[ SECRET POST #2209 ]

[case]

⌈ Secret Post #2208 ⌋

Warning: Some secrets are NOT worksafe and may contain SPOILERS.

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Notes:

Secrets Left to Post: 06 pages, 121 secrets from Secret Submission Post #316.
Secrets Not Posted: [ 0 - broken links ], [ 1 - not!secrets ], [ 0 - not!fandom ], [ 1 - too big ], [ 0 - repeat ].
Current Secret Submissions Post: here.
Suggestions, comments, and concerns should go here.

Comments

You're going to hate me, but...

[(Anonymous)]

I just checked and it's $5075. I had no idea it had gotten that low already.

I graduated in 2002, so I've been chipping away at this for years. Not a full decade, mind you, since I went to graduate school for several years and deferred during that time (but fortunately accrue any additional debt by doing it).

I'm a little wary of simply paying it off right now because finally, for the first time in my life, I've managed to accumulate a decent financial cushion and I'm loathe to dip into that. (I'm also supposed to be saving for a down-payment on a house, in theory, but it looks like the house-buying plan isn't going to work out for at least a year for other reasons.) I think, however, I will take the plunge and do it once it officially gets below five grand after the next payment.

Re: You're going to hate me, but...

[(Anonymous)]

DOOOO ITTTTTT nothing beats being debt-free; I don't have student loans, but am still paying down my HELOC (that I ran up a few more times than I should have), and that last 5K+ is driving me up the wall because It. Just. Won't. Budge. (Or so it seems --- it's a PPAD, so it IS getting chipped away at. Just not fast enough for me,) If I had 5K right now, that's the first place it would go, TBH. I'd pay it down, and try and get a house on a line of credit -- a mortgage is the absolute worst thing you can do to yourself, and all those realtors and relatives trying to convince you it's for the best are INSANE. Or brainwashed by society. A mortgage is the absolute worst thing you can do to your life because YOU WILL BECOME ITS SLAVE. Long after you lose your love for whatever house has gotten that far in debt in the first place.

I lasted eighteen months, paying a mortgage, before I jumped ship. Worst eighteen months I ever spent in my entire life. Never again. Never. Again. NEVER AGAIN.

TL;DR: Nonny says pay your debt down first before all else, my fellow anon!

Re: You're going to hate me, but...

[(Anonymous)]

Personally, I'd rather get a mortgage on a house rather than paying rent because at least there's a chance to retrieve the money you've paid down if you sold the house. Mind you, that's IF you live in a place that has a relatively stable property market and isn't prone to natural disasters.

It's a lot of responsibility though, and you have to be sure you have enough income to support yourself AND pay down that mortgage. If you don't have that stability then you're probably better off renting.

Re: You're going to hate me, but...

[(Anonymous)]

I agree with your comment completely.

Re: You're going to hate me, but...

[caecilia]

Actually, seeing the people in this thread who are close to paying it off is really encouraging to me. It's nice to know that it's possible. Makes me excited for the future.

Congrats on being so close!

Re: You're going to hate me, but...

[(Anonymous)]

Thanks! I'm getting excited now about doing away with the loan completely. It's been with me so long!