Renamed: Student Loan Deferment thread.. haha

OMG... We're down to a year?? when did that happen?

Look at the weather.. Im beinging to wonder if it's going to be too chilly to go outside for photos..

Im so excited...

I still Need:
Limo
Shoes
Favors (maybe)
BM need to order dresses
Hotel block
Wedding Night Hotel
Honeymoon (perhaps belated for the following spring - not sure yet)
Invitations
Toasting Glasses
Hair/Makeup
Tuxes to be picked out


Ok, when should I start freaking out?

Message edited 10/1/2003 2:10:43 PM.

Re: October 2004 Brides.. where did the time go?

You are so far ahead of me, that if you freak out, I have nowhere to go but completely postal!! I can't believe I'm getting married a year from next Friday! I'm worried about the weather, too, but I do remember someone saying that the Farmer's Almanac said next October was going to be warmer (yay!) and wetter (bleh) than usual.

I have GOT to get moving on this. I want all the major vendors booked by the end of the month and I don't know if I'll be able to do it!

Re: October 2004 Brides.. where did the time go?

I hear you! Today is exactly 1 year to our wedding!!!

I am kinda freaking out, we still need to book:

DJ
Limos
Order BM dresses
Find a Seamstress
STDs
Hair/Makeup
Flowers
Hotel for Out Towners
What else????

Plus as ther months past by and I book more I see more $$$ I have to pay!!


I can totally relate.

Just think we all have a year to share ideas, vent, and stress together!

Tara :)

Re: October 2004 Brides.. where did the time go?

Yeah that money thing is killing me.
We (FH&I) went out for Japanese last night to celebrate our one night out of two nights out a month. We've decided that for now we will only eat out twice a month and take Peanut Butter & Jelly sandwiches to the offices to save more money.

We're trying to dwindle our grocery bill to $25 a week. That's supposed to include lunch & dinner for 7 days. Thank god its cooler now. Soups for lunch don't sound as bad.

Think Im going to try Crystal light again. See if I can find a flavor I like. It's cheaper than bringing cokes to the office.

All that and I can only HOPE to have $200 a month to parcel out to my vendors. Thank god Music by Michael will let me pay tiny by tiny. He's knows if he gets $50 buck from me every month that I'm trying.

Still... I sweat about it. What if I don't have the money???? *sigh* I HAVE to find a way!

Re: October 2004 Brides.. where did the time go?

Im actually thinking of going over to my local Barnes & Nobles to find out if they need Holiday Help. Just to help pay for the wedding.

Still not sure if I can pull that off. I have a heavy work load for the last quarter that sometimes keeps me late, physical therapy for my knee 2 to 3 times a week and then a part time job maybe? Whew.. this is gonna be one hell of a special day I'll tell ya that!

Re: October 2004 Brides.. where did the time go?

It will be worth it! The money thing worries me, too. I think it worries all of us. I just opened an ING account w/FH so that I can have funds automatically deducted from both of our accounts to start the real wedding savings. I don't have any catering money due until next month, and that's only $1000, but I would like to be able to pay a little more each time so that I can pay it off sooner. I have to pay every other month or so. I gave Michael the full 20% deposit which leaves me with payments of $100/month for the next 12 months. That's not a big deal. HOWEVER, I still don't have a photographer/videographer or florist, so who knows how many payments I'm going to have to make every month!

OK, now I'm freaking out again, because I also have to pay half of my salary towards student loans every month on top of everything else. Man, now I have a headache from thinking about this. Is one year really enough time??

Re: October 2004 Brides.. where did the time go?

Jann,
stupid question, but...

Have you thougth about getting an appeasment for your student loan? FH did for his. We used financial hardship. Technically he makes plenty, but add up all the bills and the wedding and he makes ZERO. So we got that bill put off until after the wedding.

Just a thought.

Re: October 2004 Brides.. where did the time go?

I don't want to do it. I get some money from the law school towards my loan repayment ($3500 this year, $7000 next year) because I work in public interest and make next to nothing, plus, in order to forbear my loans for any period of time, I have to use a deferment first of 6 months and I only get two of those for the next 30 years and don't want to waste it. I figure that should be saved just in case I ever desperately need it (out of work, major catastrophe, etc.). I can handle the loans, for the most part, especially with the money from the school, but it just means that I can't really save all that much and have to rely on FH to save most of it. I also have 15-year and 30-year payouts, and I can't increase the term of the 15-year loan and I don't want to spend 30 years paying off the other, if that makes sense. It's like having a mortgage and I really don't want to have to worry about interest accruing and longer repayment periods. It stinks, but I look at it like a fixed obligation that I can't get around, which has to take precedence over the wedding.

Re: October 2004 Brides.. where did the time go?

yep...
makes sense.. thats why I do insurance instead of law.

Re: October 2004 Brides.. where did the time go?

Veronica,

How did you qualify to defer your loans? What documentation did you need to provide?

Tara

Re: October 2004 Brides.. where did the time go?

peabody - sent you FM

Re: October 2004 Brides.. where did the time go?

Sorry to answer your question to X, Tara, but it usually depends on the lender and whether the loans are private educational loans or Stafford. "Financial hardship" may vary, so your best bet would be to contact your lender.

Re: October 2004 Brides.. where did the time go?

RUDE WOMAN!
hehe
That's exactly what I said via FM so there!

Renamed: Xelindrya is a nutball thread.

If I was a rude woman, I wouldn't have apoligized first. I think it's rude that you sent FM rather than sharing with the whole class...so THERE!

Message edited 10/1/2003 2:12:36 PM.

Re: Renamed: Xelindrya is a nutball thread.

Thanks to you the both of you! I appreciate the info. I am going to look into it, but my gut feeling right now is if I can do it, I am going to keep paying so I can get my student loans paid off and out of my hair!

Re: Renamed: Jannshari is calling Xelindrya mean names

Nutball? And you say you're not rude.. stop using those fancy lawyer terms like nutball!

Dumb uneducated folks like me can't follow!


I went to school only one single year. Really bad things happened and I never finished school.

Hope to start up (yes, from stratch) after the wedding.

My ONE year took me 5 years to pay off. I deferred it around 3 times. Once for only a month, the other two times were for 6 months. Once when I had absolutely no money and could barely feed myself (boy I love my car) and the second was when I moved to NYC.

I kept with it. But it was nice to know if things got rough I could take a break.

Re: Renamed: Xelindrya is a tattletale

Not getting a college degree does not = dumb or uneducated. FH never finished college (I don't even know if he finished 2 years) and he makes way more than I do and also just started his own business. Sometimes, the school of life is far more educational than actual schools are. Needless to say, I have $120,000 in loans JUST from law school that, by the time I'm finished paying off (if I stick with the schedule I have) will be $290,000. I'm thinking I'm the dumb one!

Message edited 10/1/2003 2:59:54 PM.

Re: Renamed: Jannshari is calling Xelindrya mean names

Heh.. just thought about it for a moment.

Im living proof that not having a college degree isn't a handicap unless you allow it to be.

I have three professional designations and a good job. I had to work my butt off each time but it's been worth it. Nothings ever been given to me but all that I have is well appreciated.

Heck! I actually moved to New York City with no job, no job offers and no idea where to even begin. I had no family, ONE single friend (boyfriend who became exboyfriend while I was here) and no place to live. It can be done.

Now my college degree (or the lack thereof) is just really annoying! I see college grad students stroll into better positions that me with no idea how to whip their butts (actually one really didn't know you had to turn off the water facets in the bathrooms "aren't they automatic?" even tho she manually turned it on) .

Hope I can get credit for Life Lived Knowledge. heh!

Re: Renamed: Jannshari is calling Xelindrya mean names

Jannshari,
You're not dumb.. just.. well.. hrmmm.... nevermind
LOL


Seriously I think it's great you finished law school, we always talk about how there's not enough women attornies.

I wish basic college was free. That's all. It always feels like college is really only for the rich and the extra brainy lucky few. The rest of us have to use blood, sweat and tears to finish.

Re: Renamed: I thought we were talking weddings here?

I think higher education should be free...or at least manageable for the average Joe. Thankfully, my parents gave up everything to put me through college (although I feel horrible about that, mostly since my mother doesn't let me forget it). Law school was always a dream for me, but I also knew that I was on my own for that. My loans would have been half what they are if Brooklyn wasn't so expensive to live in. Literally half of my loans financed my life outside of school! Ridiculous!!

And if you knew what I'm making now, you wouldn't even hesitate to call me dumb!

You can at least revel in the fact that you know you've earned your position and that you did it on your own...just the same as you can revel in the fact that you created your wedding and made it yours on your own as well (see how I brought it back around to weddings?)!

Re: Renamed: Jannshari is calling Xelindrya mean names

I feel your pain ladies with the student loans. I feel like I'll be rolling our kids' loans into mine, I feel like I'll NEVER be done paying. Should have listened to my parents and went to a state school, but NOOOOO I knew everything at 17!! But I don't regret getting my degrees one bit. I think of it as an investment, not debt (or at least I try to)!

Message edited 10/1/2003 3:21:05 PM.

Re: Renamed: Student Loan Deferment thread.. haha

Have you guys thought of consolidating your loans. I was paying between 5.5 and 8.75% on various loans (undergrad & grad school) and I just consolidated them into one loan with a 3.5% interest rate. Save me about $80.00 bucks per month. Not a lot but every bit helps!

Re: Renamed: Student Loan Deferment thread.. haha

I consolidated them the second I had the chance. The one good thing I can say about my lender is that for every timely payment I make, they give me a bonus, i.e., they credit my accounts as if I made an extra payment. I think last month I got a $50+ credit on one loan and a $30+ credit on the other. It may not be much, but added up over the course of 15 or 30 years, it's very helpful. And the rates were excellent when I consolidated, which helped greatly!

Re: Renamed: Student Loan Deferment thread.. haha

very cool Jann.

I had something weird happen when I consolidated.

When I went to college I was told I had a Stafford Loan. When Financial Aid said you have X dollars I thought it was all I had so I took half. When I ran out of money I found out why and they gave me the other half. The next semester I got the remainder of my loan.

Bank had me down for 3 loans. Two smaller ones and one larger one. SO I consolidated to one. When they paid off the other two there was a coding error at the bank. I kept getting mortgage loan information in the mail only to later find out (when I bought my car) that the credit report shows I have two paid off mortgages through my bank. How about that for a bonus. It doesn’t take a genius to realize the value of the so-called house would have to have been less than $1000 and couldn’t be right, but I got a lot of good credit based on that mistake!