Haven't posted in a while so I figured I should! Anywho, cash will be tight this month. Not due to expenditures or any emergencies...but some unforeseen work events. Everything's fine but I was asked to keep it on the DL. So, because of that, I won't be getting much income this month. I should be ok and won't have to dip into my emergency fund. Actually...I loaned out about $1000 a while back and I should be getting it later this month so, I'll totally be fine.
So lately, I've just been eating a lot at home, reading, playing games and doing things that don't require lots of money. But I've got this urge to be spendy. I was actually thinking of taking up violin lessons. It's something I've wanted to try out for a few years now but never had the chance. And to be honest, something hit me the other day and it hit really uncomfortably close to home. It was from the unlikeliest of places too:http://www.smbc-comics.com/?id=2722
I realized I wasn't doing enough to "better" myself or at the very least, make me a more interesting person. I spend far too much time playing games that really don't do much to stimulate. D&D and WoW at least are outlets for socializing. So, I realized that I really should focus my time on things that would improve me and give value to my life instead of playing another round of Civilization V or looking at another cat pic on reddit.
I don't feel "drives" like this often. I think the last time I felt it was when I was in Pensacola. The need to leave that place was overwhelming and I had to listen to it. But the good thing is...every time I've felt these urges, it usually worked out for the better. Mostly because I refuse to accept any other outcome. The difficulty lies in figuring out what I can afford. But I want to tap this urge before it goes away.
Violin lessons + violin rental is about $150 a month, 4 30 min sessions a month. Not too shabby. That's in the realm of possibility. It gets a little hairy when you want to *buy* a violin and when you consider all the other things I'm adding to the bucket list(Am I too young for one of those?). I also want to learn piano, learn another language, write a book, fail miserably at writing a book, write another, travel the world...etc etc.
I've been debating with myself to not accelerate my student loan payments in order to free up more to use now. I had a thought that always accelerating loan repayment might not be the right choice. Not if that excess money can be used to better myself. And then I thought, "Isn't that what loans are for? To give you the means to increase the value of something?".
I don't think I'll go as balls-to-wall as I did with my HESAA loan. I paid like $300-500 extra a month on that thing. But the leftover loans are huge...it's a slow and steady race when it comes to those. I'll add a little extra, but I don't think I'll be attacking them quite as viciously. If I did...it'd be a long miserable slog. I think I estimated it would take 6-8 years of all my discretionary income(retirement/savings included) to wipe it all out. 8 years of that would not be very fun.
Anyways, please excuse the "writing out loud". I think I've finally come to a point where I have a direction with my personal finance other than repaying debt and watching my pennies. Thanks for reading