Today I got a bonus and cost of living adjustment with retro pay! I didn't have any idea it was coming.
The economy is going to hell soon. Yet I am doing better than I ever thought I would be a year after graduating.
I was at three credit cards...two seriously delinquent and now a I have none. I have one loan with an individual who I now owe less than$300. Now I have no debt besides this and my student loans.
I have been able to purchase a few new clothing items.
My private student loan with a variable interest rate fell from 8% to 6%. The monthly payment fell by $30, yet I am still paying the full 8% rate. Now my question is, do I change my 4.8 and 6.8% fixed interest rate to something lower so I can pay the variable interest rate loan which is very likely to go back up? It really upsets me that my loan rates are so high for student loans that they give to the financially needy. It is all because I graduated in 2007 that my rate is locked at 4.8 and 6.8. If I were fortunate enough to benefit from the 9/11 terrorist attacks my rate would be at 1%. The difference between these rates is absolutely ridiculous when thousands of dollars is in play. These people that graduated right after 9/11 are still in the same economy that I am yet I have to pay 6.0, 6.8 and 4.8 while a friend of mine that graduated right after 9/11 has twice the loans I do but has the same monthly payment.
Libertad's Journal
My Podcast Link
04/30/2008 22:43 #44198
Economically speaking04/24/2008 22:34 #44134
My new homeI finally found an apartment! It is a totally done deal and we are moving in no later than the 1st of June. For those of you who do not know, I live in a ridiculously small space with my ex who now happens to be one of my best friends. Our living arrangements have been almost unbearable at times (you could only imagine) and for a long time we just didn't have the money to do anything about it. So how ridiculously small is our apartment? It is a studio, not a one bedroom, but a single cramped studio with two people a rabbit and at one time a 20 gallon fish tank. Now that I have my finances under control we are able to afford to make the move we have been waiting for for years. At one time we thought that we needed to find separate living spaces because we did used to date and that does seem weird. If you think of it as we were always meant to be friends and not lovers though it isn't all that strange. It is nice finally having some money to live in a space that I feel I deserve. I have always been working so hard between work and school and always just barely getting by. I guess with my huge student loan payments I still am struggling, but I am actually handling those quite well and definitely have the extra money for the new apt.
For the last 4 months or so we were looking every single day at all the ads and seeing on average 2 apts a week. I wish I could tell you how many we have seen. There was always something that just wasn't quite right or it was just an absolute N.O. I think maybe we were looking for an apt at one of the worst times of the year, but still it took us forever. Sometimes I would feel just so down about not finding a new place. It really felt like it was consuming me. There was one apartment that we found that we really liked and we didn't end up taking because the people wanted us to put $1200 in security down and we said no because we found that excessive. At times I regretted that, but now with the place we found, I know that it was right to turn it down.
So what are the specifics of the apartment that make it so wonderful? The location is idea for us. Auburn and Gill Alley by Norwood. I am in the "heart" of the "Elmwood Village" (ha!) It is second floor with no other tenants above us. There is a porch facing Auburn. Half of the porch is covered by an awning and the other half is open. Hard wood floors in the living room and dining room with natural wood support beams in the ceiling. 3 Bedrooms!!! Yes we are going from a studio to 3 bedrooms! There is also a back sun room that we are going to use for the rabbit and for an office. Every room has a ton of sun light. There is a nice washer and drier in the basement and is not coin operated. We have a laundry shoot to drop our clothes in. The two bedrooms that Steve and I would stay in are identical so we don't have to fight over who has the best room. There is central air conditioning. This is definitely a luxury. Rabbits can over heat very easily and it is awesome that we can use it if needed on those really hot days. The landlords live below us and are super awesome. They are young professionals and get along great with the current tenant. Their lease requires that we carry renters insurance which I think is very compassionate of them because most landlords wouldn't care if all of your stuff was burned up because they wouldn't be liable for it. The stove is GAS which I freaking love. They are installing new stainless steel appliances and even offered to have somebody come in and build us this awesome island type counter top like they have in their home which is almost identical to ours. The color of the paint is not right for us so they are giving us money for paint. And oh my god it has a claw foot tub! We have had a freaking shower stall for years now and are desperate to take a nice bath. These old tubs are the best..you really can put a lot of water in them for a nice good soak! The third bedroom is so perfect. My mother can come and stay with me when she comes to visit and won't have to stay in some hotel room. She is going to love it. I'm so excited to be able to have guests stay over. The living room is large enough where we could have many people come and chant with us and we can have small meetings. We can grill on the porch and we are already looking to get a glider to put on it and my dad is going to give me a grill. This place is so awesome! (e:mike) and I are definitely going to be using it to the max!
So thats my story from rags to riches!
For the last 4 months or so we were looking every single day at all the ads and seeing on average 2 apts a week. I wish I could tell you how many we have seen. There was always something that just wasn't quite right or it was just an absolute N.O. I think maybe we were looking for an apt at one of the worst times of the year, but still it took us forever. Sometimes I would feel just so down about not finding a new place. It really felt like it was consuming me. There was one apartment that we found that we really liked and we didn't end up taking because the people wanted us to put $1200 in security down and we said no because we found that excessive. At times I regretted that, but now with the place we found, I know that it was right to turn it down.
So what are the specifics of the apartment that make it so wonderful? The location is idea for us. Auburn and Gill Alley by Norwood. I am in the "heart" of the "Elmwood Village" (ha!) It is second floor with no other tenants above us. There is a porch facing Auburn. Half of the porch is covered by an awning and the other half is open. Hard wood floors in the living room and dining room with natural wood support beams in the ceiling. 3 Bedrooms!!! Yes we are going from a studio to 3 bedrooms! There is also a back sun room that we are going to use for the rabbit and for an office. Every room has a ton of sun light. There is a nice washer and drier in the basement and is not coin operated. We have a laundry shoot to drop our clothes in. The two bedrooms that Steve and I would stay in are identical so we don't have to fight over who has the best room. There is central air conditioning. This is definitely a luxury. Rabbits can over heat very easily and it is awesome that we can use it if needed on those really hot days. The landlords live below us and are super awesome. They are young professionals and get along great with the current tenant. Their lease requires that we carry renters insurance which I think is very compassionate of them because most landlords wouldn't care if all of your stuff was burned up because they wouldn't be liable for it. The stove is GAS which I freaking love. They are installing new stainless steel appliances and even offered to have somebody come in and build us this awesome island type counter top like they have in their home which is almost identical to ours. The color of the paint is not right for us so they are giving us money for paint. And oh my god it has a claw foot tub! We have had a freaking shower stall for years now and are desperate to take a nice bath. These old tubs are the best..you really can put a lot of water in them for a nice good soak! The third bedroom is so perfect. My mother can come and stay with me when she comes to visit and won't have to stay in some hotel room. She is going to love it. I'm so excited to be able to have guests stay over. The living room is large enough where we could have many people come and chant with us and we can have small meetings. We can grill on the porch and we are already looking to get a glider to put on it and my dad is going to give me a grill. This place is so awesome! (e:mike) and I are definitely going to be using it to the max!
So thats my story from rags to riches!
museumchick - 04/26/08 22:58
Congratulations on the new place! It sounds very exciting... can't wait to see the new pics.
Congratulations on the new place! It sounds very exciting... can't wait to see the new pics.
tinypliny - 04/25/08 19:57
Neat! Congratulations! Hope I can come to visit you and your Rabbit someday! :)
Neat! Congratulations! Hope I can come to visit you and your Rabbit someday! :)
metalpeter - 04/25/08 18:31
First of all I'm glad you are able to live with an ex. I don't think I could but it sounds like there is never any of that jealously thing and that you are good friends. The mint green kinda sounds cool, but that being said one thing about having a place is you have to make it yours so I'm sure the white will be better for you. Congratulations on the new place and I hope your land lords turn out to be very good.
First of all I'm glad you are able to live with an ex. I don't think I could but it sounds like there is never any of that jealously thing and that you are good friends. The mint green kinda sounds cool, but that being said one thing about having a place is you have to make it yours so I'm sure the white will be better for you. Congratulations on the new place and I hope your land lords turn out to be very good.
libertad - 04/25/08 15:29
Thanks everybody! Photos will be coming. I'll do before and after pics because we are painting asap. The current color is like this mint-ting-a-ling green. I'm just going for white because really I just think it is classy and you can do so much more with white. The landlords are below us and they are really nice and young so maybe if I invited them we could have a party at some point. I think Paul would be OK if he didn't go in the back where the rabbit is. Not sure if you are alergic to rabbits lilho, but you would probably be OK too.
Thanks everybody! Photos will be coming. I'll do before and after pics because we are painting asap. The current color is like this mint-ting-a-ling green. I'm just going for white because really I just think it is classy and you can do so much more with white. The landlords are below us and they are really nice and young so maybe if I invited them we could have a party at some point. I think Paul would be OK if he didn't go in the back where the rabbit is. Not sure if you are alergic to rabbits lilho, but you would probably be OK too.
james - 04/25/08 12:07
woo hoo! Congrats to you and your rabbit.
woo hoo! Congrats to you and your rabbit.
lilho - 04/25/08 11:59
will you have a soiree when im in town. or at least a wine tasting? i'll bring the wine.
will you have a soiree when im in town. or at least a wine tasting? i'll bring the wine.
paul - 04/25/08 11:07
Congrats, I love gas stoves too. I don't think I could ever really settle for an electric one again. Contrary, to that statement I am intrigued by the new Electrolux advertisements which claim to have an electric stove that can boil water in 90 seconds. Maybe, they only mean a quarter cup of water.
Congrats, I love gas stoves too. I don't think I could ever really settle for an electric one again. Contrary, to that statement I am intrigued by the new Electrolux advertisements which claim to have an electric stove that can boil water in 90 seconds. Maybe, they only mean a quarter cup of water.
fellyconnelly - 04/25/08 10:49
wow! i can't wait to see photos of the place! it sounds reaaly wonderful!
wow! i can't wait to see photos of the place! it sounds reaaly wonderful!
hodown - 04/25/08 09:30
It sounds amazing. I'm jealous!! Congratualtions on the new pad!!
It sounds amazing. I'm jealous!! Congratualtions on the new pad!!
leetee - 04/25/08 08:52
So cool! You have been looking for a new place for what seems like a long time to me, so must feel like forever for you. Good for you both for sticking it out until you found not only the right place, but the right new home!
I hope the move goes well!
So cool! You have been looking for a new place for what seems like a long time to me, so must feel like forever for you. Good for you both for sticking it out until you found not only the right place, but the right new home!
I hope the move goes well!
boxerboi - 04/25/08 08:40
Congratulations! That is awesome. I had a similar living arraignment and I know how horrible it can be. Good job!
Congratulations! That is awesome. I had a similar living arraignment and I know how horrible it can be. Good job!
mike - 04/25/08 00:31
can't wait to see it!
can't wait to see it!
04/21/2008 22:30 #44092
Gold Fish in Hoyt LakeLast year at this time there was a lake of dead fish. Tons of them. I tried to find my journal about it but it took me way to long to find it and I gave up.
So last year was a massacre of fishes and this year we see an introduction of a foreign species. My questions are; when were these introduced and will this further upset the local ecosystem? Don't people realize that this isn't cute to release foreign species?
So last year was a massacre of fishes and this year we see an introduction of a foreign species. My questions are; when were these introduced and will this further upset the local ecosystem? Don't people realize that this isn't cute to release foreign species?
mike - 04/22/08 20:44
maybe they are from the people flushing them down the toilet
maybe they are from the people flushing them down the toilet
metalpeter - 04/22/08 18:02
I have no idea where they came from or how they effect the eco system really at least they aren't those very expsesive coy fish. Well maybe if they where someone would try to steal them for there back yard pond.
I have no idea where they came from or how they effect the eco system really at least they aren't those very expsesive coy fish. Well maybe if they where someone would try to steal them for there back yard pond.
james - 04/22/08 16:05
A week ago I saw a giant rat swimming in Hoyt lake with a half-rotten fish in its mouth... I wanted to comment on your journal and that was all I could come up with.
Good day.
A week ago I saw a giant rat swimming in Hoyt lake with a half-rotten fish in its mouth... I wanted to comment on your journal and that was all I could come up with.
Good day.
04/14/2008 21:41 #44011
Caution! High Maintenancemike - 09/22/16 22:53
wow i was so much skinnier back then. I can't even get that shirt over my head anymore I don't think.
wow i was so much skinnier back then. I can't even get that shirt over my head anymore I don't think.
james - 04/15/08 09:17
When I see shirts with "Italian Princess" or the like printed on them, I immediatly imagine the giant haired guidos of my youth.
No more. Thank you Mike for being that awesome.
When I see shirts with "Italian Princess" or the like printed on them, I immediatly imagine the giant haired guidos of my youth.
No more. Thank you Mike for being that awesome.
fellyconnelly - 04/15/08 08:14
HA!
HA!
congrats!
Congrats on your bonus! Soon you will be a jet setting man about town.