As we close in on mid-month, it has finally started to cool down in Omaha. Yesterday's high barely hit 75, and I have my window open at 4am as the temperature outside is, purportedly, 60 degrees. Fall is definitely here. The NFL season has started, WVU has won their first two football games of the season, the Steelers play today and the Chiefs play tomorrow night. Yes, fall is here.
To celebrate Labor Day weekend last week, Daisy and I pored over sales and ran comparisons between models, but I am happy to report that we are having a 65-inch Roku TV delivered and mounted, professionally, on our bedroom wall later this week.
Did we need a giant (ten inches larger than our downstairs television) TV mounted on our bedroom wall? No, but we've been talking about it for years. I would've been happy with a smaller model, but Daisy wanted the big wall, movie theater experience if we were going to do it. So I said sure, fuck it, let's do it.
And then a week after we ordered it, we got text message notifications that we both had 11am dentist appointments on Friday -- the day the TV folks are supposed to come anytime between 7am and 7pm to put the TV up on the wall.
We're debating on whether we should just cancel the appointments -- they're just teeth cleanings -- because rescheduling a delivery and install of the TVs will be hella difficult, and Daisy does not know whether she will be able to take the time off work for the appointments anyhow (the appointments were made long before she was in the position she is in now within her job).
I, on the other hand, was going to just be here and take care of the install guys myself, handling it and making sure they were supervised and the cats were out of the way -- because, honestly, how long could it take to drill a mount into the wall and put a TV on it? Ten minutes? Fifteen? We could've done it ourselves but instead of mess with the hassle, Daisy and I both decided to not stress about it and just pay the experts to do it.
As for the dentist, that's up in the air. We already have our next set of appointments after these ones set for March anyway. It is what it is. I told her if she can't get off work for our appointments or if it would be exceedingly difficult to do so, believe me, I have no problems canceling a teeth cleaning. It saves me from needing to leave the house on a Friday.
Because, folks, that's the type of lazy I have become in my old age. I don't have to leave the house and play a game of "who's in my mouth?" while HGTV blares above my head in the dental chair? Okay, cool.
Truth be told, there's a lot of things I need to be doing this fall, and especially this month -- for one, I have not created the Christmas cards yet. I wanted to do it tonight, but I am now too exhausted to do so and would not be able to make good judgment calls at 4am. For two, I have bills I need to assess and pay. Again, too tired tonight at this juncture to do math. And the third thing I have to do is...I have to figure out my new student loan repayment plan before the end of the month.
That last one is a big one.
Because they canceled the SAVE plan I was on for income-based repayment, we got notices a few months ago that after July 1, we would be told by our loan servicers that we'd have a 60-day window to login and select a new repayment plan for our loans. I'm sure if you have student loans, you know exactly what I'm talking about. Well, I was on an income-based repayment plan and I was paying something like $200 a month for my loans -- which I was fine with, I guess. It was an added expense every month, but it was what it was.
And then Covid hit, and everyone's payments were put on hiatus and/or were thrown into forbearance. And...it didn't end. I think I made one payment after Covid hit, and it was done the week before everything had been put on hold. Well, once I select my new payment plan, that hold finally comes off and for the first time in well over five years, I will be paying on student loans again. Except, well, that income-based repayment plan likely isn't going to work for me anymore as I now make a lot more money than I did when I last tried to recertify that plan.
"Your bare minimum is going to be something like $300-400 a month," Daisy told me last weekend, after doing some rough calculations.
"My goal," I said, "is to pay the bare minimum possible every month until the remainder is discharged."
There's something like a 15-year stipulation for student loans for undergrads and, I think, 20 years for grad students, where anything past that point just gets waived/discharged. Covid helped that for us big time, as did the court battle for the SAVE plan putting us back on hiatus. 2033 would be 20 years for me. So that's what, six years and change? Psh, if I have to, I should be able to handle that. And, likely, it won't even be that long as we should elect a Democrat president in 2028 who will likely wipe out the vast majority of student loan debt anyhow. I'll roll the dice on that, sure.
I will note here that I took those loans out in the long-long-ago, the earth-that-was, in 2010 -- and I took them out because I needed to eat and put gas in the Monte Carlo while I was in grad school. I needed to keep the lights on, I needed to keep food in the fridge and in the bowls of the cats. It wasn't like OMG, I can get free money from the government? Okay! It was a necessity for survival. And I knew even then I did not and would not want to pay them back when they came due. I was right there.
Shit, I'm 43 now. Back then, I didn't expect to live past 40 in any real reasonable fashion, ever. I would either drink and smoke myself to death, I'd die in a fiery car crash, or if neither of those things happened, I would likely -- at some point, anyway -- off myself. None of those scenarios entailed doing it after age 40. I was, after all, desperately alone and lonely and didn't see much of a future for myself outside of being poor and teaching class after class every semester until it was time to die.
You know, figuratively, anyway.
Fast forward to today and life is very different, but still.