Small Electric Bill and Big Gas Bill

My latest electric bill was only $11.14 for 50kwh of electricity.  My gas bill was $84.72 which was larger than I expected.  I keep my thermostat low but my apartment is poorly insulated and drafted.  My furnace looks to be quite old and is probably not very efficient.  For now I have to have gas since I can’t do without heat.  Sometime in April or May though I will once again cancel my gas service.  Next time I move I’ll make sure the place has electric heat.

My Debts

Here is a summary of my debts now that I have my credit cards and student loans paid off.  This amount will be going up next month when my new student loans are disbursed.

Grad Plus

$16,691

8.5%

Access Group Stafford Loans

$19,594

4.75%

Nelnet Stafford Loans

$19,240

6.8%

Total

$55,525

 

I'm Still Here

Sorry I haven’t updated much lately.  The bad weather has been making me lately.  I was going to post today but I locked myself out of my apartment which wasted a lot of my time.  I’m working all weekend so it will probably be Monday before I can make an actual post.

I’m Still Here

Sorry I haven’t updated much lately.  The bad weather has been making me lately.  I was going to post today but I locked myself out of my apartment which wasted a lot of my time.  I’m working all weekend so it will probably be Monday before I can make an actual post.

Private Student Loan Paid Off

I just sent a payment of $507.99 to Wells Fargo to pay off my private student loan.  Now my highest interest loan is my Grad Plus loan at 8.25%.  I probably won’t pay anything more on my student loans until I finish school.  My plan for my extra money now is to max out my Roth IRA.  Since this is my last month of working before returning to school I need to contribute all I can now.

November Expenses

Here is a breakdown of my expenses for November.

Household

$437.02

Utilities

$82.79

Transportation

$300.35

Food

$101.72

Entertainment

$155

Medical/Dental

$122

Student Loans

$500

Total

$1698.88

Medical/Dental should go down this month because I won’t have a dentist appointment.  Transportation should be down this month because November’s total includes paying for six months of insurance.  Student loans will be up because I’m paying off my private student loan.  Everything else should remain roughly the same.