Student Loan

Downs

  • Calvin continues to be cranky and throw tantrums at odd moments. For instance, he has a sore on his foot that isn’t healing. I thought putting a band aid on it might offer more protection because he has a tendency to scratch it. However, he went hysterical when I got the band aid near his foot. I did get it on him but he frantically clawed at it until I relented and took it off again. Instead, I decided to put a sock on the foot which he didn’t seem to mind.

Ups

  • I forgot to mention this in my last post but I finally paid off my student loan last week. Up to this point, I hadn’t bothered paying it off early because my interest rate was 2.875%. However, for the last couple of years it’s been hard to get even that in a savings account or CD. Normally, we would have used our 3rd paychecks of the month to open another CD to replace the savings we lost back when Jaeger ended up with 3 jobs in one year. However, after thinking about it, we decided it made more sense to pay off our debt. We choose my student loan instead of the mortgage for two reasons: First, worst case scenario, it’s my understand that it is easier to discharge a mortgage in bankruptcy than a student loan (I don’t imagine worst case is likely but it never hurts to be prepared). Second, if we reduced our mortgage principle, it still wouldn’t have changed our monthly payments. Getting completely rid of one loan means our fixed expenses are less in case of an emergency and meanwhile we have extra each month to save.
  • I’ve found time to do my ab exercises two days in a row! At the moment, it looks like Calvin is mesmerized enough by the abs instructor in the TV that he doesn’t insist that I pay attention to him every moment. However, he did increase the intensity of my exercise when he decided to sit on my stomach and bounce during one crunch set.

Calvin Moment

  • Calvin really likes the Sun Sugar tomatoes. As soon as he sees me pick a ripe tomato, he eagerly opens his mouth so I can pop it in his mouth.

Simplification

  • Finally found a box that will work for my Christmas wreaths. Also got rid of a basket that I’ll probably never use.

Food Diary

  • Breakfast – Oatmeal with dried fruit and soy milk
  • Lunch – Triscuits and cheese, an energy bar and chocolate chips
  • Supper – Cornmeal Waffles (made for Sunday but I didn’t want to fix two meals) drizzled with Honey, a tomato, strawberries, and 2 chocolate pieces