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Debt

Student Loan Binder Download!

Student_Loan_Binder_Download

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Back in August 2015, before I even started paying off my loans, I posted about my student loan binder. This thing has turned into the best thing I ever made. It has allowed me to stay organized and motivated throughout my first 6 months of debt payoff. When you have almost $200k in student loans, you need something to motivate you. Fortunately for me, just seeing the numbers drop is motivation enough. I also use ReadyForZero, which is a huge motivator. It allows me to see my debt payoff day get closer and closer and my daily interest drop as I make each extra payment.

**July 2017 Update: ReadyForZero no longer offers their service anymore. Check out my blog post on the website I now use that I absolutely love!


I use this binder to keep all my different kinds of loans organized. I have set up my binder into 4 different sections: Debt, Private Loans, Federal Loans, and TEACH Grant. In the debt section is where I keep my planning sheet and my debt payoff tracking sheet. This allows me to see the big picture of my debt payoff, like which loan I’m focusing on first and how much I payoff each month. In both my private loans and federal loans sections I keep individual debt payoff sheets for each of my loans. This allows me to see how much I have paid off for each of my loans and how much I left to pay off. Its exciting to see where I started with each of these loans and how much I have paid off.

Since this binder has helped me so much in this crazy journey, I thought all you lovely people might find these sheets for my student loan binder useful. Click the download button to get my binder cover sheet, a planning sheet, a debt payoff tracking sheet, and an individual debt payoff tracking sheet to make your very own student loan binder!

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 How do you organize your student loans?

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Debt

My Student Loan Binder

My Student Loan Binder

This post may contain affiliate links. Check out my Disclosure Policy for more information. 

UPDATE: I have made all my student loan binder sheets available for you to download to make your very own student loan binder!

Recently I posted about some tips for making a debt payoff plan, one of my tips was to get organized. I organize all of my loan information in my student loan binder. I’m a binder girl, I just really like how easy it is to find everything I need in a binder. And it keeps things nicely organized. By having a binder just for student loans, it reminds me just how big a part of my life they are currently. I’m excited for the day when I wont have to have a student loan binder, but for the time being, it helps me stay organized and tackle this massive amount of debt.

When I first decided that I needed a student loan binder, I wanted to make sure it was pretty. That sounds kind of ridiculous as I type it, but student loans can be pretty depressing, why not make it a little more exciting! That made me pick lime green for my binder, it’s just such a nice pop of color to brighten my mood when I sit down to track my debt. And, I happened to find it while I was in the process of moving home (hah! Free baby 🙂 ). And of course I had to make a nice cover sheet for my binder, another way to brighten my mood.




Now, onto the inside of this bad boy. I broke my student loan binder into 4 sections: Debt, Private Loans, Federal Loans, and TEACH Grant. Debt is where I keep my payoff plan and a student loan payoff page that allows me to see the “big picture” of my student loan debt. This has all my loans on the page with how much I paid that particular month, the balance remaining at the end of the 6 months, and total payment for each month. This section is where I can see how I’m doing in my payoff plan, and how much more I have to go. The following 3 sections are places to keep things organized for my specific private and federal loans, and my TEACH grant that I have. I keep a log for each individual loan that helps me see how much I paid each month on that particular loan. For my TEACH grant, I don’t keep a log for each individual grant because I don’t need to pay these back, assuming I meet all the requirements in the next 8 years.

A binder system for organization is what works for me, the most important thing is to make sure your system works for you. Find a system that works and stick with it! I find it so motivating to input all the numbers and see how much I have paid off. I try really hard not to look at what I have left because it makes this payoff seem impossible, by focusing on how much I have already done, it motivates me so much more. I also use another tool online to help keep myself accountable and that my binder is up to date. How do you organize and keep track of your student loans and other debts?

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Saving Money

DIY: How to Spray Paint Plastic

DIY: How to Spray Paint Plastic

One of my favorite parts about redoing my bedroom is organizing everything! However, storage bins can get pricey, especially when I can’t handle them not matching, so I can’t reuse old ones, unless they match. OCD wins again! But, I found a solution while looking for ideas for my classroom next year on Pinterest. The ladies over at Pinkadots Elementary created a wonderful tutorial for spray painting plastic, I had to try it! And you know how Pinterest goes, I somehow ended up finding a blow dryer and straightener holder, and wanted to try that out as well! I had a lime green bin I found at my parent’s house, which definitely didn’t match my color scheme, but would be a great addition to my room. So, I went over to the local hardware store and grabbed some grey spray paint and the PVC needed for the blow dryer and straightener holder.

Materials Needed:

-Plastic spray paint (about $4.00)

-Newspaper, or something you don’t care about to spray paint on (drop cloth, plastic tablecloth, etc.)

-Sandpaper, this is going to depend on what the plastic looks like that you are planning to spray paint. If it’s a glossy finish, I recommend sanding it to rough it up a bit before spray painting it. My dad, aka Bob the Builder, gave me this recommendation and it worked wonderfully for the blow dryer and straightener holder.

You’re gonna wanna do this outside where there is ample ventilation. I was able to do this in my family’s garage because my dad built it to be used for this kind of thing (I told ya, Bob the Builder!). Then, I laid out all the newspaper and my supplies. I sanded down the PVC, just enough to make it a little rough and get some of that glossy finish off. After, I began spraying the PVC and the container. Make sure to spray a light coat, move your hand quickly. I suggest making some test sprays on the newspaper to get a feel for how the paint is coming out. I don’t spray paint too often and this was a suggestion my dad had for me to get used to it, it worked really well! Now, it’s time to let them dry before doing one more coat. I loved them already and just wanted to put them in my room!!

 

After I let them dry, I went back and did one more coat. Of course as soon as they dried I had to put them in my room. I love the way they turned out and it was so cheap! This was so much better than going out and buying a new container or a stand for my blow dryer and straightener. Ironically, I was at BJ’s and saw a stand the night before I was planning to make this, $15.00 for something that does the same exact thing! I was one happy girl with one happy budget 🙂

Have you ever spray painted plastic? What kinds of projects have you done?