coming month for 5 more months… then they are GONE!  Just over 2 years of scrimping and saving and look at the progress I’ve made:

27 Month Progress

  • Starting Debt: $41,868.53 (Nov  ’12)
  • Debt Today: $10,408.41
  • Total Debt Paid Off: $31,460.12

I have just over 10 grand left… and you may be thinking I’m crazy, expecting to pay off that much in just 5 months… but the plan I made last month, is working, so I’m gonna stick with it.

studentloanpayoffdec2014

Red = goal, Blue = loans remaining to be paid

My original big picture plan was to pay off the highest interest loans first, and of those, pay off the bigger ones.  So, we’re finally getting down to the smaller interest loans (all those pesky 6+% ones are GONE) and I’m not paying oober amounts of $ just on interest now.  Now it’s down to $30 a month, compared to $190 when I first started this.

November Review

  • Starting Balance: $11,917.63
  • End Balance:  $10,408.41
  • Payments Made: $1,538.92
  • Interest Paid: $30.60
  • Principle Paid: $1,508.32

So…. in December, I paid the minimums to all other loans, and paid off Loan 1-01.  I didn’t put my usual $1800/mo into loans, because of Christmas and an upcoming vacation, but I was able to pay the loan off and now I’m just saving up until I can pay the next one off in January.

Loan Pay Off Plan
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  • December: Pay Off Loan 1-01 (usual $1800/mo)
  • January: Pay Off Loan C (usual $1800/mo)
  • February: Pay Off Loan B (usual $1800/mo)
  • March: Pay Off Loan A (Work Bonus & Tax return & usual $1800/mo)
  • April: Pay Off Loan 1-04 (usual $1800/mo)
  • May: Pay off Loan 1-03 (usual $1800/mo)

Oh and side note, Sallie Mae changed their company name to Navient.  Very annoying (mostly because I was looking forward to saying goodbye to Sallie Mae when all this was done), but luckily their website and everything stayed the same so it’s caused no hiccups with me actually paying the loans off, but still… would have really liked to end my relationship with Sallie Mae before she ended it with me!

And for those of you who have been asking about the mystery house I mentioned last month, my great Uncle John (my Dad’s uncle) who lives just down the road (maybe 2/10ths of a mile) offered to sell me his house, without a Realtor so it would be a great deal, and although the house is super big (4 bedrooms, 3 bathrooms, 2 car garage, bonus room over garage, and full 1 bedroom apartment in the basement on 1.2 acres),  it really makes sense for the future plans Avery and I have in store.  My uncle doesn’t have a deadline when to sell, so we’re working together on a time frame that works for him finding a new place (he’s downsizing) and me getting the downpayment ready – looks like this coming  fall – Octoberish.

Buying a house in my hometown, just down the road from my parents, on a dead end street… kinda perfect.  This would be a forever home too… Avery and I will FINALLY be able to set down roots, and never move again!

And you know me, I already have a budget laid out, to make sure the house is affordable, and after these pesky loans are gone, I have a plan to save for the down payment already in motion.

So much in store for the year to come…Happy New Year’s Eve!

❤ Meghan

Check out my About Meghan page for more posts on finances and paying off my student loans.