Struggling to be debt free

So in my journey to be debt free I have looked around me to try and learn lessons from others.  One person that I have learned a financial lesson from is a coworker of mine.  She is about three years older than me and has worked at the firm about 6 months longer than I.  She is the one that I have complained about in previous posts about not coming to work.  This is her story.  Prior to coming to work at this law firm she worked as a legal secretary for another law firm.  She worked there for around 5 years and made around $50,000 a year.  She also received huge bonuses, one at least $15,000 due to a huge settlement in a case.  She squandered all of her money and bonuses. She spent the entire $15,000 on wedding preparations.  She bought a new SUV (with payments) while her husband still owed money on his truck.   She bought just about every  $50 wii game that you can think of and then never played them.  She ran up huge ...

So this one is a little late.  What can I say, I've been busy, recovering from my teeth extraction and quite a bit lazy.  Anyways, here is where the money went: $190 utilities $100 groceries $1500 dental work $180 student loan $100 savings $244 spending $100 gas Geez, it all goes so quickly.  I think I need to step down my free spending money, it's almost $500 a month I let myself fritter away. Oh, I called a new dentist office to get an appointment to have a crown placed.  They are already getting on my nerves.  I had to speak to 2 people just to get an appointment.  Seriously? Just schedule the appointment.  I don't understand people. Why is life so annoying and complicated sometimes?  

I need to set some goals for the end of the year so I have something to aim for.  Here's the list: 1. Continue to cash flow all of the dental work 2. Pay down at least $2000 more on my student loans by the end of the year. 3. Get my emergency fund up to $10,000 by the end of the year. 4. Get my online savings account up to $2,500 by the end of the year. 5. Get all of the dental work done this year so hopefully I can take a deduction on my taxes. 6. Talk to my boss about my future at the firm and a raise. 

It's already the middle of 2014.  Where has this year gone? I am so amazed how quickly it has passed. The older you are the quicker Christmas comes and each year passes. I figured it was about time that I gave you guys an update on the finances so far this year.  Here goes. Student loan- In January I owed approximately $28,853.00 on the loan.  Currently I owe $26.718, which amounts to a $2134.50 payoff so far this year. This loan is actually 2 loans through the same provider.  The little loan, around $6,000, is actually paid up through December of 2015.  The payment date has been advanced, but the entire payment has been applied to the principal.  Geez, I was hoping for so much better. Savings account- I have approximately $9,700 in my emergency fund.  I have $920 in my online savings account. This month I have earned $0.35  in interest, so far.  I have approximately $106 in rewards for my credit card (Capital one Quicksilver). (I also ...