#student loan tracker

[seeminglyseph]

so I noticed one of my loans didn't take an automatic payment out my account this month, and I went to check, and I think I have finally, officially. like. A decade later. Finished paying off the art school scam I dropped out of.

so. that's like. I mean fuck it. That's one debt I'm not carrying anymore. For some reason I was still pretty sure it was couple thousand and hadn't bothered to look at it in a while 'cause it was too depressing.

now it's just the Credit I gotta worry about. somehow that seems more manageable without the student loans hanging nebulously above my head. Especially since I'd been thinking for a while now how I had to like... do some paperwork about it. But if they're paid then I don't gotta do paperwork about shit. and next month I don't gotta make a payment on them. *And* for now I don't gotta worry about the terrible Government of Canada web design which is truly a thing of nightmares. I need to run my virus software now, I feel like I went wading in a toxic waste dump without protection, since I had to shut everything down to get the fucking sites to actually load.

the fact that all my adblocker, malware and tracker protection software prevented the fucking Government of Canada websites from just... loading. probably says something about how well they know how to deal with internet security in the government of Canada.

#my life

[fungi-maestro]

My plan to fix student loan debt & discrimination is to give everyone a gun and a GPS tracker with every politician on it.

#seal.txt #current events #THIS IS NOT SERIOUS. THIS IS A JOKE. I WOULD NOT DO HARM ON ANOTHER PERSON.

[fiftytwotwentythree]

Wellness Wednesday:

Sittin', Waitin', Wishin'

Last week I made a proclamation that I was planning vacations - as well - for a long time now - I've been meaning to reward myself for maintaining my goals, weight, and exercise regimen, but it feels like I keep hitting road bumps financially.

Part of my overall Wellness Journey was to set myself up financially as well, but with life events, home remodeling, student loans payments coming back, car issues... I dont feel comfortable - by comfortable I mean I don't feel deserving of little social rewards such as going to the movies, traveling, or shopping because the toll on my bank account is increasingly detrimental.

I can't even imagine celebrating the holidays with gifts.

I have two more movies in mind that I have full intentions of seeing in the theatres - after that I'll probably call it for the year.

I will also need to plan further on how to budget my income towards groceries - start meal prepping - this one kind of blows because I already cut out take-out/dining-out, but most of my meals are individually packaged meals - quasi feels like I am losing my last bits of humanity and dignity... Effing First World Problems, amirite?

.

.

30th CHECK-IN:

Current Goals:

Lose 52 lbs

Completed as of 4/12/2023

New Goal: Maintain or Continue on The Weight Loss Path

Avoid "Junk Food"

Minimize Take-Out / Fast Food Consumption

Short Term:

Vegetarian-ish Diet: Completed

End Date: 4/09/2023 - 46 Days Total

.

.

Meal Tracker:

THURSDAY

Lunch:

Honey BBQ StarKist Tuna with Pepperjack Cheese on a Croissant

(1) Johnsonville Beef Brat on a Hawaiian Bun

(2) Scoops of Broccoli Cheddar Pasta Salad

Snack:

(1) Medium Bowl of Valley Top Popcorn

(2) Individual Bags of Sahale Snacks Pomegranate Vanilla Flavored Cashews Glazed Mix

Supper:

Thai Chili StarKist Tuna with Pepperjack Cheese on a Croissant

(2) Johnsonville Beef Brat on a Hawaiian Bun

(1) Glass of Rootbeer Flavored Milk

FRIDAY

Lunch:

Deli Style StarKist Tuna with Pepperjack Cheese on a Croissant

(2) Hotdogs on Hawaiian Buns

Snack:

Large Bowl of Smartfood's White Cheddar Popcorn

(1) Glass of Rootbeer Flavored Milk

Supper:

Large Plate of Kahiki Orange Chicken with InnovAsian Vegetable Rice

(1) Glass of Chocolate Milk

SATURDAY

Lunch:

Large Plate of Leftover Kahiki Orange Chicken with InnovAsian Vegetable Rice

(1) Glass of Chocolate Milk

Snack:

Large Bowl of Valley Top Popcorn

Serving of Blue Diamond Almonds

4oz Bag of Sahale Snacks Pomegranate Vanilla Flavored Cashews Glazed Mix

4oz Bag of Sahale Snacks Pomegranate Flavored Pistachios Glazed Mix

Supper:

(3) Seasoned NY Strip Steaks (1.84 Lbs Total)

(2) Glasses of Chocolate Milk

SUNDAY

Lunch:

American Style Pasta Salad with Chicken

Snack:

Serving of Blue Diamond Almonds

(2) Bags of Orville Redenbacher Ultimate Butter Popcorn

(2) Glasses of Chocolate Milk

Supper:

Spinach Dijon Salad

(2) Small Oranges

MONDAY

Lunch:

Santa Fe Style Salad with Chicken

Serving of Blue Diamond Almonds

Snack:

Bag of Orville Redenbacher Ultimate Butter Popcorn

(1) Glass of Chocolate Milk

Supper:

Chef Salad

(1) Small Orange

TUESDAY

Lunch:

Bowl of Cesaer Salad with Croutons

Snack:

Serving of Blue Diamond Almonds

Supper:

Bowl of Leftover Cesaer Salad with Croutons

(1) Small Orange

(1) Glass of Chocolate Milk

WEDNESDAY

Lunch:

Bowl of Leftover Cesaer Salad with Croutons

(2) Hotdogs on Hawaiian Buns

Snack:

Serving of Blue Diamond Almonds

4oz Bag of Sahale Snacks Pomegranate Vanilla Flavored Cashews Glazed Mix

4oz Bag of Sahale Snacks Pomegranate Flavored Pistachios Glazed Mix

Supper:

Crunchy Chicken Sandwich

- Swiss Cheese

- BuffaRanch Sauce

Crunchy Chicken Burrito

- Loaded Nacho Dip

(3) Pieces of Crispy Chicken Tenders

- Honey BBQ Sauce

- Ranch

(2) Glasses of Chocolate Milk

.

.

Workouts:

THURSDAY

(200) Jumping Jacks [4 sets of 50]

(100) Glute Bridges [4 sets of 25]

(100) Push-Ups [10 sets of 10]

(100) Assisted Push-Ups [2 sets of 50]

(50) Reverse Leg Lifts [5 sets of 10]

(50) Leg Kickbacks [5 sets of 10]

(100) Sit-Ups [5 Sets of 20]

FRIDAY

(200) Jumping Jacks [4 sets of 50]

(100) Glute Bridges [4 sets of 25]

(100) Push-Ups [10 sets of 10]

(100) Assisted Push-Ups [2 sets of 50]

(50) Reverse Leg Lifts [5 sets of 10]

(50) Leg Kickbacks [5 sets of 10]

(5 min) Planks [5 Sets of 1 min]

SATURDAY

(200) Jumping Jacks [4 sets of 50]

(100) Glute Bridges [4 sets of 25]

(100) Push-Ups [10 sets of 10]

(100) Assisted Push-Ups [2 sets of 50]

(50) Reverse Leg Lifts [5 sets of 10]

(50) Leg Kickbacks [5 sets of 10]

(100) Sit-Ups [5 Sets of 20]

SUNDAY

(200) Jumping Jacks [4 sets of 50]

(100) Glute Bridges [4 sets of 25]

(100) Push-Ups [10 sets of 10]

(100) Assisted Push-Ups [2 sets of 50]

(50) Reverse Leg Lifts [5 sets of 10]

(50) Leg Kickbacks [5 sets of 10]

(5 min) Planks [5 Sets of 1 min]

MONDAY

(200) Jumping Jacks [4 sets of 50]

(100) Glute Bridges [4 sets of 25]

(100) Push-Ups [10 sets of 10]

(100) Assisted Push-Ups [2 sets of 50]

(50) Reverse Leg Lifts [5 sets of 10]

(50) Leg Kickbacks [5 sets of 10]

(100) Sit-Ups [5 Sets of 20]

TUESDAY

(200) Jumping Jacks [4 sets of 50]

(100) Glute Bridges [4 sets of 25]

(100) Push-Ups [5 sets of 10]

(100) Assisted Push-Ups [2 set of 50]

(50) Reverse Leg Lifts [5 sets of 10]

(50) Leg Kickbacks [5 sets of 10]

(5 min) Planks [5 Sets of 1 min]

WEDNESDAY

(200) Jumping Jacks [4 sets of 50]

(100) Glute Bridges[4 sets of 25]

(100) Push-Ups [10 sets of 10]

(100) Assisted Push-Ups [2 Sets of 50]

(50) Reverse Leg Lifts [5 sets of 10]

(50) Leg Kickbacks [5 sets of 10]

(100) Sit-Ups [5 Sets of 20]

.

.

WEIGHT TRACKER:

Starting Weight (Noon, 1/01/2023): XXX.X lbs

Weight at Last Check-In, 7/19/2023: +0.2 lbs

Weight As of Noon, 7/26/2023: -0.4 lbs

Total Weight Loss: -78.4 lbs

.

.

Closing Thoughts:

The Good:

I've read some pretty good comics/trades recently. The small escape it provides me has been refreshing.

The Bad:

Stiff muscles all around.

The Ugly:

Increased apathy towards things like work, socializing, and general life.

#52 in 23

[heystephen]

i desperately need a min to vent scout i hope you dont mind

i work freelance and im not from the us but my main client is from there

im missing four paychecks now, all overdue (one is from freakin december!!), and with june ending, i sent in a new one to get paid. all of them together total $10k. ive been reaching out to the client for a while now (since the first one became overdue), who's been finding excuses on why they're overdue. i call it finding excuses because it's not my job to chase them for payments. i do my work, great work, deliver on deadlines and everything, haven't had a complaint. and then i get paid. the money im owed is enough to put a down payment on a mortgage loan for a penthouse apartment where im from. i have leeway for about the end of the year, god forbid anything bad happens. ive reverted to eating like a college student to try saving more which is almost impossible with the inflation rates here. the last time i got paid was half of an overdue paycheck from last july, which wasn't even enough to get through the month.

now, last time i heard from the client was the beginning of last month. i kept sending messages and emails these past few weeks and got no response or anything. i talked to others working with the same client and they also have overdue payments and haven't heard back. so i decided to install a mail tracker before reaching out one more time, just to be sure that my email is at least being delivered if nothing else. well i learned that it has been delivered, and not just that, but opened multiple times. but i hear nothing back. im on the verge of a breakdown, it's so maddening and devastating and i cant even cut the client because who knows when ill hear back then or even get paid and the job market im in is wonky atp. i cant even borrow money from friends and family because they're going to expect it back at some point but i dont even know when ill be able to pay anyone back in that situation. and this is my main source of income. i cant take them to court because im not from the us. all i can do is wait and hope. and it's killing me that ive done all this work with no compensation. not even the decency to hear back after i explained that i need the money to live, pay rent and bills and get food. i cant move back home and revert back to triggering flashbacks that are terrible for my mental health. the reason ive been overworking is to stay as far away as possible from there. i started getting anxiety attacks just thinking about all this.

anyway that's all i got im exhausted and cant stop crying rn

anon im so sad for you because this entire situation is so unfair and it sounds so exhausting. there's no excuse for this client to be ghosting you for this long, like at the absolute very least, they owe you the dignity of a response. you provided a service and you're entitled to your payment. i love u. :(

#i wish i could think of something helpful but i came up w/ nothing #i got mail* #anonymous

[recommendedtoelle]

Budgeting

You Need a Budget

On payday, add paycheck into “To Be Budgeted”

Give every dollar a job: start with essentials like groceries and bills

For fun expenses like going out to eat, include these as part of your monthly budget; use a prepaid Visa like KOHO and transfer over your set amount each month

Open a High Yield Savings Account

Ally Bank

Capital One

Automate an amount to set aside for short term goals like travel or an upcoming downpayment

Automate your bills with the service company or your bank

Set aside an emergency fund

Automatic savings transfer

Zero-based budget

Debt avalanche

Pay the minimums on all of your debt except for the debt with the highest interest rate

Put extra $$ toward the highest interest rate debt

Refinance Debt to a 0% APR Credit Card

Make sure there aren’t annual or sign on fees

Make sure they allow balance transfers and find out the fee before applying (both the old and the new card)

Do the math to make sure the fees are worth it

Creating a Budget

Write down how much you make and how often you get paid, how much $$ in checking, how much in savings, and ow much debt you have

Write down fixed expenses: rent, utilities, internet, insurance, Spotify, Amazon prime, loans, etc.

List variable expenses: estimates of gas, food, groceries, fun, misc.

List sinking funds: car repairs, medical, holidays, technology

Zero-based budget: give every dollar a job

Add total variable and fixed expenses to get a monthly total and determine how much you have left for sinking funds

Staying Motivated to Pay Off Debt

Give yourself fun money

Use visual trackers

Make small, sustainable changes to your budget

Start a savings challenge

Money-Saving Apps

GetUpside (gas)

Investing

Roth IRA: low fee index funds, invest $300/mo starting at age 25

Tax Deductions

1098E: can deduct if you pay more than $600 in student loan interest per year

Income Streams

Profit income: side hustle

Investing: dividend income and capital gains

Royalty income (something you sold)

Earned income: full time job

Interest income

Side Hustle

Studypool

Goals

Save $500/mo or more for retirement

At least 10% of my paycheck goes to savings

50/30/20

50% for needs like rent and food

30% for wants

20% for debt repayments and savings

Retirement

Withdraw up to 4% of investments yearly to save enough for retirement

Annual expenses * 25 = amount needed for retirement

Accounts to Have

Bill payment account

Daily spending/allowances

High yield short term savings account

Long term savings

#budgeting

[financialcareer]

Why is data science important?

Data science is important because it allows us to extract insights from data. In today's world, we are constantly generating data, from our online activity to our social media interactions to our physical fitness trackers. Data science can help us to make sense of all this data and identify patterns and trends that would be difficult or impossible to see with the naked eye.

Data science has a wide range of applications in many different industries. For example, data scientists can use their skills to:

Develop new products and services

Improve customer satisfaction

Reduce costs

Increase efficiency

Make better decisions

Solve complex problems

Here are some specific examples of how data science is being used today:

Healthcare: Data science is being used to develop new diagnostic tools and treatments, improve patient outcomes, and reduce costs. For example, data scientists are developing machine learning models that can identify cancer cells in medical images more accurately than human doctors.

Finance: Data science is being used to detect fraud, assess risk, and make better investment decisions. For example, data scientists are developing models that can predict the likelihood of a customer defaulting on a loan.

Retail: Data science is being used to improve product recommendations, optimize inventory levels, and target marketing campaigns. For example, data scientists are developing models that can predict what products a customer is most likely to buy based on their past purchase history.

Manufacturing: Data science is being used to improve quality control, reduce waste, and optimize production processes. For example, data scientists are developing models that can predict when a machine is likely to fail and needs to be serviced.

These are just a few examples of the many ways that data science is being used today.

Data science is also important because it can help us to better understand ourselves and the world around us. By analyzing data, we can learn about human behavior, social trends, and natural phenomena. This knowledge can help us to make better decisions and solve complex problems.

Overall, data science is an important field with a wide range of applications. It is helping us to make better decisions, solve complex problems, and improve our lives in many different ways.

BSE Institute also provides Global Data Science Program (GDSP) a two year vocational data science program engineered to develop global data science expertise among students with its curriculum covering data science and analytics fundamentals and its substructures such as Machine Learning, Big data, R programming, Hadoop, etc. The data science program is developed by industry maestros and aims to inculcate optimal data science mastery among students seeking to pursue a career in the domain, along with 100% placement assistance.

#finance #career #education

[lingerieday]

Finance Hacks: Little Known Secrets to Save More

In a world of instant gratification, saving money can often seem like an insurmountable challenge. We live in an age of convenience, where the allure of online shopping, gourmet meals, and the latest tech gadgets are perpetually at our fingertips. But what if a brighter financial future was just a few hacks away? This comprehensive guide will reveal lesser-known secrets to bolster your savings without compromising on the joys of life.

1. Introduction: The Power of Smart Saving

Understanding finance isn't just about number-crunching or stashing every penny away. It's about cultivating habits, leveraging opportunities, and making your money work harder for you.

2. Rethink Your Banking

a. High-Yield Savings Accounts: Move beyond traditional savings accounts. Some online banks offer interest rates multiple times higher than the national average. b. Recurring Transfers: Automate a small daily/weekly transfer from checking to savings—it adds up over time!

3. Master the Art of Budgeting

a. The 50/30/20 Rule: Allocate 50% of income to needs, 30% to wants, and 20% to savings and debt repayment. b. Envelope System: Physically allocating cash to specific budget categories can curtail overspending.

4. The Unused Subscription Audit

How many streaming services do you subscribe to? Gym memberships? Periodic audits can help cancel unused subscriptions and put that money back into savings.

5. Embrace Cashback and Reward Systems

a. Cashback Credit Cards: If you pay off your balance monthly, these can be lucrative. b. Shopping Portals: Sites like Rakuten or Honey offer cashback for online purchases.

6. The "No-Spend" Challenge

Designate periodic "no-spend" days or weekends. This not only saves money but also makes you conscious of habitual, unnecessary spending.

7. Optimize Your Utilities and Bills

a. Energy Efficient Appliances: They reduce electricity bills in the long run. b. Bill Negotiation Services: Platforms like Trim can negotiate bills on your behalf, ensuring you get the best rates.

8. Buy Quality, Not Quantity

Investing in high-quality items—whether it's clothing, electronics, or appliances—can mean fewer replacements and repairs over time.

9. DIY: The Money-Saving Elixir

From home repairs to crafting gifts, the DIY approach can save significant sums. Plus, it’s rewarding!

10. Smart Grocery Shopping

a. Buy in Bulk: Non-perishables often come cheaper in larger quantities. b. Meal Planning: Reduces impulse buys and cuts down on food waste. c. Store Brand vs. Name Brand: Often, they’re nearly identical in quality but with a vast price difference.

11. The 30-Day Rule

Avoid impulse purchases. If you desire a non-essential item, wait 30 days. If you still want it after a month, consider buying.

12. Fintech to the Rescue

Leverage modern finance apps:

a. Round-Up Savings Tools: Apps like Acorns round up your purchases and invest the difference. b. Budget Trackers: Platforms like Mint or YNAB help monitor spending habits.

13. Travel Smart

a. Travel in the Off-Season: Destinations are often cheaper and less crowded. b. Use Fare Comparison Sites: Tools like Skyscanner or Kayak can help snag the best deals.

14. Refinance and Consolidate

Evaluate your loans:

a. Mortgage Refinancing: Could lead to lower monthly payments or reduced loan terms. b. Student Loan Consolidation: Streamlines multiple loans into one, potentially with a lower interest rate.

15. Prioritize Financial Education

a. Read Widely: Books, blogs, podcasts – knowledge is the precursor to success. b. Workshops and Webinars: Many are free and provide valuable insights into saving and investing.

16. Mindset Matters: Set Clear Goals

Whether it's a vacation, a new home, or retirement, clear financial goals will make the saving process purposeful and rewarding.

17. Regular Financial Check-ins

Monitor your progress. Adjusting strategies periodically ensures you're on the right track.

18. Explore Side Hustles

In the age of the gig economy, opportunities abound. From freelance work to tutoring, a side hustle can substantially boost savings.

Conclusion

Achieving a robust financial future doesn't necessitate monumental sacrifices. Often, it's the small, consistent actions, the "hacks," that pave the way to monetary success. By integrating these strategies into your daily life, you can optimize savings, enhance financial security, and pave the way for a future filled with possibilities. Remember, the journey to financial freedom is not about deprivation; it's about making informed, smart choices every day.

#finance #finance assignment help #finance management #finance news #finance stock #finance guide #finance & law

[insurance-professionals-arizona]

Finding The Right Arizona Auto Insurance | Insurance Professionals of Arizona

Driving in Arizona might seem like a very easy thing to do. There isn’t much snow, not that much rain, and for the most part, there are wide-open roads. Piece of cake, right? Well, this is true only if you have Arizona auto insurance. Imagine how difficult any future driving will be after you see flashing lights behind you, the officer asks for your insurance, and you have none.

Arizona auto insurance laws are no joke. Be prepared to get your license taken away for a year and pay a hefty fine of $1,000. As you can see, finding the right auto insurance in Arizona is a simple thing to do as long as you follow some easy steps.

Don’t Go with the First Insurance You See

When purchasing just about any product, you want to make sure to shop around for a while first. Many online sites are able to help you compare different auto insurance quotes. Make sure that you are looking at customer reviews as well.

By comparing insurance companies side by side, you can get a much better look at what each company is offering. If looking for different insurance companies online is overwhelming for you, don’t worry! There are new tools online that will give you quotes at the click of a mouse. Just sit back and relax while the quotes come to you!

Best Arizona Auto Insurance for You

The best option by far is using an insurance broker. Brokers like ours at Insurance Professionals of Arizona are able to use their extensive knowledge of the complexities of insurance to get you the most discounts and best value plan.

Rely on us to walk you through your different options and do the heavy lifting for you.

Take a Look at the Different Arizona Auto Insurance Discounts You can Apply

In most cases, drivers can find one or many discounts that they can apply to lower insurance rates each month. These discounts can range from good student discounts to military service discounts.

Good student discounts are great for high school students who usually have very high insurance rates due to their young age and inexperience with driving. Simply providing your insurance company with a copy of a report card can often lower the rates to pay each month on your Arizona auto insurance.

Good driver discounts are becoming more and more common nowadays, too. They use small GPS and data trackers that you can place in your car to earn safe driver discounts. However, you need to make sure you keep speeding to a minimum.

Choosing the Right Deductible can Make a Big Difference

Learning about your auto insurance deductible is going to make a big difference in how much you are paying in premiums every month. If you are willing to pay a larger deductible when you do get into an accident, you will pay substantially less in insurance premiums. On the other hand, if you want to have very low deductibles (again) when you get into an accident, your insurance premiums must be much higher. This is a decision that you and your broker can make, based on the type of driving that you typically do.

For example, if you are using your truck at a construction site, it is more likely that something will damage your vehicle. In this case, you may want to have a much lower deductible. That will allow you to pay less than you otherwise would over time.

Consider Adding Additional Coverage

There are even more convenient coverages you can add to your insurance policy than you might think!

For example, having a rental car policy will help you when you get into an accident. This policy will help you get a replacement car after an accident while yours is being repaired.

Roadside assistance is also an extremely convenient coverage option if you become stranded on the road with a flat tire or other auto issues.

Gap insurance is a great idea to have on your policy, as well, if you are still paying off your car (which will help you pay off your remaining loan).

These are just a few of many additional coverages you may be interested in adding to your policy.

Professional Options

Arizona auto insurance can be confusing, and you do not have to figure it out on your own.

Finding the right auto insurance no longer has to be a hassle like it was years ago. There are simple ways to prepare yourself to find the right insurance policy that will work for you. The tools available online will help make your experience shopping for the right auto insurance much better. It is now easier than ever to sit back at home and start saving money online by purchasing the right insurance policy.

At Insurance Professionals of Arizona (IPA), you can be sure that you are getting the right coverage for your situation.

Professionals are standing by waiting to help you find the right insurance. Don’t wait any longer. The right insurance is waiting for you right around the corner. Call today! 480-981-6338

Ready to make the switch and get amazing auto insurance?. https://www.insuranceproaz.com/

#insurance professionals of arizona #insurance #commercial property insurance #carandrentersinsurance

[donkeyidea-blog]

7 Practical Steps to Overcoming Student Loan Debt: A Comprehensive Guide

Student loan debt has become a significant financial burden for many individuals pursuing higher education. It's crucial to address this issue head-on and develop a step-by-step approach to overcome student loan debt. In this article, we will guide you through practical steps and strategies that can help you regain control of your finances and work towards becoming debt-free. Let's dive in!

Understanding Your Student Loan Debt

Unlock the Secrets of Forex Trading: Discover a Free, Yet Powerful Learning Course at ForexFinanceTips.com Firstly, it's important to understand the nature of your student loan debt. There are different types of student loans, including federal and private loans, each with its terms and conditions. Begin by calculating your total loan amount, including principal and accrued interest. Review the interest rates and repayment terms for each loan, as this will influence your repayment strategy.

Step 1: Organizing Your Student Loan Information

To effectively manage your student loans, gather all relevant loan documents and create a spreadsheet or loan tracker. This will help you keep track of loan balances, interest rates, and payment due dates. Additionally, ensure you have contact information for your loan servicers, as you may need to communicate with them regarding your repayment plan.

Step 2: Assessing Your Financial Situation

Learn Python Coding and Django Web Development, 100% Course, Easy to navigate and complete learning road map  at dtlpl.com Evaluate your income and expenses to gain a clear understanding of your financial situation. Identify areas where you can reduce expenses or save money to allocate more towards loan repayment. By creating a realistic budget, you can determine how much you can afford to pay toward your student loans each month.

Step 3: Exploring Repayment Options

Explore the various repayment options available for your student loans. Federal loan repayment plans such as income-driven repayment or extended repayment plans can provide flexibility based on your income and financial circumstances. Additionally, consider loan consolidation or refinancing options to potentially lower your interest rates or streamline your repayment process.

Step 4: Developing a Repayment Strategy

Developing a repayment strategy is crucial to tackling your student loan debt effectively. Prioritize your loans based on either interest rates or balances, depending on your preference. Two common approaches are the snowball method, where you pay off smaller balances first, or the avalanche method, where you prioritize higher interest rate loans. Choose the strategy that aligns best with your financial goals.

Step 5: Seeking Loan Forgiveness or Assistance Programs

Research and determine if you qualify for any loan forgiveness programs or assistance programs, such as the Public Service Loan Forgiveness program. These programs can potentially reduce or eliminate a portion of your student loan debt if you meet specific criteria. Understand the requirements and application process for each program to take advantage of available opportunities.

Step 6: Making Extra Payments and Accelerating Debt Payoff

Consider making extra payments towards your student loans whenever possible. Even small additional payments can make a significant impact on reducing your overall debt. Use windfalls or unexpected income, such as tax refunds or bonuses, to make lump sum payments. Track your progress and stay motivated by witnessing the gradual decrease in your loan balance.

Step 7: Staying on Track and Avoiding Default

If you have a Dog, Cat, Bird, or any Pet at home, The Most Informative Pet Blog NiceFarming.com To ensure you stay on track with your student loan payments, set up automatic payments or reminders. This will help you avoid missing due dates and incurring unnecessary fees or penalties. In case you encounter financial hardship, reach out to your loan servicers to explore alternative repayment options or forbearance/deferment options to prevent defaulting on your loans.

Frequently Asked Questions

Q: Can I negotiate the terms of my student loan repayment? - Generally, federal student loans have fixed repayment terms. However, you can contact your loan servicer to discuss any temporary financial hardships or explore alternative payment plans. Q: Is it possible to discharge student loan debt in bankruptcy?  - While it's challenging, it is possible to discharge student loan debt through bankruptcy, but it requires proving undue hardship in court. Q: Should I consider refinancing my student loans?  - Refinancing your student loans can be a viable option if you have good credit and can secure a lower interest rate. However, it's important to carefully evaluate the terms and potential loss of federal loan benefits before refinancing.

Conclusion of Overcoming Student Loan Debt

Overcoming student loan debt is a journey that requires perseverance and a strategic approach. By understanding your loans, organizing your information, and assessing your financial situation, you can develop a repayment strategy that suits your needs. Explore repayment options, consider loan forgiveness programs, and make extra payments whenever possible. Remember, progress takes time, but with determination and discipline, you can successfully conquer your student loan debt and achieve financial freedom. We hope this article has provided you with valuable insights and guidance. If you have any further questions or would like to share your own experiences and tips, please feel free to leave a comment below. Together, let's empower each other on the path to a debt-free future. Read the full article

#debtmanagement #financialplanning #loanrepayment #personalfinance #studentloandebt

[star--weaver]

Fuck it, public facing to do list (in no particular order*)

Write

Get gas

Make myself a cute lil drink

Clean closet

Organize beauty chest (specifically press on nails)

Find old library card/ get new library card

Remove current set of press on nails

Write some more

Break into my student loan account

Plan bullet journal for September

Fill fountain pens

Laundry (whites)

Laundry (colors)

Scroll through recipe tik toks for food inspo

Make a notion habit tracker (?) (something about this feels like I should r be doing this now

Fold laundry because this a whole other task tbh

#there’s probably more

[sararimble]

The College Repayment Tracker Sheet - Your Path to Financial Freedom! 🎓💰

Are you a recent college graduate ready to take charge of your student debt and pave the way to a debt-free future? Look no further – we’ve got the perfect tool to help you stay on top of your college loan payments – the College Repayment Tracker Sheet! 📝💸 Empower Your Financial Journey: Student loans can be overwhelming, but with our comprehensive repayment tracker sheet, you’ll feel empowered…

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Science & Know-how On Might 9, 2023 In an effort to offer experience and extra sources to nonprofits throughout the nation, Financial institution of America is offering Jersey Metropolis-based Liberty Science Middle (LSC) a senior technology chief for the subsequent 12 months as a part of Financial institution of America’s (BofA) Chief on Mortgage program. BofA TechStart Pathways Program Supervisor, Pragna Mehta, will fulfill a full-time position at LSC as their interim Information and Analytics Strategist. Mehta will tackle a technique position on the interactive Science Middle, working with an inner group to implement workflows designed to consolidate knowledge administration instruments. She's going to assist the nonprofit’s enterprise ways by offering recommendations on how to prioritize initiatives, creating helpful dashboards and metric-driven trackers, and constructing budget-based options that cowl LSC’s full portfolio and scope of labor. “My background in technology, knowledge evaluation, and challenge administration offers me the chance to make use of my total toolbox of information and expertise to assist Liberty Science Middle create significant long-term options and obtain organizational objectives,” stated Mehta. “I'm thrilled to be a part of the LSC group for the subsequent 12 months and looking out ahead to gaining large insights into this inspiring nonprofit and the communities it serves.” The Chief on Mortgage program is an progressive method for BofA to carry further sources to native communities and committing to the financial institution’s values of driving accountable progress. Leaders are sometimes loaned to their nonprofit group for a mean of 12 months, with the financial institution masking the worker’s wage and advantages. Created in 2017 with 4 organizations, this system has expanded throughout the nation with quite a lot of organizations to assist advance financial alternative and different philanthropic priorities within the communities the place they dwell and work. “Liberty Science Middle is grateful for the various methods Financial institution of America has embraced our mission. From getting ready highschool college students for contemporary STEM careers by our Excessive Faculties of the Future initiative to our work collectively on LSC’s SciTech Scity enlargement designed to show modern enterprise concepts right into a actuality that makes the world a greater place, our collaboration has been each lengthy and impactful,” stated Paul Hoffman, the President and CEO of Liberty Science Middle. “We’re thrilled to welcome Pragna to our group by BofA’s Chief on Mortgage program and know her deal with enterprise tactic evaluation and reporting will propel us ahead in our subsequent section of progress.” “By partnering with Liberty Science Middle, Financial institution of America is committing to the expansion, growth and success of LSC applications that may encourage the subsequent technology of scientists, engineers and innovators,” stated BofA Market President Alberto Garofalo. “As considered one of New Jersey’s hottest studying facilities, the financial institution understands the significance of STEM and we're assured that Pragna’s experience will make a optimistic affect throughout the group for years to return.” Mehta, a West Windsor native, has greater than 20 years of enterprise technology and challenge administration expertise in a broad vary of private and non-private sector industries. She is an authorized challenge administration skilled with in depth expertise in main applications and initiatives, implementing greatest practices, and creating course of enchancment. A essential, strategic thinker, Mehta has expertise at analyzing knowledge and processes by reporting, metrics, and dashboards to determine areas for steady enchancment, and advocate alternatives for standardization and optimization.

When not performing her position as Financial institution of America’s TechStart Pathways Program Supervisor, she may be discovered volunteering her time with native nonprofits reminiscent of Trenton Space Soup Kitchen, Neighborhood Meals Financial institution of New Jersey, and Womanspace, Inc. in Mercer County. To entry extra business news, go to NJB Information Now. Associated Articles: https://guesthype.co.uk/?p=6682&feed_id=15022&cld=645ae0028d8a3

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Boston University Postdoctoral Associate Position in Student Loan Forgiveness, BU Center for Antiracist Research

Deadline: Unstated (posted on BU site 5/3) Length/Track: Unstated Description: “The Postdoctoral Associate will manage the higher education Racial Policy Tracker, which will focus on policies related to student loan debt forgiveness. The Associate will work with the Principal Investigator (Professor Jerry Whitmore) and community partners to: (1) identify specific policies to track; (2)…

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My Expense Tracking Spreadsheet

When I started college, I created a simple expense tracker in Google Sheets a row for each purchase and columns for things like the date, item, category, and amount. Over the last three years, I’ve continued to log purchases and iterate on the design of this tracker. When I last wrote about this spreadsheet in my post on banking and personal finance in college, I’d just added the type column to keep track of the type of payment (cash, gift card, debit/direct, or credit). 

Now that I have four credit cards, I’ve replaced my generic credit option with separate options for each card. Upon getting my first cashback credit card last summer (the Citi Double Cash), I’ve also added columns for tracking this cashback. However, to be honest, this hasn’t been that useful and I’ve had to create a separate sheet for tracking cashback as the vast majority of my credit card purchases have been for things I will be reimbursed for and thus don’t track as personal spending. For instance, a few weeks back my Design Clinic team and I had a bonding dinner that I charged to my newest credit card (the Capital One SavorOne), but will be reimbursed in the near future.  

Speaking of credit cards, the most important thing to know about using them responsibly is that they should be paid off on time and in full. In other words, they should be treated like a debit card in that you should never spend money you don’t have in your bank account. Compared with debit cards, credit cards offer more fraud protections which makes them a safer bet for online purchases. And, if you can be responsible, getting a credit card early on can help you to build your credit score which can help you down the line in getting the lowest interest rates on auto loans and mortgages. On the flip side, if you can’t be responsible you really should steer clear of credit cards to avoid credit card debt and the associated double-digit interest rates. If you read to the end, I’ll also give my pick for the best student credit card. 

Another minor change that I’ve made to my master finance spreadsheet is that I no longer have separate sheets for each year and instead simply collapse past years by grouping rows together. Additionally, I’ve added a ton of additional sheets for tracking other finance-related things like my income, gift card balances, credit score, and credit utilization. I am well aware that this post may not be interesting to the average person, but I really do love spreadsheets and have become increasingly interested in personal finance. In the sections that follow, I’ll be going through my expense tracker column by column and sharing some of the fun formulas and formatting tricks. 

Column A - Date

Nothing particularly special here, but I do have data validation to ensure that what I’ve entered is in the proper date format.

Column B - Item

This column is also pretty simple and just contains a text description of the purchase.

Column C - Amount

Another obvious column, but I do make sure to use the currency format.

Column D - Type

This is where the fun begins! For this column, I use data validation rules to create a drop-down menu and to format each option! Each of my credit card options are color-coded to match their respective physical card and in the case of my authorized user card, it is color-matched to my gift card option. 

Column E - Category

My categories (education, essential, and other) have remained unchanged since the first version of this tracker. That said, I plan to update these categories once I graduate college. 

Column F - Return Percent

In this column I again use data validation rules for the drop-down menu and formatting. Additionally, I have a formula that automatically sets the cashback rate  based on the selected credit card. My Citi Double Cash for instance is a flat 2% cash card, so the rule below automatically accounts for this. Additionally, as I’ll primarily use my Capital One SavorOne on its 3% categories, automatically setting the return percent to 3% is very helpful. Furthermore, I can still easily override these rules as need be. (More about the SavorOne to come at the end of this post).

=IF(D2="Double Cash CC",2%,IF(D2="SavorOne CC", 3%,))

Column G - Cashback

This column just calculates my cashback by multiplying the amount by the cashback rate. The rule below is slightly more advanced in that it leaves the cell empty if the cashback is $0. I also have a simple conditional formatting rule to add a purple background to the non-zero cells.

=IF(C2*F2 = 0,,C2*F2)

Column I - Total / Category Totals

This column sums up my expenses for a given year. In other words for most rows of the spreadsheet, columns H and I are empty. (I know I skipped over H, but it just contains labels for column I). For the annual total, I just sum up my category totals. For category totals, I use the SUMIF function. I also sometimes use this column for other subtotals for specific semesters, seasons, or months.

=SUMIF(E2:E19,"Education",C2:C19) 

Best Student Credit Card

First of all, a disclaimer that I am not an actual financial advisor, and this recommendation is just based on my own research and personal experience. Be sure to do your own research first and ensure you can handle the responsibility of having a credit card. 

The Capital One SavorOne Rewards for Students is my top pick for students. This is a great first credit card because Capital One has an easy-to-use app that allows you to view your current balance and recent transactions, pay your bill, and monitor your credit score with CreditWise. While I highly recommend learning about credit scores prior to getting your first credit card, CreditWise will help you to better understand the factors that impact your credit score through its credit score simulator. CreditWise also provides you with access to your TransUnion credit report on a weekly basis. Of all my credit cards, the Capital One app is by far the most useful and user friendly. 

In terms of earnings, it earns 3% back on restaurants, dining, entertainment, and popular streaming services. It also earns 1% back on all other purchases, has no foreign transaction fees (great for studying abroad!), and most importantly has no annual fee. This earning structure matches the non-student versions of the card and as far as I’m concerned is really solid for students and non-students alike. While you need to be a student to appy for this card, the good news is that upon graduating you’ll retain all of the rewards and benefits. The main advantage of the student version is that it is easier to qualify for. One additional feature that was announced last month is that the card offers a complementary Uber One membership along with 10% back on Uber purchases through November 14th of 2024. 

I intentionally left my discussion of the earning scheme to the end, because as a student your goal should be to build your credit history and learn how to use a credit card responsibly. If you are interested in this credit card you check if you are pre-approved (with no impact on your credit score) and/or apply using my referral link. 

#college #Smith College #personal finance #spreadsheet #credit cards #cashback

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Budget calendar future years

#BUDGET CALENDAR FUTURE YEARS DOWNLOAD#

Whether you’re getting a head start on your financial goals or playing catch-up to conquer debt, planning ahead and staying organized are the two major keys to achieving your objectives. You can also add additional calendar pages dedicated to helping you reassess your goals every few months. Leave space in the margins to add your monthly budget categories and savings goals, as well as any other information that’s important to you, like debt balances or current credit score. Add dates like tax deadlines and infrequent special events like Christmas, weddings, or birthdays that might require additional spending. Mark all automatic transfers to savings accounts and contributions to retirement accounts and other benefit programs. Add the due dates and amounts for all of your bills, such as credit cards, utilities, and loan payments. If your income is variable, decide on regular days to record what you’ve earned and mark those instead. Track your paydays and amounts each month. While your budget calendar has room to record the basic budget categories, you may want to add a purpose-built budget tracker if you’d like to break your budget out into smaller categories or if you have a longer list of monthly spending items.Įveryone’s budget calendars vary a bit according to their needs, but there are a few key elements all budget calendars should have: If you’re paying off debts (like student loans, credit card debt, or medical bills) this year, you should add a tracker designed specifically to help pay off debt. Your calendar isn’t meant to track small, day-to-day expenses like a cup of coffee, so you should also use a spreadsheet or tracker to stay mindful of how minor spending can add up. For $79 (or just $1.52 per week), join more than 1 million members and don't miss their upcoming stock picks. Motley Fool Stock Advisor recommendations have an average return of 397%. To maximize the power of your calendar and set yourself up for a successful year, you should add a few other tools to the mix: While a budget calendar is a powerful tool, it’s just one weapon in your financial arsenal. Plotting key dates and recording your cash flows will help you anticipate and plan for financial events and emergencies, preventing you from being caught off-guard and having to deplete savings or go into debt.

#BUDGET CALENDAR FUTURE YEARS DOWNLOAD#

We’ve created a printable budget calendar designed for organizing your money in 2022 - download and print it to get started! How a Budget Calendar Can Help You Achieve Financial GoalsĪ budget calendar can help you with whatever you hope to accomplish financially, whether it’s paying off existing debts or building up savings to invest in your future. You can choose to add a budget calendar to your existing paper or digital calendar, or you can create a brand-new calendar that’s just for tracking your finances. And there’s no better way to do so than by creating a budget calendar to track your income, expenses, and financial goals throughout the year. The new year is the perfect time to recommit to getting your finances organized.

#Budget calendar future years

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Student debt forgiveness: steps for social mobility

Student debt forgiveness: steps for social mobility

Making waves across the nation for the most benign concession to the working class, President Joe Biden has started an initiative towards student loan forgiveness.   As opposed to the U.S. government’s actions in the 2008 housing crisis, where ProPublica’s bailout tracker establishes that $245 billion were given to financial institutions to replenish their lost capital, the Biden administration…

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#finances #financial aid #financial news #joe biden #student debt #student debt forgiveness