| This month I refinanced my student loans from 5.75% to 4.75% APR, moved our emergency fund from a 0.2% to a 1.7% APR savings account, and made extra small payments to our highest APR loan with found money, i.e. I sold old gift cards for cash. Unfortunately, we can't make any large payments this month because we anticipate a large tax bill (between $14,000 to $15,000 from my untaxed locum tenens earnings) which will be paid out of our emergency fund; we'll have to suspend loan payments above the minimum for a few months to replenish our emergency fund. |