10 Mistakes That Make Cravings Worse

Good article. Let’s not feel too guilty about eating sweets, but I love the idea of substituting for healthier snacks and fruit.

TIME

Cravings—such a dirty word when you’re trying to lose weight or keep it off. No matter what your “I-want-it-now” food is—pizza, burgers, ice cream, cupcakes—you probably wrestle with what you want to do (eat it now!) with what you “should” do (go eat veggies). Unfortunately, it’s true that many of our daily habits actually make cravings more intense and frequent, making healthy decisions harder. That doesn’t mean you can’t do something about it. Learn the 10 biggest mistakes that make cravings even worse to get yours under control.

You skimp on breakfast

Maybe you’re not hungry in the a.m., but eating some calories now can keep cravings at bay later. In one study in the Nutrition Journal, overweight girls who ate a 350-calorie breakfast with at least 13 grams of protein had reduced cravings for sweet and savory foods compared to breakfast skippers. Researchers aren’t exactly sure why, but…

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Journey to Italian Citizenship: Can I still claim dual citizenship if my mother is born before January 1, 1948?

One year ago, I wrote about my personal experience going through the dual citizenship process. I am surprised and thrilled that over 1000 people have read about my little adventure. A few reached out to ask questions, or advice. So, thank you! It warms my heart to see other people going through the same process. It was difficult, but now a fondly remembered adventure.

After studying abroad in 2008-09, I was bit by wanderlust (as they say) to keep exploring. As a citizen of Italy and part of the European Union, I could live and work anywhere within the EU without having to go through the expensive and time consuming visa process. Dual-citizenship opened doors and I haven’t looked back ever since. Have I mentioned I’m getting married, as well? 😉

This post answers MY TOP questions I get asked the most often, which are as follows:   

No. 1: Do I have to pay taxes to Italy and the United States?

marca da bollo
marca da bollo

When I first received my Italian passport I paid administration fees and the “marca da bollo” which means passport stamp. This stamp had to be purchased every year if you travelled out of Italy. For example, when I travelled around Europe (not Italy) no one cared about the expired marca da bollo.

However, GOOD NEWS EVERYONE!

On the 24 June 2014, the passport stamp was abolished! I wish I would have known when I travelled to Italy in July and spent another 42 EUR at the Florence airport. ::glares at Florence:: Ah well, live and learn! At least I know I never have to pay again. 

Other than the marca, I do not need pay taxes to Italy. I pay taxes living and working in the United Kingdom, of course. 

What about taxes in America?

This is not an easy answer, and I will refer you to the professionals on this one. Please see this website for any more information about paying taxes as an ex-pat.

I will note that my income in the UK is not super high which requires you to pay the US government, therefore, I do not have to pay double taxes in the US and UK. I fill out a form, and that’s that. 

No. 2: My mother was born before 1 January 1948, does that mean I can’t apply for Italian citizenship?

Italy loves its laws, and such, two important laws were passed for allow descendants to apply for DUAL citizenship. 

For example, the Law n. 555 of June 13, 1912 was passed partially to help protect minor children from losing their citizenship when their parents naturalized. Before this date, minors (considered less than 21 years of age at the time) lost their citizenship if their parent(s) naturalized in another country. If the ascendant that you are claiming citizenship through moved out of Italy before 1912 as a minor with their parent(s), confirm their parent(s) did not naturalize prior to this date or it could impact the consulate’s acceptance of your application.

The second, Rule 48 (or 1948) meant anyone born to an Italian mother and she was born BEFORE January 1, 1948, could not apply for citizenship. That meant, only fathers could pass the citizenship (called jure sanguinis, right of blood in English). This is gender discrimination against women. 

Now, if you asked me a few months ago, “Hey, my mom was born before January 1, 1948 … can I still go through the process?” I would have shook my head no and said, “I’m sorry. You’ll have to find another way, that’s just the law.” 

But apparently, there is another way. 

Lawyers are challenging this particular discrimination law and are winning. One lawyer in particular, Massimiliano Castellari, Founder and CEO of Castellari & Abogados Asociados, specializes in bringing gender discrimination cases to Italian courts.

I had the opportunity to speak to Massimiliano about his law practice. He is based in Bogota, South America and also operates at his satellite office in Italy. 

“The process itself can take anywhere from seven months to one year. My practice currently helps dual Italian citizens in almost 20 countries, and we’re growing. I help clients obtain documents needed, then facilitate getting them approved by the Italian courts,” Mr. Castellari explains, “The most important piece is obtaining all the correct documents. Without them to show an Italian judge, you cannot begin the lawsuit.”

I appreciate ambitious lawyers like Mr. Castellari. Those who are looking outside the box and helping people achieve their dreams. It’s a specialized field, as only a couple of law firms are challenging this patriarchal law. Although changing the law (at this time) would be unconstitutional, bringing these cases to Italian courts gives clients the approval needed to proceed with their dual italian citizenship endeavors.

I need help with this! Now what? 

If anyone is on the hunt with this discrimination law and have questions, do get in touch. I’m happy to help point you in the right direction and I’m curious to know how many individuals this has affected. You can have a look at Massimilano’s website, also he mentioned he would love to help any North American clients, too. 

Disclosure: I have not been paid for this blog post. All thoughts and opinions are of my own. 

Liebster award nomination

liebsteraward_3lilapples1I’ve been nominated for a Liebster award for my blog by another amazing blogger, Sarah Elizabeth Lane. I’ve never heard of this award, truthfully, but I like the idea behind it. It’s a great way for us newbie bloggers to reach out and connect with one another and it’s a nice incentive to keep writing! Who doesn’t enjoy a gold star now and then? Writing is damn hard, and it’s a lonely occupation. So thank you, my dearest Sarah, for the nomination. I have always been impressed with Sarah’s well-crafted stories, she makes writing look so easy, but we all know it isn’t! Plus, she has my heart as another lovely Italiana. Sarah, you have a beautiful soul and way with words I can only dream of aspiring to, not to mention, your self-effacing humor makes it so darn easy to love you. From the bottom of my heart, thank you.

Now I get to answer some questions! So without further ado, here are my responses. Enjoy.

1. Why did you start your blog?

This is my third blog. I started my first one in the late 90s, another one when I studied abroad in Wales, and now this is my third attempt. Throughout my childhood I kept a journal. I’m not the best conversationalist, it’s just easier for me to write when I want to accurately convey my feelings. I started this blog as a way to communicate with other expats and Sci-fi/fantasy people. Truthfully, I write for myself. I’m not expecting to make money, it’s just a way to express my thoughts and share with the incredibly engaging and loving writing community on WordPress.

2. What was your dream occupation when you were a young child?

I’m pretty sure I changed my mind as often as I changed shirts! Two in particular stuck with me the longest: veterinarian and marine biologist. The vet thing didn’t happen because I couldn’t deal with animals dying around me and marine biology, to be fair, I considered until I was about 18. About then I realized I’d have to go to college for most of my 20s, and I could expect to make pennies on the dollar. It didn’t seem to add up to me. Should I have received a scholarship, perhaps that would have changed …

3. If you could give your younger self a piece of advice, in only two words, what would they be?

PURSUE SCIENCE! I had no idea that I was so passionate about astrobiology until later in life. I’ve read so much about astrobiology. I wouldn’t mind if my career led me to a science writer or communications specialist working at a Space Agency (ESA, NASA, you just wait!). Maybe there is hope for my science fiction career yet …

4. If you could get lost purpose, anywhere, where would it be?

I would love to get LOST in Italy. Florence was so incredibly beautiful, and getting lost was half the fun! All the secret alleyways with beautifully hidden hole-in-wall restaurants. I need another Italy trip. I don’t even want to go to any touristy locations, I just want to go to Italy and EAT.

5. What is your most prized possession, and why?

I still have my security blanket named Dee Dee. This is the only ‘thing’ which has been with me since the start of my life, until now. I’ve lost touch with people and given away objects, but DD has been with me forever. I knew Lewis was a keeper when he didn’t make fun of me and introduced him to DD.  🙂

My goal is to eventually make a quilt and turn the few lasting bits into a square.

6. What is your favorite quote, and by whom?

My mom use to always say, “this too shall pass.” It seems really trite, but it’s become a mantra. Not only will things change (better/worse) but life does indeed go on. It’s an important thing to remember on bad days.

Another favorite Lord of the Rings quote (neeeeeeeerd!) by Tolkien, or really Gandalf, is when he says, “All we have to decide is what to do with the time that is given to us.” It’s so true. How many times have we looked back thinking, if only… life is about seizing the opportunities when found.

7. What is your guiltiest pleasure?

For a few years I enjoyed watching Army Wives! That was my sinful pleasure. Now my guilty pleasure is drinking port and eating delicious  dark chocolate which has orange, vanilla and chili’s. It’s sooooooo delicious. I think I upgraded my guilty pleasure big time.

8. If you could spend a year anywhere in the world, where would you go and what would you do there? Let’s pretend money is not an issue, per say, but that you’re not necessarily a Lottery winner either.

Belize. I’ve always wanted to go to Belize. When I was 25 my co-worker just came back from Belize with the most amazing outlook on life. She was positively glowing, and not just from the best tan I’ve ever seen, she genuinely looked 10 years younger. She sat down next to me and said, “Kassie, when you get a chance…. Belize. Just go. Trust me.”

I’ve never forgotten that.

9. Waffles, pancakes, french toast…or vodka?

OMG. Best question, ever!!! I really miss Saturday morning brunches. The British just have NO IDEA how to do a good brunch. Waffles and hot chocolate and mimosas, pleeeeeease.

But I’ll never say no to a bloody mary.

10. Name your go-to driving in the car/home alone/shower sing-along song.

Alanis Morisettte, “You Oughta know” and Metallica’s “Sad But True”

I’ve belted out these renditions more times than I can count. They are also my karaoke go-to songs and I know them by heart.

— and now to continue on the tradition. Here are my nominees —

Bridget Hoida

I met Bridget through her brother, Jeff Hoida, as we were in the same high school class together. Bridget is an amazingly talented (and published!!) writer. Her So LA is an amazing read, I couldn’t put it down. Oh, and she’s a teacher and helps students with their college applications. Bridget is someone I wish I met earlier in life, we could have been besties. Her creative energy is infectious, plus she’s a down-to-earth good-natured person.

To the baby in the restaurant

Lili and I had the most fortuitous meet-cute. We met in San Francisco, as we were both working for a short-term contract position. She asked me how to fill in a W2 form, which I thought “Has she never had a job before?!”

She explained she just moved over from England. And hey, guess what, she use to live in the same town as my British boyfriend! You couldn’t make this stuff up. We instantly bonded and have been friends ever since.

Lili writes a series of letters to individuals. Her conversational style is effortless. She’s a true talent, and I see her writing screen-plays one day. Her soul belongs in New York I feel. I’ve often told her she has the soul of someone older than her early 20-something would lead you to believe.

BexAdler

I hope Bex starts updating her blog again! I loved reading her book reviews. I have a tendency to stick to one particular genre, but through her different recommendations I’ve starting reading a bit more outside my ‘comfort zone’, so to speak. Not only did she also go to Sacramento State (woot!) she has also taught abroad in China and is now teaching in Oregon. Bex is ambitious young lady, and seasoned world-traveler. I keep hoping she’ll write a book about her experiences abroad one day.

If my fellow bloggers choose to accept their award, here are the rules:

1. Post the award on your blog
2. Thank the blogger who presented the award to you and link back to their blog
3. Answer the questions given to you by the nominator
4. Nominate a handful of bloggers  with less than 200 followers
5. Create 10 questions for your nominees to answer
6. Notify your nominees by posting on their blog

— Here are your 10 questions, fellow nominees —

1) If you could re-do one event in your life, what would it be?

2) What do you like about blogging?

3) Describe your life at age 65.

4) N’Sync or Backstreet Boys?

5) If you could get into a verbal sparring match with one person, alive or dead, who would it be?

6) You life will be made into a movie. Who would play you?

7) What is your go-to drink?

8) Fill this in.  “When I see a group of hipsters in the street, I want to _____ ”

9) Gym or watching TV?

10)  Who has inspired you to make some of the decisions you’ve made today?

 

 

 

But I’m still American?

The excitement when I first held my red Italian passport. Standing at the airport, with two pieces of luggage and a backpack, saying goodbye to my family. To my life.

Moving to another country is a life-changing adventure. But, is it the right one?

I thought, what am I getting myself into. My great-grandparents left Europe to pursue new opportunities and here I am, returning to the start. Am I letting them down?

You think … what about friends and family members I love and cherish. All the happy memories created during high school, college. You are going to miss birthdays, anniversaries, engagements, graduations, babies, funerals, little ones growing up. I am saying goodbye to the California sunshine, lifestyle, and cuisine. Everything I have ever known.

IMG_6918
Pacific ocean near Half Moon Bay, California

Why am  I leaving? It’s my home, my country. Am I leaving for a better life or will I create something worse? Fear and regret. And yet, I still step on the plane.

One thing I didn’t anticipate is the in-between. While there’s no harm in returning, you’re a changed individual. Neither completely European or American. Your journey creates homesickness in your heart. I miss the heat. But, I miss the lush, emerald green of Britain. Can you belong to both?

IMG_6953
Raw beauty of NorCal.

Living abroad, you’re reminded that you are the OTHER. You’ll never completely understand the references, the jokes from past shows or their childhood memories. People will always question your logic and expect a rational answer; they just don’t understand when you can’t provide clear answers.

IMG_0252
The beauty of England

But despite all this you will feel more grounded than ever. I’m ITALIAN / AMERICAN. Perhaps my spirit has always resided in two places, but it took leaving to understand that part of myself. Why do we have to choose where we place our love? So you just stop thinking and start living and loving. You grow to accept the differences and choose to love even harder.

I love my country. I love my heritage. And I love the life I have created after two years of hard work. Soon, you grow to enjoy returning home all the more because home isn’t just one place. Home is HERE and home is THERE, equally and simultaneously.

 

 

The psychological aspects of reaching 999

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Today, I want to embrace an important milestone in my life. One that, I hope, others are also beginning to experience. Especially my fellow 30somethings hollllaaaaa’ ::FISTBUMP:: who are moving forward in their careers and making a name for themselves.

Today, on this seemingly ordinary day in March, I have left behind “thousands of credit card debt” and have run with open arms into the warm embrace of “hundreds of credit card debt.” If you want an exact amount the running total is $999 … that’s almost $8K paid off.

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ACHIEVEMENT UNLOCKED!

That, my friends, is a huge psychological boost. While my C.C. debt has gone up and down over the years it’s been so, so long since it has fallen into the hundreds. And even then, it was never paid off. But this time it’s different. One shackle has been destroyed and a few others are so loose they are practically falling off.

But Kassie, you still have ‘thousands’ of dollars with your student loans to pay off….

YES. Yes, I do. Paying off debt is not quick ; it’s a long-term process. My student loans will be paid off in increments over the next few months and years. However my credit card debt is no longer a wild, out-of-control monstrosity. My creation obeys me.

It’s nine hundred and ninety-nine because that’s what I told it to be. I’m the ring-master and $ 999 is waiting for its next command. And in just two short months it will perform its final show. Happily, 999 is not expected to survive. The only thing more beautiful than $ 999 is its distant cousin: $ 0.00.

But $ 999 isn’t just about finding and asserting control it is also about patience. And forgiveness. $ 999 provided much needed insight.

Kassie, did your partner help pay off your debt?

Hell no. We’re both dealing with our debts separately. Although don’t get me wrong … this is still a team effort.

Since becoming an expat in Britain both of our careers have grown by leaps and bounds. But while our careers have grown up, strong and beautiful, our finances have withered, stunted and deformed, caused by debt accumulation. It’s not even like we’ve been reckless, heck, we’re still driving an old beater Volvo. But life just has a way of catching-up. There were occasions where we fell into the classic, “well, let’s just put it on the credit card” and overspent. In all honesty, the majority of my credit card debt came from being unemployed for almost a year.

But now we’re looking forward to our life together. $ 999 allowed me to understand that a good partner is one who supports you when making the unpopular decisions.

Budget planning is a jagged pill to swallow. No one likes to look like financial shit in front of anyone. We had to be completely honest and surrender. I’ll show you mine, if you show me yours.

But to get it done just throw your hair into a high ponytail, put on some yoga pants, and GO for it. $ 999 taught me beauty is also measured by maturity.

Drawing up schematics doesn’t have to be fancy. I used paper, pen, and a calendar. But having a plan is crucial. We have a white board hanging next to our door where we write all monthly expenses, and subtract from our own respective budgets, to keep an eye on our spending habits. I’m now being held accountable for my actions.

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Don’t lose sight of your goals. Ignore the haters.

The hardest part is sticking to a budget, so $ 999 provided instructions in how to honor patience. Here is where social media can be a hindrance. It’s so easy to compare our lives. Especially people who are purchasing everything under the sun, going on trips, showing off wads of cash. I’ve broken down and cried, stamped my foot, left in a huff, and done so many other ridiculous, immature things. Yes, indeed, some are blessed to have a debt-free lifestyle, but $ 999 has gently reminded me that chances are many are also swimming in their own debts. How would I know otherwise?

$ 999 knows its time is limited but it’s okay with that. You know why? Because it’s just a fucking number that means nothing to itself but everything to me. The smaller it gets, the bigger my smile.

So, what’s my point? My message is for anyone struggling with their own debt to start small. Find your happy place. But above anything else, start paying it off NOW. Waiting just delays the inevitable.

I’ve ticked my $ 999 box towards freedom. I can’t wait to meet sexy $ 0.00.

Observer

hide-n-seek

“We have our parts to play. Listen. Hidden traits can be revealed.”

The two Seekers began in unison, eyes tightly shut as everyone scrambled in delighted panic. The long-legged Irish sisters took risky spots behind a smaller vehicle, close to Base. The judge’s daughter hid behind her family station wagon. And lastly, the mischievous dark-haired fraternal twins ducked behind bushes in front of another neighbours porch. The Sisters giggled, shushed each other, then had another fit.

“7! 8! 9…” shouted the Seekers.

I debated joining the Sisters, with Base strategically close and an easy run from all directions. But it didn’t feel right. I stopped mid-dash at a cluster of three grouped Birch trees in my front yard. This was the spot.

I wedged myself between two larger ones, ignoring the scrapes on my legs, and crouched low to the ground as leaves crunched under dirty hands. My heart beat furiously, a steady knockknockknock against my chest. I could smell earth and damp. Sweat beads formed on my forehead as I tried to even out my breathing through flared nostrils, sucking in fresh cold air. Eventually, the melodious symphony of crickets and toads replaced the steady thumping from my excited heart. I felt ready.

“…19, 20!! Ready or not, here we come!”

I crouched lower, my head inches from damp ground. Breathing deep, I watched through the Birch trees. I watched as the Seekers mumbled to each other, then parted.

I watched the Hunters.

Seeker Tommy ran towards the Irish Sisters. YOU FOUND US! peals of laughter emitting from them both, as he tagged Katie first. Seeker Julie calculated her steps then gave chase towards Judge’s daughter Cheri and the mischievous brothers, Lee and Jon. The brothers split-up and ran towards Base, but Cheri stood her ground. Julie targeted her supposed easy kill before Cheri, at the last moment, ran away from Base, further down the street. Julie stopped chasing and looked for someone closer and slower, growing desperate.

Seizing my chance, I sprang like a gazelle and ran. Julie gave chase after me but I was too far ahead. I touched the edge of Buick, Base, before she could claim victory.

“Yeaaaaah! Wooooooo!!” I yelled, grinning. “I win! I win! I’m alive!” Everyone laughed. “Okay, let’s go again!”

In the distance voices called. Katie turned and grabbed Caroline’s hand.

“We gotta go now, time for dinner.” The Sisters skipped hand-in-hand towards the silhouettes of their parents standing outside.

“C’mon, let’s play!” said Jon and Julie.

As they started counting, I ran towards my secret spot nestled among the Birches. But this time, I wasn’t as careful. As I stepped onto the wet grass I slipped and twisted my ankle. Grimacing, I looked down and my skinned knee and tender ankle. There was no way I could run to Base.

“11, 12, 13…”

I glanced up at the Birches.

The hardest part was the first branch. After that it was a piece of cake. I quietly crept up, up, up until I was just high enough and out of sight. The dense foliage of other surrounding around the Birches provided plenty of stealthy cover.

“Here we come!”

Julie ran immediately to the Birches, having seen me run there previously. I should have known better, Julie was a good Huntress and I got lazy. High above her, I grinned in amazement as she circled in puzzlement, before running to the cars with Tommy and other neighborhood kids.

“Kids, time to come back!”

“Ah man, 5 more minutes, c’mon!”

“It’s time for dinner, time to come in!”

Tommy and Julie shrugged and ran back home. Other neighborhood kids did as well. I watched them all as they walked/ran back inside with their parents.

When everyone had gone, and the street quiet, I climbed down and returned inside for dinner.

The next morning, I walked over to the Birches. It was the end of summer and the sky looked a bit grey. But how the Birches gleamed against the drab skylines. All three had beautiful white parchment bark, which could be stripped away in long, thin sheets. Three beautiful white trees in the middle of a lush green enclosure. Each standing proud and majestically.

I climbed the tallest one.

Higher than last night, I surveyed the cul-de-sac. I watched families come and and cars whiz past the main road outside the cul-de-sac. Kids yelling in their homes, in the street, in their backyards and driveways. Laughing, crying, talking. Televisions. Stereos. Radios blaring. People shuffling in and out of cars, homes. Band practice, cheer practice, baseball practice, swim lessons, tutoring lessons. Cars driving past the neighborhood. Cars driving through the neighbourhood. Parking, leaving again.

I watched ants trail up one of the branches. The sway and tug and pull of life, as wind tousled my hair and leaves rustled on the ground, around my Birch. I watched everything. My small world view.

When the street lights flickered on, illuminating the dark street and parked cars, I felt peace. I then heard neighbourhood kids playing tag, screaming in delight as they chased one another. The thrill of hunting your prey. The thrill of being caught. The grandiose thrill of being alive.

I climbed down to join.

I’m Fighting Back Against Debt. How do you slay the 26K Monster?

“Strategy without tactics is the slowest route to victory. Tactics without strategy is the noise before defeat.”
― Sun Tzu, The Art of War

Writing about student loan debt has been tremendously helpful. Now it’s something I cannot deny or run away from because there it is, written out clearly for the world (and ME) to see.

Debt is fucked up. It’s certainly not something we like to admit to our friends, family and more importantly to ourselves. Who likes to saunter into dinner parties and casually mention, “Yes, that is a wonderful new car to purchase, Brenda. And John, Hawaii is lovely to visit. As for me, I’m walking around saddled with 50K in student loan and credit card debt! Isn’t that just delightful?!” Uhm. No.

Debt is a tough pill to swallow. It’s embarrassing. There are times when I think to myself “what the hell is the point of working if half my income will be going to paying off debt?!” Seriously, it’s the worst feeling ever. It’s a rollercoaster of embarrassment and emotional feelings you can’t ever escape.

“I can’t afford to (:insert the biggest dream you want here:) because of my fucking debt!”

As much as I want to push away or ignore it, I just can’t. It’s a constant daily reminder. “Oh wait, I can’t afford to travel around Europe this summer after all!” The only good thing is that debt helps when it comes to reevaluating priorities. What is it exactly that you want? Is debt actually holding you back or are you too scared to move forward? It’s a great wake up call.

Now that I’m in my 30s my priorities have changed. Nothing would bring me greater joy than to get married, have kids and own a comfortable home with my partner. But when you’re saddled with debt these “pursuits of happiness” are not easy. How is it possible to afford a mortgage if you’re writing off half your income to student loans?

Denial is a fucking bitch and I’m tired of it. So I’ve decided to grab debt by its collar and slap it across the face. It’s no longer controlling me, I’m going to control it. I’ve climbed to the top of the mountain just to scream — SCREW YOU DEBT. YOU’RE NOT HOLDING ME PRISONER ANY LONGER!!!

It’s time to grow up. You’re not going to beat me.

snowball1First order of business: What is Debt Snowballing?

Snowballing is simple but also very effective. The snowball method involves making a list of all the balances you owe to various institutions (credit cards, student loans, car loans, etc.) and then tackling your smallest balance first. What you’d do is pay the monthly minimum on all your balances, except your smallest balance, which you’d pay off the most aggressively by applying as much extra money to it as possible. Once you eliminate the smallest balance, you tackle the next smallest balance, and then the next until you’ve paid everything off. This is a similar method I’ll be employing. Now that I’m in a healthy job, I can afford to make large payments each month. Every year I get a promotion, more money towards debt pay off.

Suze Orman also says it’s important to also pay yourself. So each month, I’ll continue putting additional money into my savings account.

Have a plan

Moving to a no-interest (for 18 months) credit card was a super wise investment. That is, by far, the debt with the highest interest rate. Credit card debt has no redeeming features either. At least with Student Loan debt you can deduct up to a certain amount on your taxes. But that’s about the only good thing.

Looking at my figures and what I can afford each month, I’ve found that I could pay off my entire credit card debt and one student loan completely by next summer. That’s about $13K worth of debt alone.

In savings, I’ll have roughly £3500. That’s money I can continue to save for emergencies or I can put half it towards paying off my next sizable loan.

Keep Moving – Paying off Student Loans A, B, and Krakken

After my credit card debt and first of THREE student loans are paid off, I’ll SNOWBALL that money and pay off my second student loan by December 2014. So that will be two out of three KILLED in a year and a half,

220px-Colossal_octopus_by_Pierre_Denys_de_MontfortKill the Kraken

My worst “debt” is an amalgam of three combined student loans, which was formed after the Wachovia 2008-2009 bank disaster. I fondly call it the $26K Monster, where the K actually stands for Kraken. The worst bit is that the fixed interest is at 6.8% . Good in a sense, because I hear that if these politicians ever decide to go higher they can’t because the interest is fixed. But it sucks as interest is at 3% (which is great for my one variable student loan).

Over the next year and a half, I’ll have to pay the minimum to keep the interest in check and pay down part of the principle. But here is where is also gets tricky. Do I choose …

OPTION A

Acquire a personal loan. The personal loan would pay off my remaining student loan balance. Now I wouldn’t have conduct a bank transfer overseas each month (which costs an additional £100 each year) and can payoff the loan directly from my bank account in Stirling. The personal loan has a lower interest rate and would cost less each month. I’d chose the option to pay off in three years but instead pay it off in two, thus, completing my debt reduction in roughly three to three and a half years (depending on any future promotions I get in the future). Or do I choose …

OPTION B

Not taking a personal loan and continue making monthly payments to have the student loan paid off in a two and a half years. Both options are highly dependent on a number of factors namely, if I get approved for a personal loan (and that will pay off the total amount) and if I get a good interest rate which will enable me to have it paid off in a few years.

Overall, it’s a highly aggressive but also satisfying plan. There’s a bit of excitement knowing that after a few years whatever I earn I will be able to put into my checking and high interest savings account. While it’s said that most student loans will be paid over a period of ten years I can’t imagine spending another ten years in absolutely misery of seeing my money flush down the drain.

BTW, people who are considering going back to college but it will cost them thousands and thousands of dollars to do so, please take my advice and apply for scholarships and grants! Off set the charge as much as you can.

How are you tackling your MONSTER debt?

Does anyone else have debt they are trying to avoid? How are you going about to solve the problem?