Work: I picked up some weekend gigs this month and added 9 hrs during my full-time job M-F. It was really tiring, but the paychecks are rewarding and I was able to contribute $1k toward my student loans. Gigs I picked up from Craigslist were giving out samples at Wal-Mart ($18/hr+ mileage), Beer Samples ($20/hr+ mileage -traveled to Appleton & Milwaukee), holding a sign at a college game because it was going on ESPN ($22), "model" for $50, ask people to take surveys ($20/hr + mileage), and putting together a resume + cover letter for $50. The major key to making money is from mileage. Find jobs that needs you to go far and will pay you by the mileage too.

Student loans: If I can find ways to make an extra $1k/month, I can really reach my deadline of 09-24-18, 23 more months. My life isn't over if I don't pay it off by that time, but not only is it good to have goals, it's a real obstacle I can't wait to get rid of. This is my motivation from my last entry

I mean, I'm just really thinking ahead as a future mother. I don't want student loans to be my motivation to work and also be stuck at work. I love family and I want to be able to work part-time so I have time for my children; so my income goes to them and not loans

I paid off loan 01-12, which was borrowed at $815 + and idek how to calculate the interest I've paid.

And also loan 1-01 $1,434.08

This is the student loan I paid off today. End date goal of 09-24-18. The other day I paid off my first one, but the payoff amount to pay online didn't allow an over payemnt, so I just paid what it said that day (check photo below with green words). 2 days later, a small balance showed up. FUCK YOU NAVIENT! So I called and I'm like, "YOUR SYSTEM IS SHITTY. IT'S FALSE AS FUCK. FUCKEN TELL ME I OWE $1.18 AND DON'T ADD THE DAYS INTEREST WILL OCCUR, AND THEN FUCKEN BLAME ME FOR IT? FUCK YOU."

The last time I posted about my finances, more than 300 readers tuned in! Thank you. I enjoy reading about how people make their decisions and also writing about my own.

It's already the 2/3 of September and I am happy to announce that I paid off my Paypal balance of $400 and $450 on my Sears card. The more blogs I read about paying off debt and using the snowball method, the more I disciplined myself to do it. My favorite blog I came across this month was the Millennial-Revolution, which also lead to this amazing one. Just check it out!

I started my student loan journey a year ago in this post, August 2015. It is now September 2016, 11 months in. If I really want to be on my 36 months plan, that means I have 25 more months to go. That breaks down my math of $24k/25 = $960/month. It didn't sound possible when I did the math, but now that I really think about it, it could be. Just gotta #werkwerkwerk. It makes me feel great that I can actually put money toward my savings, but it's not really savings when it'll end up going to student loans eventually.

After reading so many blogs about student loans, I finally called Navient, my loan service-r, to see if I can pay with a credit card over the phone. I found out that they accepted it; Vias & Mastercard for sure! I am so lame T____T for not making a payment last month when I just got my BOA card, because my promotion was no interest for charges made 60 days from account. Here are a few things I found out:

Can you believe a few blogs ago, I asked for a 40k+ job and I got one? So yes, be patient. I thought that with that amount, I would change my status from AWESOME --> I'M FRICKEN AMAZING, but it didn't. I still feel the same, but just can payoff more debt now. So I'm excited to announce my student loan plan!

I'm just after being debt free. Paying my student loans in 36 months = 3 years! After doing the math and really preparing myself physically and psychologically, I can do it. So that cat I almost wanted...out the window. I can still shop; I mean, I already budget myself to only $50/month. In addition, I'm going to sell clothes online some time soon. Anyway, here's the plan:

I have autopay for $265/month = $3,180/year
2nd job/additional $300/month = $3,600
========totalling = $6,780/year

Balance of $25,481.99/$6,780 = 3 years and 7 months, but that could be cut down from the auto deduct and the second job, and also raises over 3 years if I stay with the same job.

However, according to the math of .25 when you auto pay, the real balance could be $19,110.75, which knocks down a whole year...

Aiming for 3 years is the plan. However, the actual balance from each payment will hopefully knock a few months off. I can't wait to take photos of each time I knock down a payment.

--This is the effective plan:
1) Call Navient to split my payments bi-weekly. (I called and they only do monthly withdrawals on their end, but if you pay on your end, you won't qualify for the .25 autopay discount. The choice is yours.)
2) Start with just $100/month extra from my bank's bill pay. If you don't have to make the effort to write/send it, you're not as attached to the money.
3) Work 2nd job and all of that pay goes toward loans
I also plan to do the snowball method mixed with interest rate:
01. $871.79
02. $3302.62
03. $5568.73
04. $1563.20
05. $1560.20
06. $3302.62
07. $5568.73
08. $3916.16
09. $2561.44
10. $2668.30

In 3 years, I will be done with student loans && my car payments. That means sky high credit score, just in time for buying a home! I'll have my 401k going and my own personal savings. And in 3 years, KP will be 17 and he's in line for my car. Yes baby, you can have it and I'm seriously getting a 5k car after my car. I am waiting.

Here's a TEDtalk to motivate paying off debt: Adam Baker - Sell your crap. Pay your debt. Do what you love.

Learn more about paying back student loans here