The Struggle Is Real

Perhaps I am the only one, but I am hoping I am not. I have no motivation. None.

I’ve let two to three days pass sometimes in between taking a shower (eww!), spend a lot of time moping around the house, and generally it seems I am unable to do anything that resembles productivity.

I am over this virus. We’ve had to stay home on and off for almost a month now due to exposure at work and within our families. We’ve each had a couple of tests each, always negative. But man, this thing has really run its course. I am sick and tired of it.

I’ve been uninspired with work, underperforming and not being my usual go-getter self. I don’t know what it is, but I struggle to get myself to do much of anything constructive.

Our finances have been equally lethargic. We are making some progress, but not at a very impressive rate. Christmas time brings with it some added expenses, which is always to be expected. I am hoping that the spring and summer will prove more fruitful in 2021. I have a goal of having our student loan and consumer debt paid off by my 30th birthday in June (holy smokes I am getting old), but this seems unlikely at this point.

I would be surprised if student loan debt forbearance didn’t get extended past its current end date of January 31st. Until the new vaccines are able to take hold in a good part of the population, I think ongoing relief in that regard will be necessary. COVID has continued to take bites out of Jos’ income, which I know has been frustrating for her. We are very fortunate though, I know, and for that I need to be thankful.

We have been in our house for 11 months now. While it seemed too soon to do so, I have been keeping an eye on refinance rates, and despite our 3.625% fixed rate on a 30 year being pretty darn good (especially historically), I have continued to see even lower rates, and the temptation was too great. Right now we have a 2.625% fixed on a 30 year locked in, and we are working on getting all our paperwork submitted for that. I am hoping to have that process complete by the end of December. At that point, I will do a write up and review of the company I chose to do the refinance. I think that will be a helpful article when the time comes.

This has been an exceedingly challenging season for many here in 2020, I know. Between transitioning jobs, losing my Dad to leukemia, dealing with the challenges of social isolation due to COVID, and a host of other hurdles and bumps along the way, I will not be sad to see this year close. Despite my not posting hardly at all for the past few months, I appreciate those of you who have continued to check in and read, I see that and appreciate it. Seeing that folks are checking in was my only motivation for making this post in the first place today.

Hang in there, folks. Although I don’t know when, I do know things will improve.