So I've set up my 4 student loans to come due at different times of the month - especially important to balance out from my rent payment and car insurance payment.
Currently we've got
Loan #1 the 1st of the month
Loan #2 the 14th of the month
Loan #3 the 21st of the month
Loan #4 idk - only been paying this one for a month
Soooo essentially, making this many separate payments each month makes me internally feel as though I've got the loans for each month covered. Until I call in to make a payment and find out the amount is 2x or 3x what I expected - meaning the due date has passed and they want multi payments now!
I'm crying inside thinking about all of it. I've signed up for so many "paperless statements" that I don't know where the information about payments is kept. Each website has separate requirements for passwords and usernames, and I'm absolutely sick of technology - especially since my money is only ever numbers on a screen.
At least, my new excel spreadsheet should help me track payments more easily. But writing it into a spreadsheet is not going to help me get money in the bank to back these scheduled payments.
I just want to get to a place where I can DECIDE where my money goes! I am sending 600ish dollars to student loans each month to pay loans with 4-8% interest when I really WANT to send about 100 bucks to them and $500 extra to my 29% card. Why wouldn't that work, student loan people?
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