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03-25-2011, 11:59 AM #1Registered User
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We're DEBT FREEEEEEEEEEEEEEEEEEEEEE........
The day has finally arrived and we are now TOTALLY Debtfree!!!!!
Our last debt, the mortgage is now PAID OFF!!! The feeling is incredible.
I'm so thankful to God to have found Dave R, back in Nov 2004. Bought his book for me and the audio CD's for hubby (who's not a reader). We were on "the plan" starting that Dec and there was no looking back. Yes, there were times that were very tough, especially when hubby's focus would stray or his job was in jeopardy and we were on unemployment, but we stayed on track and finished the race!
The crazy thing is that when you totally are in control of your money, it almost seems that that you have so much more (even when you actually don't)! It's so important to stay focused......... especially when you pay each debt or reach the next "level".
Even though we now have no debt, we'll still be on "the plan". We need to finish up our fully funded Emergency Fund. We currently have 8 months saved, but I'd prefer a good 12 months for the sole reason that my hubby works in the automotive industry (Big 3) and as far as I'm concerned, their stability is always questionable.
We've already helped our daughter through college (she paid ½ and graduated debtfree). Now we're putting away money for a possible wedding in a year or two. We still have a son in highschool and have to finish saving what we'll contribute to his education.
Also, we need to get so much more into a retirement fund. I'm taking on the view of not counting on his pension (although hopefully it will still come through), so we need to save a lot to support ourselves. We have 15 years until he's 65, so while we can relax because of the lack of debt, we still need to stay focused to finish up the retirement step.
2011 is an exciting year for us! My hubby just turned 50, we've now paid off the house and in June we'll celebrate our 25th wedding anniversary! We have 2 wonderful children and great family & friends! We are so thankful and truly blessed!
Sorry, didn't mean to ramble...... just so excited and want to encourage everyone to HANG IN THERE!! YOU CAN DO THIS TOO!!
Last edited by ConnieD; 03-25-2011 at 12:23 PM. Reason: for spelling errors. Think I got them all, but please ignore any others, LOL!
Connie
Wife to DH (6/7/1986)
Mom to:
DD 23
DS 15
Following the Dave Ramsey plan since Dec 2004 and have been debtfree but the mortgage since Apr 2006
Now MORTGAGE FREE as of March 2011
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03-25-2011, 12:03 PM #2Registered User
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Ramble away, baby!!! That's awesome and totally ramble-worthy news!!!! I'm so proud of you. What a tremendous amount of work that was, but you have accomplished so much and will now reap the rewards of your efforts.
CONGRATULATIONS!!!
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03-25-2011, 12:13 PM #3Registered User
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Congratulations! I'm so excited for you!
Grace, wife to Bill
DD Chloe (03/2010)
DD Emma (05/2011)
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03-25-2011, 12:15 PM #4Registered User
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Congratulations!!
Pine trees, with their needles pointing up to heaven, represent everlasting light and life.
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03-25-2011, 12:17 PM #5Registered User
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What an accomplishment! You have every right to be proud and shout it from the rooftops! 
Enjoy being debt FREEEEEEEEE! Have you called Dave's show yet??? 
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03-25-2011, 12:21 PM #6Moderator
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~That's fantastic!!!~
~Constance
~DH 
~DS 9
~DD 7 
~DD 1 
2012 FLING: 1706 OUT, 313 IN
MENU PLANNING:4/52
BLOG POSTS: 3/30
BOOKS READ:27
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03-25-2011, 12:26 PM #7Registered User
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Awesome... that must be a great feeling
Frugalista Mama to DD 12 & DS 8
Crazy Boxer *Sadie*
**Debt Free Minus the House**
2012
Challenge 17/50
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03-25-2011, 12:40 PM #8Super Moderator
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So happy for 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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03-25-2011, 12:48 PM #9Moderator
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Congratulations!!!!!
That is totally fabulous!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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03-25-2011, 12:53 PM #10Registered User
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Congratulations, I am so happy for you!!!! Good job!
*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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03-25-2011, 12:56 PM #11Registered User
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Now get out there and LIVE LIKE NO ONE ELSE!!!!!
Congrats!!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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03-25-2011, 01:28 PM #12Registered User
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that is great news like that encourages me to try even harder to get out dept.
challanges for 2012
Grocery budget challange $200.for grocery,Hba,& stockpiling,each month.
May,no spend days challange 20-5/22
1-26/2-18/3-26/4-24/
change jar
1-2012 Grocery,hba,stockpiling $168.46
2-2012 ''''''''''''''''''''''''''''''''''''''''''''''""""$160.42
3-2012 """""""""""""""""""""""""""""$136.52
4-2012"""""""""""""""""""""""""""""""$97.97
5-2012''''''''''''''''''''''''''''''''''''''''''''''''''''''''
2 
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03-25-2011, 03:07 PM #13Registered User
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WAY TO GO! I can't imagine how great it feels to be YOU GUYS right now! All that hard work paid off, with interest(ha ha). You have all this time before you even retire, living DEBT FREE. Fantastic! Thanks for sharing your accomplishment to help inspire the rest of us to keep our nose to the grind!
May:
Coupon/drug store rewards:$15
$ Spent accumulating coupons: $5.99
YTD totals:
Coupons/drug store rewards: $759.04
$ spent getting coupons:$92.70
2011 total savings:$2068.18 2010:$1066.58
Meatless dinner: 13/52
Weight loss challenge:1.4/35
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03-25-2011, 06:22 PM #14Registered User
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What a wonderful relief for you--congrats !!
Charity Items 3
Change Jar
Christmas 2011 
Books read
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03-25-2011, 06:30 PM #15Registered User
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Awesome!!!!
~~~
~~~~~~~~~~~~~~~~~~~~~~~~~~~~~
"Whoever said you can't buy happiness forgot about little puppies." -- Gene Hill
"A woman's heart should be so hidden in God that a man has to seek Him just to find her."
— Maya Angelou
"God has the right, and does not require my permission, to rearrange my life to achieve His purposes."– Anonymous
Live in harmony with each other. Don't be too proud to enjoy the company of ordinary people. And don't think you know it all!
~ Romans 12:16, NLT
The art of being wise is knowing what to overlook.
William James
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