MY 2015 Debt Challenge changed to 2014

**ARCMOMMY** · 03-13-2012, 02:55 PM

I have been following DR to get out of debt and am so thankful to have started this program when I did. I was projected t0 be out of Debt around April 2015. However I have learned so much and have become so frugal I truly bbeleive I can do this by April 2014. We will be out of debt except the house. I have done all the calculations and think I can really do it. So I'm going to post here in a few my exact totals once I find my household binder.

**qsaver704** · 03-14-2012, 01:17 AM

Great to hear! You may hit bumps along the way, but stay focused and you can make it. The forum helps a lot.

**ARCMOMMY** · 03-14-2012, 10:29 AM

Thanks I am trying very hard to keep sinking funds in place so that the bumps do not hit so hard. This has been my problem the last 2 years. I would never be strict about other sinking funds and then I would use up the er fund and be starting all over again. Now I am not going to let that happen anymore.

**Russ** · 03-14-2012, 10:32 AM

Awesome news! Looking forward to posting "congrats"!

**ARCMOMMY** · 03-14-2012, 10:56 AM

Originally Posted by Russ

Awesome news! Looking forward to posting "congrats"!

Thanks I can't wait to call in on my Debt Free Friday. I'm having a huge party that day. lol!

**frugalfranny** · 03-17-2012, 04:19 PM

WTG.........great planning and stay with it.

I think you can do it too......looking forward to the "I am debt free" post..........you will get there!!

**tripleb** · 03-28-2012, 07:04 PM

WTG! You will do it!!!

**khaski** · 03-31-2012, 07:47 PM

The only thing better than working towards the goal of becoming debt free is realizing it will happen faster than you originally planned! Keep up your good work!

**wheezie** · 04-01-2012, 02:56 PM

Great job!!

**ARCMOMMY** · 07-19-2012, 03:12 PM

Just realized I never updated any pay off totals. So far we have paid off $40,000 in debt since we have started. I would really like to have this last $20,000 done in a year instead of a year and a half. I have a large consignment sale comming up and the chunk of $$ I hope to get from that will be a nice start to hacking away this last $20,000. I will say that I have been so much better about sinking funds lately. I need to pull my free credit reports and update them this weekend also. Once I get a little better score I hope to refinance our home mortgage to a lower rate. I hope to do this very soon.

**ARCMOMMY** · 12-14-2012, 11:24 AM

Looking at this last post it feels like I have not been gazelle intense. We are starting something new with our family meetings this Sunday so I plan on having a better plan in place to roll out. I did make a Few changes that will allow me to have some more income next year. This will help out tremendously.