Wipe years away from your student loan repayment with the IDR Waiver

Did you know about the IDR Waiver?!

The income-driven repayment (IDR) waiver is a one-time account adjustment that was implemented by the Biden Administration and it is a BIG DEAL! Millions of borrowers could see their entire balances wiped away completely, including you.

Any time you’ve spent in repayment and many periods of forbearance or deferment can now be counted toward the 10-year Public Service Loan Forgiveness and 20- or 25-year IDR forgiveness programs. To qualify, many borrowers may need to consolidate their loans. But hurry! The Administration’s April 30, 2024 deadline is fast approaching. Do not miss out on this opportunity to cut years off your repayment journey.

Our friends over at Student Loan Planner are the experts in all things student loans. You can take action on your own, but if you want to discuss your student loan situation with a professional CFP® or CSLP to make sure you’re picking the best option for you, we highly recommend Student Loan Planner!

Without knowing the nuances of student debt, you could make a mistake or miss an opportunity that is COSTLY. Make sure consolidation is the right move for you.

The Debtist readers can get $100 off a 1:1 consult by booking through my link!

If you thought this post was interesting, check out my post on how to adjust your 2024 tax returns to optimize your student loan repayment with the SAVE program.

How to RV with a Baby

Q: How does one camp with a baby?
A: Like most things, you just kind of do.

We took Casey camping in Morro Bay California. Having never done this before, we decided RV life would be better than “real camping”. It was a great call, albeit challenging for my 6’3″ husband who bonked his head one two many times. Getting there was also challenging for my 9 month old son. What I thought would be a 4 hour car ride ended up taking 7 hours, thanks to the stops necessary for diaper changes and melt-downs. My son ran out of patience and wouldn’t stop crying for the last hour. However, once there, he was happy as a clam! I loved watching him experience it all. At the end of the weekend we had learned a lot about how to camp with a baby. I would do it again in a heartbeat, with a few changes.

Where to Rent an RV

You can rent an RV on multiple sites. We used Outdoorsy which many Californians use. I rented an RV that I was already familiar with and rented before. It was a Sprinter van designed by Texino which is no longer in business. Driving it wasn’t that much different from driving a truck. We placed a seat in the back for Casey’s carseat. If I had a do-over, I would have requested two back seats so that one of us could sit with him and entertain him. It was difficult to have him separated from us, and I think the melt-downs could have been avoided if we were playing with him.

I would recommend booking add-ons that will make camping an EASIER experience for you as a parent. We chose to do early pick up time and early drop off time for an extra $100 so that we could travel according to baby’s needs. We also chose to pay for the clean-up fee and gas-up fee, so we didn’t have to worry about either upon return. It was well worth it!

What to Pack

As a minimalist, I believe we packed too much. Luckily, our RV had a lot of storage room. However, maneuvering around the bigger items was a pain. Casey was 9 months old. We were there for two days, and here is what I would recommend bringing. (Please take into consideration that every stage of infanthood has slightly different requirements.)

  • Doona Liki Trike or Umbrella Stroller. Do not bring your big, fancy stroller. You will be hiking trails and such. It will get ruined. Also, the nice strollers are way to bulky even when folding up. You need as much floor space in the RV as possible.
  • Bottles and Travel Bottle Cleaner. We got this travel bottle cleaner when we went to Japan so we could wash water bottles in hotel sinks. It comes with a soap dispenser. The RV had a sink with limited water. We used up the entire tank washing dishes and bottles. Which is to say, use sparingly and plan accordingly.
  • Formula and Extra Water. You want to make sure your baby has access to clean water.
  • Baby Clothes. He only used one outfit per day and one jammy per night. I packed two extra outfits because I knew accidents can happen but to be honest, when you are out in nature, you get dirty anyway. One tip I have is to bring fuzzy PJs, so you don’t have to use up all the power running heat all night. I also wouldn’t worry too much about layers. It would be a different story if we were camping in a tent.
  • Diaper and Wipes.
  • Travel Diaper Changing Mat.
  • Pack and Play with Warm Blanket. Since we had the heat at 68 degrees all night, we didn’t need to put the warm blanket on him. Instead it provided a soft surface for him to lay on, making his pack and play feel more like a bed. This pack-and-play fit nicely within the RV.
  • Comforting items for baby. We brought the stuffie he sleeps with every night. And too many toys for the car ride! We also brought books which I definitely won’t do again.
  • A portable sound machine.
  • Sun Screen. Casey uses this Korean product from Green Finger. The compact makes it very easy to apply.

If your baby is much younger, check out this road trip packing list for newborns.

How to Make Camping Easier

Camping can be a bit over-whelming, logistically speaking. The best advice I can give other than bringing less stuff, is have less expectations. Just plan to get outside. Do not stay cooped up in a camper. It is way too small. Only one adult should handle the tasks in the camper van. The other one should be outside with the baby, and enjoying the scenery. To be honest, we were both too stressed out trying to “work” in the van at the same time. If we simply relaxed and took turns spending quality time with our son, it would have gone more smoothly.

Another recommendation is to bring food that is easy to cook. I would not recommend leaving the campsite once the RV is docked. We tried that on the first night and Casey had none of it. He was already exhausted from the drive up. Foods I recommend bringing include soup and bread, pasta and pre-made sauce, cup of noodles which could be made with hot water, hot dogs, and smores.

Lastly, if I had a do-over, it would be to pick a campsite close to home. Or to pick a few campsites on the way up to our final destination. Honestly, the drive was the hardest part. Making Casey sit in a van for 7 hours just wasn’t kind. He’s just a boy who wants to be outdoors! We took plenty of breaks, stopping for lunch or simply letting him “drive”.

Minimalist Disneyland Packing List

We have taken Casey to Disneyland on two occasions now. It has been 12+ years since either of us went but we are OBSESSED! Especially after realizing that bringing a baby to Disneyland is not difficult at all. I was mostly scared of logistics, like timing naps and carrying a lot of baby stuff all day long. See also: running out of said baby stuff. Luckily, it helps to be a minimalist when deciding to trek a theme park. Today I will be sharing my minimalist packing tips if you want to spend a stress-free day at Disneyland. Bring only what you need, and leave the rest at home.

Minimalist Disneyland Packing Tips

  • Stroller. The stroller is key! It helps to lug all of his stuff, as well as our reusable water bottles and our own jackets if the weather changes. We own the Uppababy Cruz V2 Stroller and it is so easy to navigate around crowds. Casey was comfortable being pushed around in it all day long. I was at first hesitant to bring our expensive stroller to the park, but there are Disneyland crew members manning the areas and everyone is on the honor system. We have not had any problems. Everyone brings their own strollers!
  • Diaper Backpack. The diaper bag we chose is a Product of the North Elkin Diaper Bag  so that either parent can carry it. It also works well with the carrier, as a single person can wear the backpack in the back and the carrier in the front. This diaper bag is on the smaller side, which we like! It comes with a travel changing pad and the top handles allow it to hang from our stroller or be carried as a handbag. Minimalist me wanted to only have ONE bag for baby stuff from the get go. It was essential that we choose a bag that can stand wear and is usable on multiple occasions. We have taken this backpack EVERYWHERE Casey goes since the day we took him home. We even went on our Japan trip with our 6 month old infant just carrying this while trekking Tokyo and Kyoto from 8am to 8pm! I love this diaper backpack.
  • Diapers (7)
  • Wipes
  • Formula Dispensers with Formula inside. Every traveling parent NEEDS this life-hack (and I don’t say this lightly). Tommee Tippee formula dispensers can be premeasured with up to 6oz. of formula powder. The spout pours the powder directly into the bottle with ZERO-mess. And if you have the Tommee Tippee bottles, they actually store inside them quite nicely. We have the Dr. Bronner bottles for Casey and I prefill our bottles with water to make my life easy. Milk is ever-ready.
  • Sound Machine. Our travel sound machine is like the backpack. It goes with Casey everywhere. It signals him when sleep-time is, but more importantly, drowns out the noise of rides, laughing kids, and theme-park music during his nap. Casey was able to nap in the stroller and carrier for an hour thanks to this machine.
  • Carrier. A carrier is useful for when you stand in lines. Strollers have to be dropped off at the parking area, and depending on the day, wait times of some of the rides can be north of an hour. One tip that I would consider a non-negotiable is to sign up for a Genie Pass. It reduced all our wait times to 25 minutes or less. Either way, unless your baby is big enough to carry on the hip (mine is!), you will still want the carrier even with a Genie pass. This last go around, we didn’t really use it. The Tush Baby is another great option for older infants and toddlers, but to be honest, its quite bulky. Minimalist moms probably don’t need it.
  • Extra clothes for Baby and You. For Casey, I pack two tops and two bottoms, in case he has a blow-out, and because he loves to play in the water park at Toon-Town. I would also recommend parents bring extra T-shirts in case of spit-ups and/or baby messes. For example, last time, Casey squirted his fruit pouch contents all over my shirt.
  • Portable fan on a hot day.

Now you may be shocked to hear this, but everything I just mentioned fits inside our backpack. We simply walk up to Disneyland with a stroller and a backpack in the stroller under-carriage. If we hop on a ride or go into a restaurant, we park our stroller and bring the backpack with us. Half the time, I leave the backpack under the stroller so I don’t carry anything. As for my belongings, I only carry a cell phone in my back pocket, lip balm and a wallet. My spare jacket and refillable water bottle, as well as snacks if I bring them, go in Casey’s backpack or in the stroller under-carriage.

I like this minimalist Disneyland packing list because it allows me to actually enjoy the day. I am not over-tired carrying stuff as the stroller pretty much pushes all our belongings around for us. Plus, leaving all our belongings at the stroller parking makes it easier to maneuver tight lines. I actually feel like I am carrying less than non-moms who lug their jackets, extra clothes, and refillable water bottles in a purse or bag!! They have to carry their belongings with them all day long. That must get heavy! Trust me. Disneyland is easy to navigate as a mom. And I think it will get easier as he gets older.

Next time, I plan not to bring a carrier. And to bring less milk now that he can start eating solids and sharing our food.

Tax Filing Changes with the SAVE Student Loan Repayment Program

If you haven’t already heard, there is a new student loan repayment program that replaced the REPAYE program. It is called the SAVE program. It has better terms than REPAYE and I wrote a diddy about it here if you want to learn more about it. I like it so much that I switched our aggressive repayment strategy to the SAVE program for the time being! The pandemic changed my focus from debt annihilation to growing my wealth and I have been enjoying this track. If I switched gears again when the loans came back, I would disrupt my momentum like I did in 2020. I am just not ready to relive that. The snowball is snowballing, my friends. Don’t get in the way. Now, there are some tax filing changes we had to make in order to get the full benefits of SAVE’s terms. Did you know about it?

Tax Filing Changes for the SAVE program

Previously under REPAYE, monthly payments were calculated as a percentage of the household income (the borrowers and their partner’s combined). The SAVE program has the ability to consider only the borrower’s income, even if they are married. Since student loan programs work best by paying the LEAST amount possible every month, SAVE helps borrowers by reducing what the borrows pay back during the program period. However, the minimum monthly payment is calculated from the most recent tax return. If you are married and in a two income household, you need to file Married Filing Separately in order to only count one income. Otherwise, the SAVE program will count your spouse’s income when deciding how much you pay back.

This is a painful point for us in 2024. My repayment starts in April, and the last tax filing which for us was 2022. And yes, we filed Married Filing Jointly at the time since SAVE didn’t exist until Fall 2023. My 2023 tax return will not be filed in time for them to recalculate my 2024 repayments. My husband and I have similar incomes, so for this year, we will be paying a larger sum than I would like under SAVE. Moving forward, we will file Married Filing Separately, which will cause us to lose out on a few thousand dollars in tax benefits. But it will cut our monthly repayments to my student debt in half, and save us more money in the long run.

Save Money with The Student Loan Planner

I think this was worth mentioning. You could be losing thousands of dollars if you aren’t considering your student loan repayment when you file taxes. Since I am not a student loan repayment specialist (only an avid geek about the subject), I would highly recommend professional services when making financial moves around student loans. It is nuanced, sometimes convoluted, and sometimes vague. But with the right guidance, you could be saving thousands of dollars. My favorite advisors are with Student Loan Planner. They saved me tens of thousands of dollars, just by pointing me to the correct repayment plan. Schedule a call with the Student Loan Planner team to see how they can help you. Your financial future rides on the way you handle student debt.

Photo by Tyler Franta on Unsplash

Memorializing Your Life with Mootsh

Even before I become a mother, I had a penchant for pictures. On my adventures with Mike, I habitually toted my camera – whether we were climbing mountains or eating fine dining. I imagine it was an embarrassment to my family, and I believe Casey will feel the same while expressing it more, as children oft do. For now, he can’t protest. Lucky for me, as I’ve tripled in my documentation since his birth. My camera roll is overflowing with photographs and videos, and I can’t keep up with its management. At some point, I stared at my phone overwhelmed and decided, it’s best to leave that for a future version of me.

Then I was introduced to Mootsh. Mootsh is a paper company simplifying the process of transforming memories into tangible keepsakes. I know this would lead to clutter in the future, but there are items for which I can acquiesce. As a child and adult, I greatly enjoy perusing my mom’s photobooks. Digital versions don’t hold the same weight. It’s turning the pages and running my fingers on paper that does it for me. It’s the nostalgic smell of yellow pages, and the sound of crinkly plastic. If there was anything sentimental about me, it would be anything to do with pages.

What I like about Mootsh is their subscription program. For $16 a month, you can turn 10 memories into prints. I like that the limitation is on 10 photos, as it helps me curate my favorites of the month. I am a lover of intentionality, and curation is my calling. Of course, if you wish to print more, there is an option to add prints for $0.85 per print. However, in an effort to limit clutter, I am going to keep myself at ten prints. By choosing which pictures to print, I have the opportunity to reflect on the best moments of the month. Unsurprisingly, I gravitated towards days at home, our hikes, and moments we were outdoors.

I thought I’d give them a try for the first three months of the year 2024 (gifted). I sent my January photos in this month. The photos came back in an envelope with a dated summary card. I love this idea as it keeps everything organized by date. Mootsh sells a Mootsh Box that perfectly stores 12 envelopes for the year. I can see yearly boxes being filed away in a cabinet for safe keeping. Going down memory lane is as easy as choosing the year and month to reminisce.

The best part about Mootsh is the potential to create a habit. Every month, my print subscription renews on the same day. I look forward to my next one like it’s Christmas morning. This will help me create the habit of curating my photos. While I am choosing my prints, I am also deleting the repetitive and bad photos on my phone. Trust me, there are a lot! At least my photos folder is pared down after each Mootsh order.

While the quality of Mootsh prints is arguably not as solid as traditional photo prints, I can appreciate the accessibility and ease that their subscription provides. In fact, if the goal is to simply “get photos off your phone”, then this company does it well. Uploading photos is a breeze and ordering is easy to do! This would make a great gift idea for any parents out there. For Mother’s Day or Father’s Day, gift 3, 6 or 12 months to an awesome parent! That way they can commemorate special moments without added stress. The Mootsh box also makes a great addition for the yearly option. I partnered with Mootsh to give my audience 50% off the first month with the code thedebtist. If you’ve been overwhelmed by the sheer amount of photos on your camera roll and want to declutter the organizing of them from the to-do list, Mootsh is the way.

Case of the Mondaze 06

Power struggles. I didn’t think we would come upon it so soon, but my quickly developing 10 month boy already knows how to demand for things. He also gets frustrated easily, a trait that I remember carrying as a child and young adult. He has my family’s fire, and it’s my turn to learn how to flow with it. Yesterday, a melt-down ensued over a juice pouch. I had handed it to him for one second so that I could grab something out of the car. I would normally hold it while he sucked on the end. By handing it to him, he felt what it was like to have power and control.

When I tried to take it back thirty seconds later because his strong tiny hands were squeezing the juice everywhere, he got his diapers in a twist. He refused to suck on the straw while I held it. He started actual-crying, with tears and all. Every time I came near him with the pouch, he pushed my hands away, kicking in distraught. Tiny hands flew up in the air and grabbed at the side of his head, as if I was causing him a migraine. Then he would grab tufts of hair on both sides and pull outwards, like he was going crazy. In fact, he WAS going crazy! Also, where did he learn that?? When the pouch came near his face, he would yank it out of my hands, which would accidentally squirt more juice onto my beautiful Nordic rug, my favorite sweater, and the glass door. Imagine a horror film with juice.

So of course, I tried to gently take it back and help him again. I tried to put it away in the fridge so that he would forget (he didn’t forget). I tried to ignore his cries and walk away from him, but he flailed more in the high chair and I’m just not sure ours (this one) could withstand a flailing 22-pound wild child. So back I came, and took him down. On the floor, he upturned my cat’s bowl, kicked the rug, and continued to thrash on the floor. So I pulled the pouch out of the fridge, which made him WILDER! Why did we think that middle name was cute??

I finally succumbed to his tear-stained face and drenched onesie (from all the drool that resulted from crying). I handed him his pouch and he calmed down. He then continued to spill juice all over the house, sticking his grubby finger in the straw trying to, I suppose, figure out how and why it comes out of the packet. To end the power struggle, I had to be the first to stop. Which is a life lesson for me, as my fire never stops burning. I’m a person trying to optimize and win. But I don’t want to be an authoritarian like my parents were. I remind myself that I want him to experience the world on his own terms and form his own opinions. In the moment, it was hard not to worry about the mess. Once I let go, I realized that the struggle was really a reflection of me. Just another case of the mondaze.

Case of the Mondaze 05

Better late than never. It is Friday but I am referring to earlier this week. It was a beautiful sunny day, and we had a great time. Except for the fact that the HOA decided to, without warning, tear up the street and repave the sewer holes… at his exact nap times. This was extremely frustrating for me, who relies on nap-times to get rest for myself. I decided this is what I’ll log today, because it was a tough moment that I had to deal with. And I think it’s just as important to share the hard moments with the nice, light, fluffy ones!

It was 8:30am and just as I finished feeding him a bottle and shut the blinds, the incessant noise of them digging up cement began. Incredibly loud, fast and repetitive – like a finger on a trigger of a firearm. I remember peeking through the blinds like a person in the movies, eyes glaring left and right. I was fuming with anger. Then I told myself I had to let it go. But nope! Ten minutes later, I found myself at the front door with Casey on my hip, staring at the end of the courtyard where two men were unknowingly disrupting the peace.

I wanted to walk right up to them and yell. But instead, I shut the door and quietly walked the steps back up to his room shaking my head. He fell asleep in my arms but when I set him down, his arms and legs twitched with each start of the machine. I went downstairs to drink coffee, knowing it won’t be long. And that he would be grumpy. His ninety minute nap ended up being forty-five. Thankfully, my little sport was a champ about it.

So I decided, let’s get away. Off to Target we went! He had fun bouncing in the cart. We went down the baby aisle and perused fun things for him. I did some grocery shopping. He pushed buttons in the toy aisle and his eyes grew big when they made sounds or lit up. I know understand why Target is a mom’s dream.

Back home, it was finally peaceful. We had lunch and then settled down for a 1pm nap….when they decided to dig up the sewer hole in front of my neighbor’s garage! I had mistaken their lunch break for the end of drama. I was pretty upset. Casey fell asleep in my arms again, and for a second, so did I. But when I awoke and tried to transfer him, he kept springing up like a sprout. I couldn’t get him to actually nap in his crib! Of course, the noise was still blaring below his window.

At some point, he was crying because I had kept trying to get him to sleep when he was energetic enough to crawl and play. I calmly set him down in his crib with a toy and actually walked away! My frustration at the crew was not meant for my son, and I definitely did not want to direct it at him. At the same time, my anger was draining my energy. So I removed myself from the situation in order to get my bearings. Sometimes in life, that is what you have to do in order to get a clear picture. Just walk away.

I set a 5 minute timer. Then I let my son cry it out in the crib while I recollected myself. I closed both our bedroom doors and crawled under the covers. It was the best thing I could do. I did not direct any anger towards my son. At the same time, I needed the space to process the anger in order to let it melt away. I left him alone to play, but unfortunately he wanted to be nearby. I did not run to save him. In order to help others, you need to help yourself first.

The five minutes of drowning out noise gave my mind the reset that it needed. At the end of the day, it was the pounding of pavement that was fraying my nerves. And the timer gave me a boundary to regain my composure, and then return to my job – momhood. I came back calmer and happier. Somehow, I had let it go. I picked him up from the crib and consoled him, then we went downstairs to play!

I write all this because motherhood isn’t perfect or easy. But there are ways to make it easier on ourselves. I was proud with the way I dealt with the situation because I did what was right FOR ME. Everybody handles stress and situations differently. Finding a way to handle it without transferring it to your child is important. Casey hardly sees my anger or stress. Most of the time, I separate myself from him when it comes to the surface. This was very different from how I was raised with my Boomer parents. Anger was normal. Yelling was a form of communication. Blaming and guilt were accepted ways to relate to others. Ever seen Home Alone? Young people would look at that and think, “Dysfunctional!”. But back in the day, that was a normal, big family.

I write this because, sometimes, people feel like they don’t have the right or ability to walk away from responsibilities. But you definitely do. In order to recenter and eventually be able to return to your life in a way that allows you to show up 100%. Moms, I am looking at you! To be honest, I wanted to jot this down in case I forget too.

Happy Case of the Mondaze!