::cues The Cure::

[fredericks]

Gah. It's difficult to post this without feeling an instant swelling of unnecessary self-importance, but whateverthehell. I've been reading LJ but I haven't felt much like posting and/or responding lately. For the best, I'm sure, as most of my posts would be rants about LI's shoddy public transportation, the black hole that is my love life, and my hatred of the USPS, and my comments to posts would prolly read "eat more fiber!" You think I kid but oh, oh no.

When I look at my life I get a sense of stagnation and that's no good, but overall things aren't too hideous. I'm just in one of those funks I tend to get into. I figure it's either an all-out withdrawal or start climbing clocktowers. At this moment I wonder whether it's more important to pay my bills or to strike off on my own. Being at home has its comforts, but would I experience more growth if I lived in my own apartment? I could say I'm staying here more or less rent-free (I do give the mom-dukes a sum of money every month, but that was my own decision and if I'm late with it on the occasion the enforcers aren't let loose) to pay my loans and save money for a house, but while I've been aggressively paying my notes the saving hasn't been going too well. Perhaps it would be *better* for me to move out and take the full ten years to pay off my loans. Maybe it would give me the opportunity to branch out socially and experience things I've been avoiding all these years. Or it'll allow me to crash and burn while still giving me a place to return so I can lick my wounds. I dunno.

In summary: I'm here, I'm reading my FL, I'm just emo at the moment.

Comments

[pr-spin-girl.livejournal.com]

I was in the same position you are right now, and moving out was the best thing I could have done. While I didn't live with my parents (I had my own apartment above them in the duplex), I still felt like a kid. While my social life hasn't improved much, I'm feeling more self-sufficient (and I also took the whole 10 years -- well, 9.5 years -- to pay off my loans). One tip on the loans - send half the payment in the middle of the month, and the other half near the due date -- will pay less interest and more of the principal. :)

[fredericks.livejournal.com]

My worry about the loans? it's my intention to return to school for at least one graduate degree. Managing tuition and loan payments will be difficult. And while deferral is sometimes an option when one returns to school thinking about the interest piling up gives me the cold sweats. But I do think moving out will help me feel less like a child. I still occasionally go "Jesus, I'm 27??" And saying you live with your 'rents is such a mood killer.

I didn't know that repayment tip. Does paying a little less than twice the amount due help as well?

[(Anonymous)]

Most definitely it helps, maybe more than paying half and half, but then you're shorting yourself extra money, so I guess you just need to decide if not having that extra money is more important. It will still take awhile to pay your loans off regardless. I sent a penny more a month than my minimum, and I think I paid mine off 7 months early.