Bye-Bye Student Loans!

It’s official! As of today, I am no longer paying for student loans!

TIME TO CELEBRATE!

Three years after graduation.

Two different jobs.

Took a cruise to Mexico.

A trip to Chicago for July 4th and SC to my alma mater.

Next up my CPA exam!

Welcome to my Randomness XIX

This whole week has been a gloomy-sky kind of week.

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But today the sun actually played peek-a-boo…

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Oh and I don’t like gloomy skies. I would rather have it bright and sunny or completely dark. None of this gray and in-between stuff; be one or the other please.

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Still no word from any interviews about second interviews or job offers; this is getting really discouraging.

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A blessing in disguise about my job though it has allowed me to pay off two student loans. I think when I get my retroactive pay from the last 2 pay periods I’ll cut the remaining loan in half.

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I’m glad I still live with my parents. I’m not planning on moving out anytime soon since I love traveling and plan to travel quite frequently.

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I must confess my posts have been nothing substantial and I must apologize…I’m finding myself withdrawing from everything and everyone. I apologize, please forgive me. I’ll do better, promise!

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Funny conversation a few nights ago….My friend, Donnie, (name changed, of course) texted me. Basically saying he was done with girls for right now and “these things get more complicated as ppl get older….”

Me: Oh yeah. My thoughts are focused on self right now and that’s not a good thing. Because I’m getting used to it and thinking about someone intruding—bad thought

Donnie:  Well you can focus on me! I’m having the issues right now haha

Me: Lol and who will you be focusing on?! Haha. I’m so against being intruded upon. I think the only relationship I’d want is long distance.

Donnie: Haha….well I’ll be long distance…wink wink. BAHAHAHAHAHAHA

End of conversation

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Danny and I were supposed to attend Longoria’s event at Grauman’s Chinese Theatre last night for her Documentary Premiere. Unfortunately, we got stuck in traffic and weren’t able to go. To console ourselves we went to Roscoe’s Chicken and Waffles.

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Yes! I know I went there last Saturday but this fried chicken is sooo gooood!

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I am picky about fried chicken… and fried chicken with waffles and syrup.. AMAZING!

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Don’t you dare comment and say ew..gross, either. We cannot be friends if you do not even try this stuff!

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The other day I went to Albertson’s to stock up on some snacks. (I keep the snacks in my car or leave them at work because my brother will eat them in a day) Anyway…as I was walking out of Albertson’s I hear someone’s car alarm go off. I reach my car and it is still going off… I’m now looking for this car…

 

Oh...that's why ....

 

 

End of story.

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Enjoy your weekend and hope you enjoyed another segment of welcome to my randomness!

My Experience with Student Loans

I paid off another student loan! One more to go. Let me share a few things I’ve learned, maybe it will help you.

Read your statement. I got my loans through Sallie Mae. It has all the information about your loan, interest rates, monthly payments, automatic withdrawal, etc. Read it! Find out how many loans you have, what are the interest rates on each, when are the due dates, etc.

Research. Find out if you can consolidate your loans-I had 3 different loans and all three had different amounts and different interest rates. There are requirements for lowering interest rates or consolidating your loans. Find out if you qualify!

Do the math. Sallie Mae conveniently worked out a payment plan to my demise. If I had paid less than $100 every month for the next 10 years, my three loans would have been paid off. Of course, they didn’t mention how much in interest I would be paying. If I tripled the amount every month for each loan I would have paid off the loan in 3 years with more of my payments being applied to the principal rather than the interest.

Pay extra. It doesn’t hurt to go on spending fasts every now and then to apply the money “saved” to your loan. You’ll feel better about yourself.

Pay attention. If you’re planning to pay extra I strongly advise you to pay 2-3 days right after you paid your monthly payment. In that way, the extra payment will be applied directly to your principal. Pay attention. Check your loans several times a month to monitor when the interest kicks in and starts accruing.

What’s your interest rate. I had three different loans. I had three different interest rates. Two were fixed rates and one was a variable rate. Read about the variable rate. What causes it to fluctuate, how to steer away from fluctuating rates, etc. Always pay off the highest interest rate first.

Use your savings. I don’t make that much money. My yield on my savings account does not exceed  my interest rate on my student loans. If you’re able to pay off a good bit of your loan with your savings DO IT! Chances are you don’t have a savings account yielding 5-6% to cover for the interest accruing on your student loan.

Make extra payments. It doesn’t hurt to make extra payments. That kicks back your due date for your monthly payments. It doesn’t mean if you made two payments in November you don’t need to pay in December. Pay in December! Only use up that extra month if you’re in an unforseen financial bind.

I enrolled in automatic withdrawal for each loan. I specifically made extra payments to the loan with the highest interest rate. I went on spending fasts-no eating out, no clothes, no buying anything-all that extra money went to the loan with the highest interest rate.

If you have any further questions-ask away. I hope I can help and hopefully these tips will work for you!

Thank you! Thank you!

Received another award October 9th. Unfortunately, I was unable to relish in this award until now BUT better late than never! 🙂

Thank you Princess Diaries for such an award and the kind words that went with it!

 

As a side note but one along the lines of thanks and compliments, I received an indirect compliment yesterday. I say indirect because it wasn’t said to me, to my face, but relayed to me by a trusted source. I say trusted because the compliment-or and the trusted source are good friends, to say the least.

I digress, the compliment: The guys are missing out… Melanie is a good catch.

Hey! It’s MELANIE

Remember when I said my sister was going to take pictures of me during our family vacation?

I lied, we never got to do that. We did squeeze in a very pretty family picture of the gorgeous view that looks like a fake background 🙂

Avila Beach

She was however able to take pictures after my dad’s party….

looking at these pictures, I probably should have put make-up on to define features alot more but eh, maybe next time. I literally mean MAYBE.

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Comments, votes, thoughts? More pictures to come of family and sister poses.

Guest Blogger: 100th Post

Hey Mel’s blog lovers! =]

I’m Marlize from Every Girl’s Corner and today I get the honor of hi-jacking this blog for a super guest blog post. I am the 100th blog post! Sweet hey?!

The reason I got awarded this greatness was probably because of sympathy…Every 50 comments I have a guest post and Mel was the lucky winner of one of those spots. A few hours later I stupidly noticed I missed my own blogs’ 100th party!! Sad, sad, sad.

After I miserably posted a blog post about my lack of attention, Mel promised me the honor of getting this 100th post. She really is that amazing!

So in honor of the celebrations I will list a few things I love about Mel and her blog!

  • She is blatantly honest!
  • She does the coolest randomness posts EVER!
  • Even after she was told she can’t eat most food, she was still positive!
  • Her awesome ‘bad parking’ photos!
  • She thinks I am a good writer =]
  • Her ‘no-nonsense’ attitude!
  • She knows what she wants, even if others’ don’t understand it!

Basically, it comes down to this…Mel is a great person. A wonderful blogger. And an amazing friend!!! I am so glad to be part of her 100th post celebration and to know I was on the road with her to here. Even if I jumped onto the road a little after the starting line =]

Let’s all raise a virtual glass to her and hope we are all together again for the next 100! Or even 1000 =]

Have a party cupcake! Mel, hope you can eat cupcakes…. If not….

May I have it please?? 😀


All pictures are from We heart it.

Operation: Life Clean-Up

Facebook

This past weekend I re-activated my de-activated Facebook to retrieve pictures of my dad. I decided to post a Facebook status with my number and blog url. I also decided to RE-de-activate on Monday, which I have done.

I had 10 friend requests and 30 notifications from different friends within 48 hours. Most from friends I already keep in contact with.

Someone please help me understand why I must keep my Facebook? I’m told it’s more convenient to keep in contact with friends. If friendships were all about convenience, we’d have so many friends. I’m sorry, I’m not your friend out of convenience for you.

I don’t keep in contact with friends because its convenient for me. I keep in contact with friends because I care. I think of certain friends every now and then and I send them a text, an email, or I leave a voicemail.

Friendship does not consist of likes, comments and wall posts. We build friendships on conversations, struggles, and laughter.

I realize distance hinders a lot of those things we build our friendships on but I, as an idealist would rather not ruin friendship for convenience. I am perfectly happy to wait for an email, text, or phone call rather than receive a wall post consisting of 8 words to sum up the past 6 months of your life.

What have I discovered through my Facebook ordeal? I have realized through my inability to disappear completely from Facebook, I am incapable of letting go those who need to be let go. What does that mean? I am the type of friend who cannot let you go until something drastic has been done to our relationship-lying, deceit, etc. If it is merely a lack of communication, I believe we are still friends. That belief is untrue.

For example my friend Christina. I had de-activated my Facebook in February. Unbeknownst to me, she had changed her number sometime after that. She found me by messaging my ex-bf for my number to let me know she was getting married and wanted to send me a wedding invitation.

There are ways of finding those you really want to get in contact with.

On the other-hand, I had texted a college friend “I will be de-activating my Facebook.” She then proceeded to ask, “Why?!” I told her, “Andre broke up with me and I need to get away from it” I never heard from her until I had sent a mass e-mail about my blog. Mind you, it was two months after I had text her about my breakup. I do not know how difficult it would have been for her to send me a text saying something like “Sorry, I don’t know how you feel, etc” This particular friend, a term I am using very loosely in this instance, was a friend in name but not in action. She would not care if I had Facebook or not. She would be categorized as one of those “friends” I need to let go of.

What am I doing? I will be going through Operation: Life Clean-Up.

I’m starting over but allowing people to find me, either through email, blog, or my no-picture Facebook.

I know you are thinking “FACEBOOK?! You just ranted about Facebook.” I make allowances for those friends who have made it a point to send message me on Facebook and I understand they never check their emails, have limited texting plans, and phone calls are out of the question because we’re on different time zones or a different continent altogether!

I will not add you if I already have your phone number, email, and blog url-it just doesn’t make sense to me. Albeit, my blog views jumped to 100+ each day I was on Facebook I’m not too crazy about trafficking to my blog if no one comments or communicates with me.

Again, I’m a difficult person to understand and I sympathize with you; I really do. I know you are probably thinking I want to boost my ego so I can find out how many people are searching for me, who want to keep in contact with me, who miss me, etc. I’m sorry to let you know that is untrue. I am perfectly happy to become a hermit and have my blog as my best friend. Ask Renae or Danny, they will agree with me.

So much for preparation

I had a METRO job test for Accounts Payable yesterday at 12:30 in the afternoon.

I’ve been talking with different people about the tests; my boss and my mom both know people there who have been finding out about the test.

From the information other people were telling me it was dealing with POs, invoices, accounting terms, calculations, etc.

I had driven around the area on Thursday to gauge how far away it was from my job. (About 5-10minutes)

I left work at 12:10 and got at Metro around  12:20. HUGE building and very nice.

There was a group of 30 people there. We were ushered upstairs (4th floor) in a classroom-type room.  I was expecting computer tests right? Wrong! They were scantron tests!

As I sat there, I was hit with a major thought, I FORGOT my calculator!

Oh well, let’s do this and  see how it goes…

We had 1hour and 40 minutes to complete the test and it was 50 questions. Only about 5 questions were non-calculation type questions.

I sat there and used my scratch paper-I did it all by hand. I also remembered a few of my SAT taking skills. Ruling out the wrong multiple choice answers.

Two hours later the results were being read, I wasn’t expecting my name to be called but then again I didn’t know what the pass rate was.

Surprisingly enough, I passed! I was in complete shock! Oh and the girl I was sitting next to had TWO CALCULATORS!

Twelve of us passed and moved onto the typing test. I didn’t know how fast I typed but the requirement was 30 wpm. I most definitely knew I typed faster than 30 wpm.

My typing speed: 62 wpm with 9 errors in 5 minutes.

oh and the pass rate? 70% I had to get at least 37 questions right.

This was so not any of my skills! Thank you God, I know it was all you.

 

Welcome to my Randomness XV

I got an email from him… and now I feel like not replying forever.

Well, maybe not forever but at least a month or month and a half.

Is that bad?

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I’ve not spent any money so far, unless you count gas but that’s doesn’t count, I think. At least, I’m saying it doesn’t.

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Going to the LA County fair today after 5pm because it’s only $5. My friend works there so we’ll do the whole employee parking deal woowoo!

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Oh got my first AWARD from Marliz3e!

I’ve yet to tag 10 people, it’s coming! 🙂

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I’ve still not fully adjusted to being home. Sometimes I wonder if I’m supposed to be living in California if I have no friends in California. When I mean friends I mean the type of friends you can sporadically count on to meet you after work for an hour at Starbucks or grab dinner with when you get off work late.

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Believe me I know somethings you plan for but somethings planning just doesn’t happen. Just saying…

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This SoCal weather is weird one day this week I had my boots, leggings, and long sweater-type blouse. The next day I wore a polka-dot skirt, blouse, and peep-toe wedges. Is that supposed to happen that way?!

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Volleyball games: so far still undefeated. The second game set we won the first and the second game we were down 10-20. We ended the game somewhere around 22-24 in our favor. It was intense!

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Please take me away…

Preferably where this will be the sunset...

Thank you,

Melanie

Please, for my sanity…

There are just some things I would ask you not to do or to do, for my sake.

PLEASE


1. Do not step on your brakes every 5 seconds when the car in front of you is 15 feet away. It’s really annoying to find that out when I pass you.


2. Do not diddle-dawdle when you are waiting for the light to turn green. There are people behind you waiting for the light to turn green as well and want to see how many cars can go through before the light turns red.


3. When you tell a joke, please do not be the first person to laugh. It makes it awkward when the joke wasn’t that funny.


4.  Is it too much to ask for a definite yes or no answer when I’m texting you about plans? I don’t understand what K means.


5. While we’re on that subject.. KK doesn’t help either.


6. When driving and you are on your phone please stay in the slow lane. Somehow older people on their phone in the fast lane makes people agitated, me included.


7. When you cut me off and I honk at you, I honked at you because you cut me off. Don’t look at me like I’m some crazed woman.


8. I wouldn’t honk at you if you were going faster than me. Speed up!


9. I understand FACEBOOK is the new thing but if you really wanted to keep in contact with me you’d use your phone, you have my number. I don’t understand how me getting a FACEBOOK helps our relationship because you don’t even send me a text every now and then. I know your phone is always with you. Facebook is only with you when you log on, just saying, I don’t understand.


10. Instead of assuming I’m looking at the calorie intake, ask me. It saves you from looking like a doofus when I say I’m looking at the ingredients because I’m allergic to a lot of things…

Thank you in advance,


Melanie