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A Leap Towards Financial Freedom

I am so so so so happy to say as of May 2, 2014 I am (consumer) debt free!! I don’t have any money borrowed and collecting interest other than my student loans! Whoo!!

I got paid on Friday and working the stat holiday, Good Friday, gave me a great boost. I also got a nice tax return so what did I do? I tossed it onto my MasterCard and now I am at zero. This frees me up to put the money that went towards that card onto my student loans. I’m so happy it’s done with! I’m going to take some time to live without it for a bit. I rarely used it before because I was trying to pay it down but now that it’s at zero I just want it to sit at zero for a bit. In the future, anything I do put on it will be paid off in full at the end of the month. I don’t need to be carrying a balance from month to month. So here’s to rebuilding my credit!

And here’s to destroying my student loans. I am on a mission to pay off 75% of my student loans by December. Yeah. To achieve that I’m going to have to budge and be acutely aware of every dollar that goes in and out of my hands because I want to set myself up for a debt free future so my choices aren’t limited and I’m not held back by debt. This is an exciting time for me. I’m thankful that I have this great job, I’m thankful I live at home and pay reduced rent, I’m just really happy with my life situation right now.

Of course, it being life, I feel like if one thing is up then something has to be down… I’ve been finding myself battling how I feel about myself physically. I can honestly say I’m unhappy with my body. I enjoy running and biking, I love that it’s lighter and warmer out. I enjoy being active but it’s hard… when I’m home after 7 PM I just want to veg and relax and do nothing yknow? As soon as I’m home I pack my lunch for the next day, lay my stuff out, check my email, pay bills, watch a show and then it’s off to bed. I really don’t have a lot of time.

My friend goes to drop in soccer Tuesdays and Thursdays so I’m thinking I want to join him. I loved soccer and I love being outside and socializing while being active. I’m hoping that’s something I can be a part of.

That being said, today I went for a great 5.7 km hike with L. The uphill was a beast but the downhill we maintained a pretty good pace, skipping over roots and dodging dogs. It was really lovely, I’m glad we went. Then the local farmers market opened for the first day today which was amazing! It was sooo busy but we got our coveted Filipino food I’ve been missing since November. I was a happy camper!

I was doing really well in December when I was going to the gym regularly. I was starting to notice my body changing and I loved it. I don’t have the time for the gym so I need to do whatever I can to keep my body moving, especially after sitting for 12 hours a day.

I got an Essie nail polish today, I was feeling a little bummed out so I picked one up. I really like their polish, they’ve got a great colour selection. S and I went to the corner store afterwards and I got a slurpee and some 5 cent candy (yeah yeah) and the boy behind the counter gave me a free slurpee and only charge me for half of my candy! That made my night. S was all, dude, why didn’t you give me free stuff? I was like… oh S, it could be that giant rock on your left hand. Haha! Naw, he was cool, I thanked him and then laughed hysterically later.

Hair

I wore my hair loose all week this week. I did a rush twist job and it was not sitting so pretty so I wore it out. I’m going to do an overnight pre-poo tonight, really moisturize my strands/scalp and do an early wash day tomorrow. Better to get it out of the way so I can enjoy my day off.

That’s my update for the week. Nail polish, discount candy, work work work, and a great trail run. I hope tomorrow’s relaxing before the start of another week.

Oh! May long weekend (May 19) two friends and I are going to go for a shopping road trip! I’m really excited! I really haven’t built a solid wardrobe where I have a good number of clothes to wear for work and leisure. I just feel like I’ve been just getting by in the past since I didn’t have much to spend on anything other than rent, food and bills (oy). This is a little treat for myself.

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2 thoughts on “A Leap Towards Financial Freedom

  1. “I want to set myself up for a debt free future so my choices aren’t limited and I’m not held back by debt” I LOVE IT! Here’s to being student-debt free girl! I’m with you on your journey…I have six figures of student debt I’m targeting to pay off by end of 2016!

    • Cheers to our debt free journey! It’s all about goals and taking the steps (along with a little sacrifice) to get there so I’m excited to share this with someone else! It’s going to feel so good to have that burden off our shoulders 🙂

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