Debt Repayment… a marathon or a sprint?

Admittedly, I have not been as committed to paying off my loans these past few months as I was when I first started this blog.

As it turns out, this loan repayment business is tough. If you are just now beginning your loan repayment journey, starting a debt-free blog or committing to attack your loans with warrior like intensity, you probably have some lofty initial goals.

Which, in all honesty, is good. I know I sure did. Back in January, I committed to putting my entire 2014 salary to loans and solely living off my side hustle money. I was putting money to my loans like it was going out of style. And then, life happened. Yup. It’s crazy how that works, but sure enough, something comes up. Friends get married, you need new tires, you start a long distance relationship,  you have medical bills…. and the list goes on.

Things happen, they do. But, all of this has got me thinking… to what end am I doing all of this? I’ve been working two jobs for two years now. Teaching Monday-Friday, commuting two hours a day to do it, living at my parents house to be able to put more money to loans, waiting tables almost every Friday and Saturday night and some Sundays. On the little time I do have off, I’m almost too exhausted to do much else, always having to say no to my friends to hang out, or give them “I can’t make it until 11” (at which point I’m pooped).

Typing this out, I realize these are serious first world problems. I have a roof over my head, clothes to wear, a bed to sleep in, food to eat, and heck, even a car, cell phone and laptop. But really, this working round the clock to pay off loans is tough, tough business.

I think it’s time that I finally concede to the fact that paying back student loans is a marathon, not a sprint. I can’t believe I am actually posting that, but yes, a marathon it is. I remember reading that on other blogs when I first start Debt Free Tejana and thinking, NO WAY! I want to clear my debt as quick as possible. Don’t get me wrong, I do, but not at the expense of going crazy trying to do it. So I don’t get my loans paid off by my 27th birthday, you know what will happen? Nothing. What’s wrong with paying them off four months later?

I don’t know. Blog world, what are your thoughts? Marathon, sprint or some combination of both? 

 

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