Finally got approved for a mortgage after years of stressing about my student loans. Honestly thought I'd never get here, but refinancing and budgeting like crazy paid off big time. Curious if anyone else has had a similar win lately?
"Honestly thought I'd never get here, but refinancing and budgeting like crazy paid off big time."
Congrats on getting approved—that's a big step. I went through something similar myself, but to be honest, refinancing didn't do much for me. What really helped was setting up a super detailed budget spreadsheet. I tracked every single expense (even the tiny ones like coffee runs and snacks at the gas station), and it was eye-opening to see where my money actually went. After a few months, I managed to cut out enough unnecessary spending to start saving seriously for a down payment.
Curious though, did you find refinancing your student loans straightforward or was it kind of a hassle? I've heard mixed things from friends who've tried it. Some say it saved them tons, others felt like the savings weren't worth the paperwork headache. Wondering what your experience was like...
