That Time of Month

It's time for my loan/debt update. I have finally made it into the 60's and I'm climbing down. Just chugging along. I'm hoping to get a raise at work since my year has finally come around. Whether I do or do not get a raise I will be in contact with a friend of mine about working a second job. I can't keep getting paid what I do and expect that I'm going to make much of a dent in my loans. Heck, it takes more than two months to be down a grand because of accrued interest. I've looked around at some places but most places I've looked at need people to work during the day or start work while I'm at my job and that just doesn't work.

Here's the update for the month:

Student loan 1   7,782.87                                    50.00

Student loan 2   31,826.90                                  346.08
Student loan 3   11,527.60                                  50.00
Student loan 4   9,949.13                                    110.00 

The rest

Student loan 5    1,450.17                                  190.00

Student loan 6    7,132.30                                   87.90

Amex: 401.19

Visa: 271.17

Macys: 198.35

This brings my student loan total to: $69,668.97. And my credit card total to: $870.71.

Ok, ok. I know what you're thinking. Damn it, Lauren! You had your credit cards paid off and you went and screwed it up! Oh trust me, I know, but I also didn't really have much of a choice. The Amex still has work stuff on it that needs to be paid. I personally, only owe $52 on it and the rest was from the work trip I took last month. The Macy's charge has a wedding gift, my mom's mother's day gift and part of a birthday gift. There was a mishap with my mom's mother's day gift and I ended up buying two - one has yet to be returned, so subtract $53 from that total and that is what I actually owe. I know I'm still in the red with the credit cards but this summer is ridiculous with weddings. Joy.

I get closer and closer to getting rid of that little loan and it really couldn't come soon enough. I figure, if I can pay about $200 a month on it, it'll be done by the end of the year. And if I start that second job, well then, hopefully I can get it paid off before then too.

I've always started to switch around the due dates for my loans. Previously I had my biggest loan due with majority of the payments for the rest of my loans and I would be broke before I even got paid. I'm working on switching them around so I pay all of my loans at once except for the big one and it comes out to be almost even with the payments. I'm hoping this will help to balance out my money and I won't have to worry so much about being so tight on money for the second half of the month.