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02-07-2011, 03:40 PM #16
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We also became debt free on 1/5/11 and I share your excitement it is a great feeling!!! Way to go !!!!We are cancer free but dealing with lung issues
(Life is fragile handle with prayer)
- 02-07-2011, 04:07 PM #17
- Rep Power
Congratulations! Probably feels like a ton of weight is off your shoulder.No spend challenge: 0/30
No eat out challenge: 0/31
2012 reading challenge: 7/12
June coupons: $3.49
2nd EF: $7013:lemon
Waste no more food challenge
NO DEBT except MORTGAGE! $9350.54
02-07-2011, 05:46 PM #18
- Rep Power
Thank you for the tip, I've requested "America's Cheapest Family" from our library.
Did you know they have a new book? "Cut Your Grocery Bills In Half With America's Cheapest Family", published in 2010. I requested it, too.
PS Congratulations on your debt free lifestyle.
02-07-2011, 07:03 PM #19
That's fantastic!! Big Congrats!
02-07-2011, 07:07 PM #20
02-07-2011, 07:50 PM #21
Here are a few examples of what we cut out of our spendings after the first year of our marriage:
Eating out vs eating in!
Subway x3/per week @ $14 per order = $180/month = $2,,167/year
Sushi x1.5/per week for about six months when my wife was pregnant @ $40 per order = $1,548/6 months
Taco bell x3/per week @ $12 per order = $155/month = $929
Grand total of $4,644 of eating out during our first year of our marriage. Mind you my wife was pregnant three months after our wedding and so most of the eating out was due to her cravings.
Soon after our son was born we cut eating out 90% of what we were use to. A few months later after that we cut our eating out to 2-3 times a month if that!
Next was entertainment at the local video store.
On average we would rent a movie or two probably 3 to 5 times a week. Some new and some old. So for arguments sake I'll say we spent on average $18 per week which averaged $77 per month which then averaged $929 for that year.
We also cut that out of our Bugdet last year. Since then we subscribed to Netflix $14 per month and $168 per year which ain't too bad at all.
Other items we took into consideration was our clothing, misc items we needed around the house vs what we wanted in our house, packing food when we go out, eating at our parents house to take advantage of free meals, drive less frequently or make all the necessary stops in one trip out the door, started a savings, shopped around for the best prices, shop at local thrift stores/garage sales/craigslist postings, ect ect... The list goes on but you get the picture.
It all boils down to RESPONSIBILITY!
Oh and might I add my credit score at the moment is in the high 700's and i'm hoping to see it jump past the 800's after the funds go through my credit cards!
02-07-2011, 08:24 PM #22
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- Dec 2008
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Congratulations!! That is awesome at your age!Dh Bob FIL
DS (23) at Lakehead U - go Thunderwolves!
May No Spend Days - 20 / 25
No Eat Out - 139 /365
11/12/13 Challenge - savings - $3,750 /$10,000
Reading Challenge - 7 /15
52 Week Saving Challenge - will remove as I add them to the envelope - W3-$3, W4-$4, W5-$5, W6-$6, W7-$7, W8-$8, W9-$9, W10-$10, W12-$12, W13-$13, W14-$14, W15-$15, W16-$16, W17-$17, W19-$19, W24-$24, W25-$25, W26-$26, W27-$27, W28-$28, W29-$29, W30-$30, W33-$33, W34-$34, W36-$36, W37-$37, W38-$38, W39-$39, W42-$42, W43-$43, W46-$46
02-07-2011, 09:01 PM #23
02-07-2011, 09:22 PM #24
Great job! Thanks for sharing.
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