January 28, 2022 marked my one year anniversary of paying off my student loans . Reflecting back on choosing to pay off my student loans leaves me with several take a ways that I want to share with you! In September 2020 I decided to become debt free by utilizing the debt snowball method to pay off all my debt. Before this I had struggled to save and really understand basic financial principles. As a first-generation college student, I received a scholarship to attend undergrad for free, but the scholarship did not cover summers. During the summers I took out student loans to cover costs without paying interest rates or how much I was taking out. By the end of undergrad I had amassed a little under $17K. Fast forward to graduate school I received another scholarship that covered my education. At the time I was a teacher in a new very expensive city and I had missed the cutoff to have my paycheck last me throughout the summer. So, I decided to take out a loan for two summers to keep
Figure 1 :This is a YouTube thumbnail of me cleaning the baseboards. We are less than 48 hours from the new year and I’m doing what I typically do around this time of year, cleaning and organizing. My deep cleaning consists of organizing my cabinets, sweeping, mopping, and throwing things out. One of the things I am focusing on are my baseboards. In case you're wondering, the baseboards are sometimes called mop boards or the trimming around the lower part of your walls.I have a particular disdain for this area as it involves a lot of bending, stooping, and old fashioned scrubbing. Dust loves this area and often accumulates here if you don’t clean it on a regular basis. When cleaning your baseboards you will need the following: A dish cloth and cleaning gloves Any household cleaner or soap and warm water Once you grab these things you want to spray your dish cloth with your household cleaner and wipe in one direction. Make sure you don’t wipe too hard as to not chip any paint bu