Tonight we went out with John’s parents to celebrate our final payment on our student loan!!! YAY! We should have really had a few more payments into November but decided to just finish it off now and it feels so good to be done. There’s a lot of freedom suddenly, in realizing that now we can really be a dual income couple. It also feels good to know my salary won’t disappear every two weeks anymore.

I am pretty proud of us for doing this in just over six months and I’m so thankful for my job (even though it’s been difficult to enjoy lately) making it possible for us to get basically debt-free (we still have the car payment). Now we can start really saving for a house!!

It was also a huge blessing that John’s parents let us borrow the entire loan amount so that we could pay it off in Canada and stop worrying about the exchange rate and the super-high interest. Setting up an automatic payment to the parents was 100x easier than dealing with two different bank accounts, currencies and the Canadian government every month.