2 Jul

Today is the six-month anniversary of the blog, which means I’m now at the halfway point in this year-long quest to pay off my undergraduate student loans.

The thing is, it doesn’t feel like halfway.  Partially it feels like I’ve been at this for far longer, and partially it feels like it’s been much shorter.  It all depends on the day (or what shiny object that I can’t afford is in front of me at the moment).

Today is one of the days when it feels much shorter.  That’s probably because I’ve been doing some math, and I haven’t quite made it to the halfway-gone point in my loans.  I’m $487 off my ideal balance of $5,765, or half of the $11,530 balance I started with.

In any case, a midpoint is a cause for both looking back and looking forward.  So, let’s do some review and some forecasting.  The first section is a lot of number stuff.  The second section is a lot of non-number stuff.  Feel free to skip one or the other, depending on your personal opinions on number stuff.

By The Numbers:

  • LOAN
    • Starting balance: $11,530.12.
    • Amount paid, by month
      • January: $250
      • February: $961
      • March: $948
      • April: $1,296
      • May: $1,329
      • June: $1,334
      • Total: $6,118
    • Interest paid, by month
      • January: $307.41 (partially accrued from previous months)
      • February: $110.03 (partially accrued from previous months)
      • March: $42.83
      • April: $46.83
      • May: $48.64
      • June: $28.84
      • Total: $584.58
    • Principal paid, total: $5,533.42
    • Current loan balance: $6,249.03
  • BLOG
    • 26 weeks
    • 56 posts (including this one)
    • 6,704 total views
      • 1,230 views on busiest day (posted: Discarded)
      • Average 37 views/day
      • 258 views/week
      • 1,117 views/month
    • 0 Blog Awards or Freshly Pressed mentions, but some of the best and most supportive comments that I’ve ever seen.  The best of these sit in a document on my desktop, just for rereading when times get tough.


By The Non-Numbers:

It hasn’t always been a easy road this year.  There have been times when I’ve been worried about future employment, stressed out over current employment, freaking out over late paychecks, ranting against the economy, angry with myself, frustrated with internet trolls, beleaguered by writer’s block, paralyzed by fear, consumed by anxiety, physically sick to the point I could not stand, bereft without a computer, slapped with unexpected expenses, and left wondering just for what it’s all been worth.

But there have been good times, too.  I’m learning how to let go of anxiety, plan for contingencies, but live in the moment, make a change in my world view, enjoy social situations more, know when to engage and when to disengage, find inspiration in odd places, be brave, heal, adapt, grow, express my dreams, and how to do all of that while keeping the parts of me that I like.

I know that there may be harder times ahead.  That’s just the nature of part-time employment and variable income (and life with OCD).  I’m still searching for that elusive full-time job, but even that would come with huge life changes.  I’m a big fan of routine, and unpredictability and change scares me.  I’ve come to realize that most people feel that way, however, and the best way around the fear is to talk about it and find support with others.  This blog has helped me do that, and I hope that it continues to be that way over the next six months.

It turns out this blog has been worth $6,118, and a lifetime of self-realization crammed into six months.

Thanks for being here this far.  Let’s see what the rest of the year holds.  It should be interesting.


One Response to “Benchmark”

  1. mbt July 26, 2012 at 1:05 pm #

    You are a very capable person!

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