Not Citibank! Or Discover….or Visa…or anything else that’s gonna gleefully lend me money at the bargain-basement rate of 19% a month.
And even better? We just made the last payment on our last credit card. Oh yeah, baby.
Yes, we have been here at other points in our marriage, but the difference now is that we also only used the card once in over a year. Seriously. And now we’re done with it.
I just wanted to share that because:
1. It feels great!
2. I’m proud that Baldman and I finally accomplished something that we set a goal to do.
3. I know there are some of you looking at the debt you’ve accrued and wonder if you’ll ever be able to pull yourself out of it. And I want to be a source of evidence and hope that, yes, you can do it. It wasn’t the easiest thing to do. It required a change in habits. It required sacrifices, more and different than I initially realized it might. But it was worth every bit of it.
We basically followed Dave Ramsey’s initial plans for getting out of debt. (Not that I’m saying you shouldn’t, but we didn’t buy anything, just went with the plan.) Baldman took the lead on this one, and laid out the plans, and showed when we would reach our goals and such. Seeing it as a possibility is what really motivated us, I think. And listening to a few Dave Ramsey podcasts as well.
It’s very freeing, and exciting, and I don’t ever want to be back in debt like that.
DO THE DANCE! DO THE DANCE! THE PIRATE DANCE!
(waggle waggle)
heh…waggle waggle…
Dollface, I’m so big-time proud of you for deep-sixing your debt that I can’t see straight. Great job on following Dave Ramsey’s deal and living on less than you make. Thanks for spreading the debt free word, too. Here’s looking at you, kid … I’m proud of you. Let’s get the word out!
DEBTective: You called me Dollface. :blushing:
Thanks!!!!! Am very proud of this!!! Should stay buckled down and have the car paid off within the year, and then it’s just the house! I am loving it. No telling the good things we can do with the money, the people we can help, when it’s not tied up in debt. Thanks for the encouragement.
WHOO-HOO! The excitement is contagious. Good on ya!
YAHOO!!!!! you are awesome!! i just stopped by to see what’s up and there’s great news! hopefully i’ll have some soon: i am only a year away from paying off all of my credit cards too!
Sheila: Thanks!!!!
It feels great!
Debe: Hey you! I’ve been thinking of you and meaning to e-mail you. I’m cheering you on!!!! It feels GREAT to make that last payment. Next…the car…..here we come!!!
What is this credit card you speak of?
Congratulations!!!
Hsien: Thanks! Feels great. So, am I to take it that you don’t use credit cards? If so, I am wayyy impressed!
Awesome. We did the same thing this last month. Citicard is history. That was the last one. Moving on to school loans and hospital bills.
The snowball is moving a little faster now.
William: Woohoo!!! Doesn’t it feel great?!?! Congrats to you. It is amazing how fast that snowball gets going, and how freeing it feels. Thanks for popping by and commenting.