I decided to use my tax refund that I finally got to pay off the rest of my car loan. The refund was exactly enough to pay off the balance, and I already have an emergency fund, so I wanted to get rid of the car loan with 8% interest on it. Now I own a vehicle worth 22k with only 35K miles on it, free and clear.

Also found out that I can have 5k of my student loans forgiven since I have now been teaching for 5 years. That leaves me with only 11k left, which could be mostly forgiven depending on the Supreme Court decision.

These were the only debts I have.

When I was 18 and opened up my first credit card, I didn’t act responsibly and really screwed up my credit. Now I’m early 30s with a college degree, 2 cars (1 paid off, 1 with 8k loan at %0 interest), an emergency fund and an almost 800 credit score.

Feeling pretty darn proud of myself.