Oh my God.
I'm kind of in the middle of a panic attack, and it's mostly money-related. I mean, intellectually, I know what the car costs me, but I added it all up in Excel (curse my fluency with spreadsheets) and I'm basically having a total panic attack at the money situation. I mean, I CAN afford it. This is a doable thing. I just...oh my God, this is going to be really hard. Triple incentive for a new job, I guess, and I'm throwing such a hissy fit at myself for even thinking of borrowing from my 401(k). Bad Rina. Bad, bad Rina! *whaps self*
The big thing that I am really, really hanging on to here is the fact that, with the new car and not needing to do repairs on the old one every thirty days to the tune of $600 a pop, I can actually make progress paying down my credit cards. I can do it. It's totally possible. I just....oh my God.
Okay. Breathe.
Current game plan is to pay exactly the minimum payment on two of the three (AmEx and Discover) and exactly the minimum payment on my student loans, and put all my efforts toward paying off the MC as fast as possible. If I'm really careful about what I spend money on (no eating out during the week, and spend as little as possible on weekends, no alcohol, etc.) then this is a manageable situation. I just...had gotten used to a budget I didn't have to balance TOO carefully as long as I didn't do anything stupid and extravagant, and I really dislike that this car payment is throwing me totally out of whack. I HATE worrying about every cent that I spend and it makes me really upset, and I'm sitting here and fidgeting and freaking out.
This is why it's a bad plan for me to actually think.
But on the plus side, really for sure I am going to make myself live on two paychecks every month and forget this biweekly thing. That way, when I get to February and get a third check, I can just dump it straight into debts and clear that much more breathing room ($1000 = oh my God, more money than I can conceive of right now.)
*crosses fingers and prays hard to get the job I'm interviewing for on Tuesday*
If I keep sitting here, I'm just going to freak out more. Going to go to the common room and sit in the presence of roommates, and be soothed.
Also: the Gigas and his three Archaeodemons can suck it, and omg, ark knight + assassins WTF. I do NOT remember that battle being that hard in the PSX version! wtfwtf.
The big thing that I am really, really hanging on to here is the fact that, with the new car and not needing to do repairs on the old one every thirty days to the tune of $600 a pop, I can actually make progress paying down my credit cards. I can do it. It's totally possible. I just....oh my God.
Okay. Breathe.
Current game plan is to pay exactly the minimum payment on two of the three (AmEx and Discover) and exactly the minimum payment on my student loans, and put all my efforts toward paying off the MC as fast as possible. If I'm really careful about what I spend money on (no eating out during the week, and spend as little as possible on weekends, no alcohol, etc.) then this is a manageable situation. I just...had gotten used to a budget I didn't have to balance TOO carefully as long as I didn't do anything stupid and extravagant, and I really dislike that this car payment is throwing me totally out of whack. I HATE worrying about every cent that I spend and it makes me really upset, and I'm sitting here and fidgeting and freaking out.
This is why it's a bad plan for me to actually think.
But on the plus side, really for sure I am going to make myself live on two paychecks every month and forget this biweekly thing. That way, when I get to February and get a third check, I can just dump it straight into debts and clear that much more breathing room ($1000 = oh my God, more money than I can conceive of right now.)
*crosses fingers and prays hard to get the job I'm interviewing for on Tuesday*
If I keep sitting here, I'm just going to freak out more. Going to go to the common room and sit in the presence of roommates, and be soothed.
Also: the Gigas and his three Archaeodemons can suck it, and omg, ark knight + assassins WTF. I do NOT remember that battle being that hard in the PSX version! wtfwtf.