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Someday I'm going to:
Pay off my student loans
Pay off my student loans by: zachwashere
I`ve recently had to start paying back my student loans and I want to free myself of them as quickly as possible so that I can put myself into the black.
This is my plan | 77%
Original plan by: zachwashere
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  • img_ assess your finances the best source i`ve ever seen to help you do this is www.mint.com. i probably can`t recommend this website enough. i have my student loans, credit card, savings and checking loaded into their interface, which allows me to look at my complete financial picture.
    Step 1: Assess Your Finances

    The best source I`ve ever seen to help you do this is www.Mint.com. I probably can`t recommend this website enough. I have my student loans, credit card, savings and checking loaded into their interface, which allows me to look at my complete financial picture.

    1
  • img_do whatever you can to reduce your overhead. for me this meant moving...i`ll be saving about $1,000 a month at my new apartment. for you this might mean finding a car that gets better gas mileage etc. in addition i`m using mint to set budgets for myself on a category by category basis, i.e. $350 for food each month etc.
    Step 2: Do whatever you can to reduce your overhead.

    For me this meant moving...I`ll be saving about $1,000 a month at my new apartment. For you this might mean finding a car that gets better gas mileage etc.

    In addition I`m using mint to set budgets for myself on a category by category basis, i.e. $350 for food each month etc.    4
  • img_do whatever you can to maximize your income in my case this has meant taking on as much freelance work as i can possibly handle. for you that might mean working overtime or weekends or finding a second part-time gig (bartending etc.). this part can definitely seem overwhelming at times, so it`s best if you find a way to do this that`s as flexible as possible so you can take some time away from it if need be.
    Step 3: Do whatever you can to maximize your income

    In my case this has meant taking on as much freelance work as I can possibly handle. For you that might mean working overtime or weekends or finding a second part-time gig (bartending etc.). This part can definitely seem overwhelming at times, so it`s best if you find a way to do this that`s as flexible as possible so you can take some time away from it if need be.    4
  • img_maximize your monthly payments in the past there`s been some wisdom to drawing out the payment process as you could often earn a greater interest rate on your money than you were paying on your loan. given the current economic climate that logic goes out the window. once you`ve analyzed your spending and reduced your overhead you need to figure out the maximum you can afford to pay.
    Step 4: Maximize your monthly payments

    In the past there`s been some wisdom to drawing out the payment process as you could often earn a greater interest rate on your money than you were paying on your loan. Given the current economic climate that logic goes out the window. Once you`ve analyzed your spending and reduced your overhead you need to figure out the maximum you can afford to pay.    3
  • img_set a realistic timetable for yourself this is very important. if you`re not realistic about the amount of time it`s going to take you to pay these things off, you`re quickly going to feel defeated. if you maximize the amount your paying and track that out and start crossing off the days you`re quickly going to feel a real sense of accomplishment.
    Step 5: Set a realistic timetable for yourself

    This is very important. If you`re not realistic about the amount of time it`s going to take you to pay these things off, you`re quickly going to feel defeated. If you maximize the amount your paying and track that out and start crossing off the days you`re quickly going to feel a real sense of accomplishment.    2
  • img_keep at it obviously you can`t spend every waking hour thinking about paying off your debts, but it`s a good idea to be conscious of your goals here, otherwise you`ll be more likely to slip up. stay conscious of your budget and remember that the goal is to pay the loans off as quickly as possible. if you get a big promotion etc., it might be wise to reevaluate your payment plan and see if you can`t afford more.
    Step 6: Keep at it

    Obviously you can`t spend every waking hour thinking about paying off your debts, but it`s a good idea to be conscious of your goals here, otherwise you`ll be more likely to slip up. Stay conscious of your budget and remember that the goal is to pay the loans off as quickly as possible. If you get a big promotion etc., it might be wise to reevaluate your payment plan and see if you can`t afford more.    4
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Becs
Becs(817 Days ago)This is a great plan, Zach!Flag as Inappropriate
suko
suko(736 Days ago)Love your plan! Congrats on the progress.Flag as Inappropriate
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  • img_ assess your finances the best source i`ve ever seen to help you do this is www.mint.com. i probably can`t recommend this website enough. i have my student loans, credit card, savings and checking loaded into their interface, which allows me to look at my complete financial picture.
    Step 1: Assess Your Finances

    The best source I`ve ever seen to help you do this is www.Mint.com. I probably can`t recommend this website enough. I have my student loans, credit card, savings and checking loaded into their interface, which allows me to look at my complete financial picture.

    1
  • img_do whatever you can to reduce your overhead. for me this meant moving...i`ll be saving about $1,000 a month at my new apartment. for you this might mean finding a car that gets better gas mileage etc. in addition i`m using mint to set budgets for myself on a category by category basis, i.e. $350 for food each month etc.
    Step 2: Do whatever you can to reduce your overhead.

    For me this meant moving...I`ll be saving about $1,000 a month at my new apartment. For you this might mean finding a car that gets better gas mileage etc.

    In addition I`m using mint to set budgets for myself on a category by category basis, i.e. $350 for food each month etc.    4
  • img_do whatever you can to maximize your income in my case this has meant taking on as much freelance work as i can possibly handle. for you that might mean working overtime or weekends or finding a second part-time gig (bartending etc.). this part can definitely seem overwhelming at times, so it`s best if you find a way to do this that`s as flexible as possible so you can take some time away from it if need be.
    Step 3: Do whatever you can to maximize your income

    In my case this has meant taking on as much freelance work as I can possibly handle. For you that might mean working overtime or weekends or finding a second part-time gig (bartending etc.). This part can definitely seem overwhelming at times, so it`s best if you find a way to do this that`s as flexible as possible so you can take some time away from it if need be.    4
  • img_maximize your monthly payments in the past there`s been some wisdom to drawing out the payment process as you could often earn a greater interest rate on your money than you were paying on your loan. given the current economic climate that logic goes out the window. once you`ve analyzed your spending and reduced your overhead you need to figure out the maximum you can afford to pay.
    Step 4: Maximize your monthly payments

    In the past there`s been some wisdom to drawing out the payment process as you could often earn a greater interest rate on your money than you were paying on your loan. Given the current economic climate that logic goes out the window. Once you`ve analyzed your spending and reduced your overhead you need to figure out the maximum you can afford to pay.    3
  • img_set a realistic timetable for yourself this is very important. if you`re not realistic about the amount of time it`s going to take you to pay these things off, you`re quickly going to feel defeated. if you maximize the amount your paying and track that out and start crossing off the days you`re quickly going to feel a real sense of accomplishment.
    Step 5: Set a realistic timetable for yourself

    This is very important. If you`re not realistic about the amount of time it`s going to take you to pay these things off, you`re quickly going to feel defeated. If you maximize the amount your paying and track that out and start crossing off the days you`re quickly going to feel a real sense of accomplishment.    2
  • img_keep at it obviously you can`t spend every waking hour thinking about paying off your debts, but it`s a good idea to be conscious of your goals here, otherwise you`ll be more likely to slip up. stay conscious of your budget and remember that the goal is to pay the loans off as quickly as possible. if you get a big promotion etc., it might be wise to reevaluate your payment plan and see if you can`t afford more.
    Step 6: Keep at it

    Obviously you can`t spend every waking hour thinking about paying off your debts, but it`s a good idea to be conscious of your goals here, otherwise you`ll be more likely to slip up. Stay conscious of your budget and remember that the goal is to pay the loans off as quickly as possible. If you get a big promotion etc., it might be wise to reevaluate your payment plan and see if you can`t afford more.    4
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