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Thread: We did it!
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12-27-2008, 12:45 PM #1Registered User
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We did it!
We got through Christmas without the credit card for the first time ever!!! Woo-hoo! So, it CAN be done!
Who knew? We put the snowball on hold to do it, but hey, better that than adding new debt, right? Now we can really concentrate on that snowball. Yay!
Sara
Baby Step 1: DONE!!!
Baby Step 2: DONE!!!
Baby Step 3: $1,522.33/$12,600 goal (4 months)
Baby Step 4: Invest 15% of income into retirement
Baby Step 5: College funding for 4 kids
Baby Step 6: Pay off mtg
Baby Step 7: Build Wealth and Give!
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12-27-2008, 12:47 PM #2Registered User
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Congrats! That is such a huge deal, be sure to pat yourself on the back! Dh and I have been completely credit card free for a few years and there is nothing more freeing than getting through times without them!
Good luck on getting them all paid off! That day will remain in your memory forever!
Congrats again!
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12-27-2008, 12:49 PM #3Registered User
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Way to go!!!
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12-27-2008, 12:50 PM #4Registered User
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Congratulations!! That is a huge accomplishment, at least it was for us. We have been credit card free for Christmas for the last five years and it is awesome!!!
~Non-Mortgage Debt: $2,440.95~
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12-27-2008, 01:00 PM #5
Congratulations that is an awesome job.
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12-27-2008, 01:17 PM #6Registered User
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Awesome! Congratulations...I know how great we felt when we started doing this. The first Christmas was the hardest. It gets easier every year!
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12-27-2008, 04:32 PM #7Registered User
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Way to go!! I think it is great that you didn't have to add any new debt even if it meant stopping the snowball for a month. Just start over in January where you left off. :high5:
~*Michelle*~
~Wife to Rick since Dec. 19, 1986~
~Mother to Richard, 23, Chris, 21, and Dakota, 17~~Mother-in-law to Amber, wife of Richard~~Elementary Teacher~
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12-27-2008, 10:50 PM #8Registered User
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Fantastic news! There may be better feelings, but not by much!
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12-28-2008, 06:17 AM #9Rude and Vile Master
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That is absolutely fantastic!!! Way to go! Cash. IS. KING!
If you could kick in the pants the person responsible for your problems, you wouldn't be able to sit for a month.
Did you know that a 4 year student paying $20,000/year who finances their education graduates with over $103,000 in debt to start? But a student who works and pays cash and takes 6 years to graduate ends with $6,300 in their pocket! So much for "getting a head start by financing!"
Greebo(Nerd Spender): Loving and extremely patiently tolerated husband of ceashels.
WARNING: Y Chromosome behind the keyboard. Adjust your listening filters appropriately!
ThreeTwo mortgages,twooneno car loans,oneno credit cards, and a partridge in pear tree!
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12-28-2008, 08:19 AM #10Super Moderator
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:hifive: WTG!
~*Darlene*~
Live Well~LaughOften~Love Much
"Too often we underestimate the power of a touch, a smile, a kind word, a listening ear, an honest compliment, or the smallest act of caring, all of which have the potential to turn a life around."
Leo Buscaglia
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12-28-2008, 10:34 AM #11Registered User
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Wow you did great! Get that snowball rolling and you'll be debt free in no time!
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12-28-2008, 11:05 AM #12Registered User
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You are my personal hero! And I am determined to be you next year! Heck, I am determined to get through this entire remodel without the use of a card...wish me luck!
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12-28-2008, 11:12 PM #13Registered User
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Congratulations!! This Christmas was credit card free for me as well. I also plan on keeping it that way. There is nothing more satisfying than opening the credit card bill in January and not seeing anything added to it from December!!! Yippee!!
Good luck frugalbabe on your challenge too!Dh Bob FIL 
DS (21) at Lakehead U - go Thunderwolves!
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12-28-2008, 11:28 PM #14Registered User
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Congratulations! This was the first Christmas we did credit card free too. It is the BEST feeling ever, and I look forward being completely credit card free one day.
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12-31-2008, 06:23 AM #15Registered User
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This is the first Christmas I had with no credit cards. Guess what we still had Christmas!! My son said I think what we had this year was a "normal" Christmas. We are all doing so good. This is the first of many no new debt Christmas's.
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