Status update, mini-milestone, and coming to terms with the cost of hiking

May 26, 2012 at 8:58 am (Uncategorized) (, )

No big topic to post about, but a lot of updates and musings to bring up. I’ve had some juicy overtime the last 2 paychecks, and one more to come. The last one I worked from 8:30 am to 10:45 at night!! My last 2 paychecks have been much larger than usual, which has allowed me to top up some of my savings, pay a bit towards the loan for my road bike, and pay a ton towards debt this month. I’ve gotten my SBA loan down to below $13,000, which is very satisfying! Having it be maxed out near $30,000, and not being able to touch it much, until all other debts were paid off, has made it seem a bit insurmountable. But since the interst is so darn low, it’s just sat there, untended…until now. Anyway lots of satisfaction in throwing all extra money towards diminishing it to zero is quite enjoyable.

I’m ok with having the zero interest loan for the road bike (for 6 months). While it is slowing down my debt payments, I was/am not willing to put off buying it for 1 1/2 – 2 years. The enjoyment I’ll get out of it is worth the delay in debt payment. However, my intention was to sell my old, unused road bike (that has the shifters on the frame not the handlebars and which I’m terrified to ride/use). I haven’t even done that yet. I have to clean it up a bit before photographing it and posting on craigslist, which is why I haven’t done it up ’til now.But now that I’m thinking about it, I will do that tomorrow or Monday.

I’m splurging a little this holiday weekend. I went out for sushi last night, which I had room for in the budget, and thoroughly enjoyed myself. I may also go for a movie later this weekend. Oh and of course my big drive/gas expenditure yesterday (see next paragraph for an explanation) – otherwise it will be a relatively normal weekend. Hanging out with friends and having a big meal and wine, but not too expensive in the grand scheme of things. Not quite sure if it’ll happen, but if there’s any money leftover at the end of the month, I am going to split it between debt and my emergency fund, which has been growing v-e-r-y slowly. I’d really like to get it up to $1,000 so I can leave it there untouched and unused. I realize that if I push to get it up to $1,000, then there’s a greater chance I’ll have to use it sooner than later, which sortof defeats the purpose of having it. So I’m doing it slowly, balancing between my normal spending, and other savings goals (like my upcoming $1,000 car maintenance/timing belt change in the next 2 months).

I took Friday off before the 3-day to have a more mini-4-day-vacation, since I never take time off. I drove up into the mountains and went for a hike. I realize that while I enjoy hiking, and have done it exensively in the last 2 years, I think I enjoy spending time with my girlfriend/hiking partner just as much as being there. You can cover a lot of ground on a 4-hour round trip drive and 4-6 hour hike! She can’t really hike this year, since she’s recovering from really bad planter fasciitis, so I either have to go solo, or don’t go. Well, this makes my 3rd hike so far this year, which is pretty pathetic compared to my previous 2 years. I’ve been doing it more for fitness reasons than a desperate urge to get out of town and into the green forests. Yesterday I realized that maybe I don’t have to do hiking as much as I used to. It’s ok, I can do other things, like concentrate on going for bike rides in and around Seattle! Especially when I look at my gas spending, which is significant, to get to the hiking destinations – I drove 260 miles yesterday. For a single day of activity. It was great when it was 2 people alternating driving and paying for gas. Now it’s just me. So I think I may hold off on going hiking as much as I feel I ought to, and in turn reduce my gas spending and stay in town, and overall be a little happier, or at least not beat myself up when I don’t get out.

Gas prices – 1
debtmaven – 0

That’s all I have to report.
debtmaven out


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