Okay. It's been quite a while. I had a reader story and question on the blog (http://www.getrichslowly.org/blog/2011/06/05/reader-story-and-question-financial-health-vs-mental-health/
) in June.
Mostly, things haven't really changed. I've been applying to a lot of better full-time jobs, but I haven't had success yet. I was interviewed and turned down for a job in July. I'm currently waiting to hear back after an interview last week for two jobs (super similar, so they are filling both through the same interview process). These are jobs I would actually really want; jobs in libraries. The jobs I've even been offered interviews for are jobs in libraries, even though I am applying more widely.
I've been looking for part-time jobs and applying for them, too, but this is more difficult than I thought it would be. I still think that it would be easier to get a part-time job application-wise, but I have a hard time finding job openings that would work with my schedule. (I work regular full-time hours, but I also have about 8 healthcare type appointments in the evenings after work every month.) I applied to Leapforce and never heard back. I've signed up with a few freelance websites, like Elance, but I haven't done anything with those. There are a few reasons for this: I am fine at doing work at work, but after work, optional work usually gets passed over in favor of sleep; I create way too many projects for myself (I have such a hard time changing this, even just thinking how to reduce my projects to a "bare minimum" seems to be way more projects than most people have. I don't even understand how people aren't doing things. This baffles me.). I do still want to sell things I've made, but I've put that on the backburner for now because it will be a lot of upfront work before it starts actually making me money. It makes me nervous to do that upfront work and fail, possibly for some crazy reasons (I'm not really sure). At the very least, I would be spending some money upfront, even though I already have most of the supplies I would use to make things.
Right now my loans are down to ~$71,000. That is ~$35,000 of principal paid in just under 3 years, including a $5,000 inheritance. It is really really good progress. Yes, I see that and I know that. But it still doesn't help me move out yet. I have ~$5,500 remaining on the loan I've been focusing my snowball on. I figure that with my average monthly payments and 2011 tax refund, I should be able to finish that off in ~5 months. That would reduce my monthly payments to ~$510/month, but that still doesn't leave me with enough money for a rent payment on my current income.
In September of 2010, I made a little paper chart to graph my total debt. I drew a line to represent my expected debt reduction according to what my minimum payments were in September 2010, which was already ahead of schedule compared to what it would have been when my grace period ended. Since September 2010, I am $10,000 ahead of schedule. Again, super great. But not enough.
I'm still miserable at home, but I've been spending less time home and awake lately, which makes it a little more bearable. Major reason: my first boyfriend(!).