Goals

 Okay so I have some goals for 2025

• Pay off my negative debt by end of 2025 (This will take all of my financial aid for the year, all of my bonus pay from work, and a monthly payment of $600....)
• However, I did a debt consolidation loan through Advia Credit union so I now have a 3 year loan, with a lower APR (9.3% ), and a lower monthly payment than what I previously had to pay ($427.48 monthly) so If I need to accept that I won't be getting the debt paid off by the end goal, I can at least make the minimum payment. 
• Do some spiritual work: learn how to properly work ona nd improve my sacral discernment. 
• Learn to be more honest about what brings me joy and satisfaction; releasing what doesn't so make room for what does. It does not matter what ANYONE else thinks and there are absolutley no obligations to anyone other than myself. This is my life and I need to start living it truly in line with what makes me happy. 

Alternatively I can add for my notes adn record keeping... the same credit union I get my debt consolidation loan from is running a check on an auto loan for me, to see if I can lower my car payments! I think I'd be down for a SLIGHTLY higher APR if it means the length of the loan gets extended and lower payments. He said if it is agreeable to me, then it could get switched over as early as by the end of the day! 

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Okay the car loan is a MUCH higher APR... my current one is like 3.39% APR? and the payment is $234

I could get it knocked down to $180 a month but the APR would be 9.34%

Having that much of an increase in APR isn't worth the $55 I would be saving.