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I said goodbye to the friends I made at the hostel and checked out. I then got into the junky car I bought and started making my way to the mountains.My plan for the next few days was to go backpacking up in the mountains by myself. I felt I needed some time alone.I drove half an hour on the highway before turning to a side road and starting the drive up into the mountains. The road was bad and the driving slow but I enjoyed it nonetheless. I drove for another hour, the last twenty minutes on a dirt road before reaching the car park. There was only one other car there.I exited the car, deeply inhaling the cool mountain air, and immediately put on my jacket. I quickly packed my backpack with everything I would need, slung it over my shoulders, locked the car and hit the road.My bag was heavy but I was so used to it by this point it didn’t bother me at all. I looked at the map, then at the trail and started walking.The trail started out flat, continuing along a stunning lake that. The weekly costs are those we’ll spend once a week. They are both represented in the annual and 16-month columns.”“You’re very organized. What is this ‘sigder’?”That’s an ampersand instead of a G. That’s short for ‘Savings, Interest, and Debt Reduction.’ It may not look sensible to put money into retirement savings when you still have student debt. My employer, though, matches contributions to the 401 (k) sort of. It changes the advantages to lean that way. I got used to budgeting an amount per pay period to pay interest on my student debt and to reduce the principal. It’s the same way you deal with a standard mortgage, You don’t pay less as the principal goes down; you pay less interest and more on principal.”She complimented them on the thoroughness of the budget.“It’s part of our marriage agreement that we should have a budget annually,” Al said. She felt that she had contributed very little to the discussion. It was really Craig’s budget, though he’d asked her approval of each.
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