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Thread: my first debt free......
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12-24-2010, 03:07 AM #1Registered User
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my first debt free......
This is my first credit card free month.
This is my first credit card free Christmas.
This is my first month I didn't have to use a credit card to pay an utility bill
This is my first month I didn't have to use a credit card to pay for gas.
This is my first month I didn't have to use a credit card for an emergency.
This is my first month I have received the credit card statements with zero balances.
This is my first month I haven't lost sleep because of credit card.
This is my first month I haven't had to work overtime to pay for the credit card bills.
This is my first month I didn't freak out when my employer announced reduced working hours.
This is my first month I have posted anything this special.
This is my first month I get to take off a week from work and have cash set aside for it.....no credit card.
This is my first month I feel relief from credit card debt.
Merry Christmas to me.Step 1 $207/1500
Step 2 Student loan $160.00 monthly
Schewels paid
Step 3 $252/$15000
Step 4
Step 5 1 child in college graduates 12/12
2 child $50.00
Step 6 $70,761/$93,000
Step 7 Build wealth & give.
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12-24-2010, 06:34 AM #2Moderator
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VERY NICE
And look how far you have come
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12-24-2010, 07:55 AM #3Registered User
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Way to go!! That is a HUGE accomplishment and the beginning of something really great. Here's to many more months and seasons of financial success!
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12-24-2010, 08:01 AM #4Registered User
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What an AWESOME Christmas gift to yourself
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12-24-2010, 08:05 AM #5Moderator aka AmyBob
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That is so very exciting!!! You must be so proud!
My Blog: http://amysreallife.wordpress.com
Amy
Wife to
Mommy to 4
Public School Teacher
Our Only Debt: Mortgage - $454,243.56
2012 Grocery Challenge: $474.57/$500 January
Fling 2012 Things in 2012 Challenge: 253/2012
Reading Challenge: 6 book read in 2012
Always remember others may hate you, but those who hate you don't win unless you hate them. And then you destroy yourself."
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12-24-2010, 08:11 AM #6Rude and Vile Master
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Merry Christmas to you, and to you, a Good Bank Balance!!!
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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12-24-2010, 08:11 AM #7Rude and Vile Master
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May I share your post with the crowd over at TMMO?
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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12-24-2010, 08:14 AM #8Moderator
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How wonderful you must be feeling! CONGRATULATIONS!
And can I link your post to the Frugal Village page on FACEBOOK?The Free Spirit Saver who walks the path with Greebo.
Onboard with a modified Dave Ramsey Plan
Budget: "Every month! On paper, on purpose!"
Gardening somewhere between Zone 6b and 7a.
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12-24-2010, 09:58 AM #9Registered User
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You should be so proud of yourself! Keep it up!
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12-24-2010, 10:09 AM #10Registered User
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Congratulations, great job. Merry Christmas and very Happy New Year.
Cat
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12-24-2010, 01:28 PM #11Moderator
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Congratulations....how awesome!!
Married to George {married 9/23/11}
Step-Mom to Connor {8}, Ethan {7}, Rylin {5}, Adri {3}
Dog Mommy to Ruby & Raven-{7}
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12-24-2010, 01:34 PM #12Super Moderator
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That is so awesome! Go you!
~*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
2012 Challenges
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12-24-2010, 01:43 PM #13Registered User
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Congratulations - that's awesome! Merry Christmas to you!
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12-25-2010, 01:11 AM #14Registered User
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And ONE FINE JOB you have done............CONGRATS!!!
Give yourself a big pat on the back.....you deserve it.
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12-25-2010, 09:34 PM #15Registered User
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How relaxed and stress-free you must feel! You should be very proud of yourself! You worked hard at being debt free! Enjoy your Christmas!
~*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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