woohoo! done, done, done!
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|Wed, 11-20-2013 - 8:56am|
good morning dsg!
i haven't posted for a few months, but wanted to come and share the news- we are debt free!
we started feb 2010 with $119,562 in debt. we have been busting it down ever since. that amount was a mix of credit card, car, and student loan debt. took us 3 years and 7 months but we are DONE! we have been putting away for the efund since and have about half of it established already.
it's been so much fun in our house with discussions of saving and investing! i already kicked back up to the match on retirement (we stopped it about halfway through to speed us up). we have been interviewing financial advisors and will up to 15% at the beginning of the new year. there are 100 things floating in the air that we would like to do and we are working to prioritize them and get a new action plan in place.
the best part about being debt free right before the holidays is that we are planning to be extra generous this year. we are going to really be looking for opportunities to help others around us who need a boost. we have always found ways to give, even with our meager budget amounts to give to the food bank or other. this year we will be doing much more and i have never been so excited for the holidays.
i just wanted to post to say, don't give up. wherever you are in your debt payoff journey- don't give up. every single penny adds up and every extra payment does really move the needle. it's hard and overwhelming at times. but i know that you all came to this board looking for a brighter future and less stress about your finances (i know that's why i started posting here many years ago). you can all do it, i believe in each of you. keep up the good work.
and last- norma- look how close you are?!!? i remember posting (maybe a zillion years ago) that i was going to race you to the finish line. i wish you nothing but happiness and a fast finish of your own.
thanks. all my best.