That's what I'm trying to say to Sallie Mae, which is now called Navient and ACS in 2015. I've never defaulted on a payment and even though, they aren't exactly breathing down my neck to pay them faster, something about the idea of paying off my debt is SO liberating and I want to do it and I want to do it NOW!
So in 2015, I'm turning in my leased vehicle. I'm saving money on a car note, insurance, gas, a yearly sticker for the city of Pittsburgh, a yearly sticker for the state of Pennsylvania, parking fees at work, parking fees at my apartment, COSTS FOR REPAIRS FOR ALL THE IDIOTS WHO HIT MY CAR, etc.
I'll probably spend a bit of money on Zip Car or a once-a-month car rental or throwing friends a bit of gas money for coming to pick me up from the airport (or I can just hop on the bus that lets off two blocks from my house. It costs $2.50).
To accelerate my payments, I'll be adding all the money I save to my disposable income and dropping it like it's hot on my student loan payments EVERY. MONTH. next year.
This year I did that, but got a bit off budget/schedule in the summer. Lots of trips and shopping sprees and good living.
Here's what I think the difference will be. Every time I'm standing on a bus stop angry that I'm not in my warm car, I'm going to remember WHY I'm doing this. And hopefully, every time I'm in a mall or shopping online, I will remember freezing my tail off at the bus stop and remember my motto for 2015:
I don't need clothes. I need closure. It's been 10, almost 11 years since I graduated and they have gotten all the interest they're going to get out of me.
Bout to hit 'em with that NSYNC BYE! BYE! BYE!