If you have been around a while, you might remember me buying this car. At the time I took a 72-month loan on it, which I’ve been told is an unwise decision under nearly all circumstances, but whatever. 72 months from the purchase of the car would have been July of 2023.
It is currently March of 2022 and as of today my car is paid off. $237 a month back in my pocket. Awesome.
I am still waiting for my student loans to go away, which is likely to take a bit longer, but will still probably be done by the end of the school year. That’s another $545 a month. After that I pretty much just have the house and a personal loan to take care of (and “take care of” is a bit of an understatement, if I’m being honest, as they’re both pretty sizable amounts) but once those two are dealt with I will be debt-free, and getting rid of the car and the student loans will make an enormous difference, especially since I’ve been channeling every spare dime into paying for the car for the last six months or so and don’t have to do that any longer.
God help me, but that almost feels like cause for optimism. Time for the entire frame to fall off my car!
Pictured above: my original,loyal Das Keyboard, which provided me with seven years of service before something underneath the left half of the keyboard cracked while I was trying to fish a piece of debris out of it. Underneath: its replacement, which arrived today and is effectively the 2022 model of the same keyboard, except specific for my Mac and also featuring Cherry MX Brown switches instead of the Blues that were in the original keyboard. While I am a big fan of clicky keyboards, and Blue switches are the clickiest keys currently on the market, the fact that my wife and I are still frequently in the office together when one or both of us is in a meeting means that my preferred kind of keyboard is actually kinda rude compared to the standards of way back when I purchased it.
(Discovers, accidentally, that the crescent moon button in the upper right actually puts the computer to sleep. Whoops?)
Anyway, the media stuff has been moved to the top right there, away from the function keys, and I think I actually prefer the volume wheel, and the top layer of the keyboard is actually aluminum instead of plastic, and the riser that lifts the keyboard up to a proper angle is magnetic and has a ruler molded into it for some reason, but other than that, it’s still a keyboard! I’ve only typed the words you’re seeing on the screen right now with it, so it’s not like I’ve put the thing through its paces, but it’s not like it takes a lot of breaking in to decide if you like a keyboard. Mechanical keyboards are still the way to go for me, and I hate wireless keyboards– this one also has a USB 3 hub built into it, so that’s an improvement too, but it means the wire is required– but the key travel and bounce are both pretty damn good and the sound, while not as loud, is still pretty pleasing, and I don’t feel like I’m making a lot of errors while I’m typing, so everything’s doing what my fingers expect them to be doing. I just took a couple of typing tests and they came out at 85 and 91 wpm, which is a trifle slower than I’m used to, but it’ll do.
It is possible that I have made my last student loan payment. Not guaranteed yet, mind you, but possible. My loans have officially been consolidated, meaning that the current worst case scenario is that my payments are eventually around $330 a month instead of the $545 I’ve been paying since 2005. Since the government has my loans now, I’m automatically part of the suspension of payments program that’s been going on for the duration of the pandemic, so I won’t have to make that first payment at the new amount until May.
However, my application to have my loans forgiven through PSLF has already been submitted, too, and that’s supposed to take no more than 90 days for the full review, and once that review happens they’ll find that I’ve made well more than the 100 required qualifying payments. Loan payments start back up on May 22 (assuming that the program isn’t extended again) and that’s more than 90 days away. So while on paper I still owe a shitton of money, I’ll be saving those payments for the next couple of months (and putting them toward my car, which I expect to have paid off very soon) and the loans may very well be officially gone before I actually hit the day where I’d have to start paying the reduced amount.
This … is a real big deal. Real, real big.
Juuuuust in case you’re somehow not aware of it yet, I’ve got this little streaming the video games thing going over on YouTube, and I just started this cool little game called Dandara: Trials of Fear, so if you haven’t checked the channel out you have an exclusive chance to click on this link and then go be my 115th subscriber. C’mon, you know you want to. Even if you don’t really use YouTube all that often. Hell, especially if you don’t use YouTube all that often, because then it doesn’t even throw annoying videos you don’t want into the feed you’re not looking at. Go check it out.
I think I’ve ordered an Xbox Series X, to be picked up Friday from my local Best Buy. I’m not sure I actually believe it, though; I’m fully expecting to get to Friday afternoon with no notification that my Xbox is ready to be picked up, and the craziest bit is that I still haven’t completely convinced myself that I want one. The thing is, the new consoles have all been insanely hard to find– I literally camped at my computer and hit Reload over and over on Walmart.com to get my PS5, and for this Xbox I think I just had some phenomenally lucky timing. Assuming, again, that it’s not a hoax.
And here’s the thing: I’m going to get a Series X eventually, because of Bethesda. Microsoft bought them, and word is they’ll be exclusive to the Series X for a while, and I want to play their games. And I’m sure there’s a ton of indie stuff out there that’s Xbox-only, because I keep hearing about how good Microsoft is for indie developers. But, like, right now? Hell if I know what my first game for this thing is going to be, and it’s entirely possible that I’m going to bring it home without any plans to buy any particular games for it. There was a reason I was able to skip the entire Xbox One generation: there was never a single game that made it feel worth it to try and buy the console. Which, given that my Xbox 360 and my OG Xbox were both beloved consoles, never really made any sense to me. But, like, everything I want to play right now is on PS5. I can play Halo Infinite, I suppose, but skipping every Halo game since Halo 3 didn’t bother me any, so I think I can probably do without this one?
(Don’t come at me about which console is “better.” The better console is the one that has games I want to play. I don’t even know what a teraflop is and I don’t care which console has more of them.)
I recognize that this is the most First World Problem ever– waah waah I have the opportunity to spend hundreds of dollars of discretionary income on an expensive electronic device and I don’t know if I wannnnnnaaaaaaaaaa!!!11!11!one!!!! but it’s, like, genuinely bugging me. Right now I’m leaning more toward cancelling the thing than picking it up, which will mean that I’m not spending a ton of money right now but will still ensure that I’m spending the money later, because again, I’m going to want one of these eventually, I just don’t necessarily want it now. Like, if I come home with an Xbox Series X on Friday it’s going to have dust on it by March, I think. But … like, okay? Is that really that big of a deal? I’m taking up some extra desktop space for something that’s going to future-proof me for a while. It’s not like I don’t have the money; if anything, I’m in a better financial place right now than I’ve ever been in my life, and that’s only going to improve over the next few months unless something catastrophic happens.
At which point if they’re still hard to find I can try and flip the damn thing on eBay for $1000 or some shit like that, I suppose.
I promised myself some time ago that, once my credit cards were all paid off, I would reward myself with a lightsaber. Well, I’ve held a $0 credit card balance for a few months now, minus a couple of reasonable things (I paid for the hotel last weekend on one of my cards, then came home and immediately paid it off) and … well, I haven’t ordered a saber yet, because I’ve managed to convince myself I’m still in the “research” stage, thus preventing me from dropping $500 on something that is the absolute pinnacle of “meaningless nerd cruft I don’t need.” Shit, I don’t even know if I like Star Wars any longer; one of the many ways the last several years have sucked is watching a number of things I used to love turn into even more entries into the “shit that makes me tired” category.
But I don’t want this to be another obnoxiously maudlin post; I want to focus on the fact that I am remaining (somewhat) financially disciplined by 1) not wantonly ordering a lightsaber today and further 2) determining that there must be at least twice the cost of said lightsaber in savings before said lightsaber is ordered. Which, okay, isn’t going to hold me for long, but kept me from spending money today.
The above, by the way, hasn’t yet achieved the status of “my lightsaber,” because 1) if it’s a fixed color, the blade is going to be yellow and 2) I’m serious about reading a ton of reviews and doing research here, because I am doing this once and I am not about to start a collection of these fucking things. It looks like the saber I had my eyes on when I first started thinking about this has been discontinued, as I foolishly didn’t bookmark it and now I can’t find the design anywhere, but I don’t want one that looks exactly like one of the official ones. It won’t be unique, of course, as these things are mass-produced, but I don’t want a fellow nerd to be able to look at it and recognize it as Plo Koon’s lightsaber or some shit like that.
I probably ought to put the whole thing off until after I know if there’s going to be a teacher strike later this year, shouldn’t I?
It’s left me a bit worried about tomorrow, honestly— not only did my kids handle both of their two assignments today with aplomb (I think literally every single student turned their assignment in today, which is unheard of) and not only did my meeting with the grandmother of Not In My Class Anymore Kid go quite well, but Not In My Class Anymore Kid really isn’t in my class anymore. I was half-expecting admin to try and reverse the decision but they didn’t. There weren’t even any real discipline issues today! On top of all that, I’ve seen my pay stub for tomorrow, and it’s unexpectedly about twice what it normally is, because not only have they finally started paying me for being the 8th grade team lead again, but I got back pay for it, and half of my money for the TLT team came through unexpectedly.
Am I looking for something to blow some money on? Yes. Yes I am. I paid off a couple of things already and about half of it is going into savings but that still leaves a nice little chunk of change that I can use as mad money.
I’m going to end up blowing it all on roleplaying materials that I’ll never read, won’t I?
Anyway, I’m going to go curl up with a book and hope that I won’t pay for all these good vibes tomorrow.
…and then ruin them by relating them to Dungeons and Dragons.
Folks, as of today, technically, and definitely as of Saturday when the payment will officially go through, I have no credit card debt. This has not been true at any point since I was in college– probably since my freshman year, in fact. Said credit card debt was at one point north of thirty thousand dollars and it is now gone. Now, I’m not free of debt itself by any means– there is a mortgage, and a car loan, and my student loans, and another installment loan at a very low APR that I used to make a large chunk of that credit card debt not credit card debt any more. But this is still a Goddamn milestone; I don’t owe any money to actual credit cards any longer, and every debt I have is on an installment plan where I can point at a date on a calendar and say “This is when that will be repaid.”
Except not really, because now that I’ve got the money I’ve been using to aggressively pay down credit card debt back in my pocket, I’m going to start working on the car. I think I can actually afford to make my car payment twice a month now and still come out ahead from what I was putting into credit cards. That’ll have that paid off in a little over a year, I think. After that, assuming I don’t lose my job or have some other shit life event, things are going to seriously change. I will be moving into Actual Discretionary Income territory, which … well, I know it probably seems like I already spend money whenever I want to, and yes, I’m saving up for a criminally expensive lightsaber as a Paid Off My Credit Cards award, but … this is still a big Goddamned deal, y’all.
I just gotta remember to spend the rest of my life not being stupid now.
First, that it is 7:30 PM, and I probably ought to blog today;
Second, that I am officially closer to retirement than I am to college, even assuming I wait to 65 to retire;
Third, that my student loans are due to be paid off four years prior to said 65th birthday, which should be a crime;
Fourth, that even if the notion of living another 20 years much less teaching for that long is difficult to wrap my head around, I probably ought to take this retirement thing seriously since I have, y’know, a wife and child in the mix now.
In case you can’t tell, I met with a retirement … dude, of some sort, at work on Friday, and several mortality-confronty sorts of things were discussed, and then this weekend I managed to keep my shit together long enough to dig through the folder that I throw anything even vaguely investment-related into and find not one but two different investment-related accounts that appear to no longer be receiving active contributions; I did some strategic scanning and sent them off to The Dude with a note attached that basically said I don’t know any of the money words, please help and we will see if anything happens. I have never really believed in retirement, to be honest; not in the sense that I don’t want to eventually quit working– I want to quit working now— but in the sense that I suspect any money I “invest” in my “future” will be stolen or siphoned off somehow before I’m able to actually benefit from any of it.
Today also included mowing, putting all my laundered clothes away like a big boy, finishing a book, starting another one, getting my grading done, writing a number of important emails, and a couple of videos recorded for The YouTubes. All in all, not bad for a Sunday.
You may recall that I turned down an opportunity to teach summer school in June. Now, despite everything I’m about to say, the reason I turned that position down remains true: that by the time they got around to offering me the job, we had signed our son up for a bunch of summer camps and I’d signed up for National Board Certification, meaning that I now need to cram four years of high school mathematics into a summer.
That said:
There are twenty days of summer school, six hours long each, and I was originally under the impression that my hourly rate was around $32.(*) That would mean that I’d have made $32 x 20 x 6 = $3840 before taxes. Which isn’t nothing by any stretch of the imagination, mind you, but it wasn’t quite enough to get me to back out of stuff that I’d already committed to or screw up my kid’s summer.
Then I found out my actual hourly rate is $41. I’m not sure how I fucked up that calculation, but that means my actual pay would have been $41 x 20 x 6 = $4,920 before taxes, and at that point– I discovered this after I turned the job down– losing out on that money starts to hurt a bit.
Well, they’re having serious trouble finding teachers– because I’m not the only person who took the two-month gap between applying for jobs and finding out whether they’d been accepted as a reason to find other summer plans– and the union and the district just signed off on increasing the summer pay to seventy fucking dollars an hour. Which is over twice the original rate I had calculated and would have meant a whopping $8400 before taxes, enough money to kill my last remaining credit card bill and put a substantial dent in the amount of money I owe on my car.
And … well, now I’m pissed. I mean, I’ll get over it, and I’m still not screwing over my son, but … shit.
Anybody want to hand me a big pile of money for no particular reason?
(Also, shit, how much Covid money must my district be sitting on right now, that they can even contemplate this level of pay? Holy shit.)
(* And before anybody jumps on my case for being a math teacher and not being able to calculate my own hourly pay: it’s not as simple as dividing my salary by 52 and then however many hours of pay I get in a week– first of all, it’s the actual number of weeks we’re paid for teaching in a year, a number I don’t know off the top of my head, and secondly, at least until recently anything that was paid on an “hourly” basis was actually paid at the scale of the lowest-paid teachers, not actually on my individual hourly pay, so the “hourly” for all the teachers in the district was the same. They’ve apparently changed the formula at some point and I didn’t notice.)
