What about the other debt??

I know we all got into this student debt mess. You know going back to school in order to improve our lives right. And here we are in debt and who knows if it will ever go away.

What about your other debt?? Do you have any?? I do and since right now the amount of my student loans is so overwhelming I decided that I am going to focus on my other debt first. First of all its much smaller and easier to look at and plan than the big old Sallie Mae bill. Second its easier to pay off smaller bills than the bigger ones. And right now I need a sense of accomplishment so that I can move forward here in life. With or without Sallie Mae on my ass end of life.

I have been thinking and praying about what to do about a second job, other income, some what to make extra money. I said before I am learning Ebay. And so far so good. I'm not making huge money but I somehow managed to make about 100.00 extra a month. Hope to kick it up some this summer. Anyways I will be on the look out to make extra income on top of my job. Fun right?? No. But that is life at times.

I was thinking since I do get a little here and there on Ebay I have a few options of what to do with that money. And if it sits and I try to wait for it to build up I know that I will find reason to spend it. Let it be something comes up or what ever. So I thought knowing myself and I"m not perfect and I know I should wait until the end of the month but well I'm not wired to handle such things at times. I thought to myself. What if I just take once a week and any money made I'll send it to an outstanding bill. Let it be 5.00 or 100. Then I made a list of past due amounts. Got those suckers on paper to see what I am looking at. And well you know some are not that bad. And 5.00 or 20.00 or 100.00 in a week makes a dent in something that is 100.00 past due, or 100.00 due to be paid off. Or even 500.00 due to be paid off. By the end of the year those little payments add up and well if I figure this out right I can have a few bills paid up or even paid off!

One will be a car payment. That is 100.00 a month I get back! If I pay that loan off early I'll get that 100.00 sooner. And guess what! That is 100.00 toward another bill, and then that payment is gone and so on and so forth and it makes sense right. Yes. But well lets get back to reality for just a moment. There will be times I'll have to make changes, things come up and I will need to use that money for something else. Stuff breaks, houses need repair, cars break down, dr bills and who knows. So this is a short term plan to begin with. I'm starting this for a month and I'll see how it will work. Baby steps in the bigger plan to take back my life from Sallie Mae.

Always thinking always planning always figuring out something better to move ahead. Get back my life.