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10-13-2011, 01:10 PM #1Registered User
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Sound the trumpets- debt free except the house!
We got serious about our 'snowballs' 7/1/10, planned to be debt-free-except the house by 3/12, it was a little iffy as hubby's income can fluctuate greatly as he has a full time job and his own business on top of it....today WE DID IT! Paid off the last $188.xx, debt free except the house!
In the last 15.5 months we paid off, in full: 1 cc, 1 business line of credit, 1 business loan and 1 car payment.
In full, counting our mortgage we've just paid 'as usual', we have paid off $32,570.46!!!!!!
We also have $4k in an EF, $3200 saved for our next vehicle we hope to purchase in 1-2 years, and have added dribs and drabs to our retirement. I am on track to max out my Roth contributions for this fiscal year, should be easy to do now!
So what's next? An all-inclusive vacation to the Domincan Republic planned for 12/12, just today started the savings account for hubby's long-awaited 'project' car (which I could soooo do without, but I know I gotta 'give' on this one). Going to fund that retirement like nobody's business since we're behind, but we'll catch up! Gonna build, build, build that EF so we can move in another 5-7 years....need to have a full EF and downpayment and moving expenses.
A lot to be done, but all working towards what we WILL be doing, instead of paying the piper for what we HAVE done. I got a little teary eyed, pulling out of the bank after making that last payment, then pulled myself together as I had to collect my wee one from preschool. a very surreal feeling- house payment and regular monthly bills aside, our money is OURS again...it's about time!!!! Not a bad place to be a 33 yo!
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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10-13-2011, 01:12 PM #2Registered User
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Oh happy day
Way to go"Everyday as your walking down the street, everybody that you met has an original point of view" -Arthur PBS
Imagine - Wife of 18 years to Hubby
Mom to Buddy (son 15) and Little Miss ( daughter 11)
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10-13-2011, 01:17 PM #3Super Moderator
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OUTSTANDING! You should be very proud of yourselves!
Russ
Truck payments:109876 5 4 3 2 1 WAHOO!
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10-13-2011, 01:24 PM #4Registered User
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Fantastic job, you both should be very proud.
*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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10-13-2011, 01:50 PM #5Registered User
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what a great success story! congrats!
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10-13-2011, 01:55 PM #6Registered User
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WOW thats quite an achievement for just over one year!! Congratulations
2012: The Year Of The Purge!
UPDATED: MAY 15/12
2012 FLING - 673/2012 | COUPON SAVINGS $178.93
EMERGENCY FUND #2 - $510.78 | VACATION FUND - $513.58 | CHANGE JAR $222.51
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10-13-2011, 02:06 PM #7Moderator
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Happy Day it is to you! Congratulations!
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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10-13-2011, 02:10 PM #8Super Moderator
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Go you! Congratulations!
~*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
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Become a Fan of Frugalvillage on Facebook!
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10-13-2011, 02:12 PM #9Registered User
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WOW!! Outstanding job!! Thanks for sharing your success with us.
How much we enjoy what we have is more important than how much we have. Life is full of people who have more than they know what to do with, but cannot be content. It is the capacity to enjoy life that brings contentment.---Unknown
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10-13-2011, 02:30 PM #10Registered User
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Woohoo!!!
What a WONDERFUL feeling that must be! That's great news!!!!!
An obstacle is what comes up when you lose sight of your goal.
Daily Fix It, Sort It, or Clean It Challenge
May No-Spend: 9/12
"A penny saved is a penny earned!"
1 (), 2 (), 3 (), 4 (), 5 (), 6 (), 7 (), 8 (), 9 (), 10 (), 11 (), 12 (), 13 (), 14 (), 15 (), 16 (), 17 (), 18 (), 19 (), 20 (), 21 (), 22 (), 23 (), 24 (), 25 (), 26 (), 27 (), 28 (), 29 (), 30 (), 31 ()
2012 Lose-A-Pound-A-Week Challenge
I have 8.2 lbs to lose (as of Mon, May 28th, 2012)
Personal
Pay off my Morgage
$101,927.57 (as of May 28th, 2012 - 10 years, 0 months left...partly because we got a new interest rate)/$108,631.38 (as of Dec. 3rd, 2011 - 12 years, 7 months left)
Pay off my Line of Credit
$6,977.26 (as of May 28th, 2012)/$17,790.73 (as of Dec. 3rd, 2011)
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10-13-2011, 02:44 PM #11Registered User
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CONGRATS!!!!!
Success stories like yours are what keep me going in our path towards debt free living.
Thank you for the inspiration!!!
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10-13-2011, 05:08 PM #12Moderator
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~Yay!! Great job!!!~
~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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10-13-2011, 05:48 PM #13Registered User
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to you and your husband that is great.
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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10-13-2011, 06:17 PM #14Registered User
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CONGRATS!!!!!!!! Wonderful news!
I love being a History Teacher!
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10-13-2011, 07:15 PM #15Registered User
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That really is superb! Take that vacation and enjoy every second of it! It's your reward for all your efforts!
~~~
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"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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