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Thread: Debt Free!

  1. 01-28-2011, 03:28 PM #1
    OOwl
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    Default Debt Free!

    Today, I paid the final payment on my LOC (I realize now it was stupid to convert unsecured debt into a secured debt but it DID give me white-hot incentive to get it paid off and the interest rate was a wonderful 3%). I paid off $18,601.23 in 25 months. This leaves me debt free, including my house. I have a 2008 vehicle that is paid for, as well, and in good shape for (hopefully) many years to come.

    I really am very shy so up until recently haven't posted much to this site, but I really did draw a lot of inspiration from the stories of success and those of ongoing courage. It made me not feel sorry for myself and it made me at times humble.

    My focus now will be to build up my 8-month emergency fund. I plan to stick around FV and keep learning. Thank you to all for sharing what you do, recipes, encouragement, head's up on deals, and for accountability.
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  2. 01-28-2011, 03:30 PM #2
    HappyMama
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    Congratulations! Fantastic job, many kudos to you.
    *Angel*

    Dave R. Plan
    Step one - Done
    Step two-Done
    Step three-Done
    Step four-Done
    Step five- Working on
    Step six- almost done
    Living debt free except the mortgage and working on that !!!

    Be content with what you have;
    Rejoice in the way things are,
    When you realise there is nothing lacking,
    the whole world belongs to you.

    -Lao Tzu

    Have Courage
    “Whatever course you decide upon, there is always someone to tell you that you are wrong. There are always difficulties arising which tempt you to believe that your critics are right. To map out a course of action and follow it to an end requires…courage.” Ralph Waldo Emerson

    "I've learned that you shouldn't go through life with a catcher's mitt on both hands; you need to be able to throw some things back..." Maya Angelou

    "Choose a job you love and you will never work a day in your life." (Confucius 551-478 BC)
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  3. 01-28-2011, 03:30 PM #3
    Darlene
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    Woot! 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
    Books Read: 43
    :



    Become a Fan of Frugalvillage on Facebook!
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  4. 01-28-2011, 03:35 PM #4
    wwe11
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    Congratulations!
    2012 Debt Reduction

    (cc#1) Kohl's- P.I.F. (closed)!!!!

    (cc#2) Chase- P.I.F. (closed) !!!!!

    (cc#3) capital one(mine)- $741.37 /$731.34

    (cc#4) amazon-$1,458.47 / $863.94

    (cc#5) Kohl's - $606.29 / $687.16(CLOSED!)

    (cc#6) capital one(His)- $615.93 /$673.97

    (cc#7) CHASE (HIS)- $1,985.14 / $1,055.85

    (cc#8) Lowes(His)- $3,355.71 / $2,592.42


    (cc#9) Tractor Supply(his)- $3,981.05 / $3,729.95

    (cc#10) Visa(mine)- $918.12 / $1,021.83(CLOSED!)

    (cc#11) Home Depot(his)-$3,796.87 / $3,375.31

    (cc#12) Capital One(mine)- $2,991.98 / $2,967.94

    (cc#13) Micro center- $743.61 / $755.60

    car pyment- $16,245.30 / $17,773.46

    house pymnt- $76,973.95 / $81,360.00




    $0
    $14.00 EF
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  5. 01-28-2011, 03:49 PM #5
    thesightofoneself
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    congrats on all the work you've done and good look with your future

    kindness is unlimited

    fling: 0268/2011


    2011 Goal: get out of debt and visit my gf in arizona
    debt: about 10,000 | owed: about 10,200

    homesteading skill-a-month challenge: january/february/march - hydroponics ; april - solar heater
    reading list: king of the screwups -done!;
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  6. 01-28-2011, 04:14 PM #6
    Ceashels
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    Congratulations! Your story will now inspire someone else. I'm happy that you now have such financial freedom.
    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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  7. 01-28-2011, 04:26 PM #7
    Russ
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    YOU ARE AWESOME!!!! Congratulations!
    Russ

    Truck payments: 10 9 8 7 6 5 4 3 2 1 WAHOO!
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  8. 01-28-2011, 04:32 PM #8
    bumplett
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    Fantastic News!! WTG!!! You should be very proud of yourself!!
    Don't Breed or Buy While Shelter Pets Die

    married 16 yrs to my
    mom to big J (15)
    mom to little j (8)
    Zena Cherry Sara Knat Lucky Chianti Abby Alice Jasper
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  9. 01-28-2011, 04:55 PM #9
    piney
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    congulation that shows what fv can help people do if we read and put things into practice.
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  10. 01-28-2011, 05:02 PM #10
    krbshappy71
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    I AM SOOOOO JEALOUS!!! in a good way, you are an INSPIRATION!!!
    LDR , 2 DD (one left the nest, one rarely home) More pets than money. More love than sense.

    "If you can't see the light at the end of the tunnel, march down there and light it yourself."

    Full-time job
    Car loan and personal loan
    Challenges for 2012:
    2012 Grocery Budget Reduction Challenge- $100 a month. (down from $150) Hm, might be too low.
    Electric Usage Challenge (doing well, under $70 most months)
    Yah, I suck at this money stuff, I know. That's why I'm here.
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  11. 01-28-2011, 07:03 PM #11
    MaryCarney
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    Woo-hoo!!!! Impressive.
    Can you give us an idea of how old you are and what kind of work you do?
    Mary Carney Working the night shift 'cause they never have meetings at 3am!
    DD Sarah 32
    DD Rosanne 28
    DS Benjamin 18
    DD Kathleen 17
    Married to David since 1975



    Starting grad school September 1, 2010 in pursuit of MSN degree.
    MSN degree completed on 4 May 2012 with NO DEBT!
    Total cost (including books) = $8375.
    Weight loss on Weight Watchers since June 1= 18.8#
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  12. 01-28-2011, 07:26 PM #12
    OOwl
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    Thank you, everyone. Mary, I am in my late-40s, and I'm a Media Asset Librarian in an IT department.
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  13. 01-28-2011, 09:04 PM #13
    Palooka
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    Congrats! Great job.
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  14. 01-28-2011, 09:38 PM #14
    handerson2005
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    Congratulations! What a wonderful inspiration!
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  15. 01-28-2011, 10:29 PM #15
    Lynn4
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    Oh you must feel soooooo good! I can only think how I'll feel when I finish off my mortgage in another 4 years (or less!) I'll do a little victory dance for you!

    Frugal rocks!
    Down with the mortgage!
    Keepin' it fresh!
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