Officially credit card debt free!!

iVillage Member
Registered: 05-19-2004
Officially credit card debt free!!
12
Mon, 03-28-2005 - 10:23am

I just sent in the last chunk to GM Card on Friday! The 0% balance transfer offer will end March 31st. I feel like saying to them "NA.. NA.. NA NAA NA~ you can't charge me interest!!" I know, that's a bit childish.. he he. It almost doesn't feel real yet since I've been consumed with it for years. We've paid it down before, but never the whole way off. THis board has helped me so much. Everytime I saw someone else post a payoff, that pushed me harder so I could get there too! We will never get back in that trap again!! I have DH on board this time and we have no urges to use the card anymore.

Plus Chase card, in which I still have an open account (card is ripped up, no balance in months)sent me one of those checks for $20.00 that will sign me up with their credit insurance at 89 cents per $100 of your balance. "You can cancel at anytime and there is no cost unless you have a balance" ....so of course I cashed that check!!!! I will call them once I get the info in the mail and cancel. I have made about $50 off of these companies this way. Why would they send me that check when they know I haven't had a balance in eons!? Does anyone else get these checks?

We are not done yet though. We have $477 left on furniture plan (0% until Oct) which I will payoff within the next 2 weeks. Next my student loan ($3500) by July, then we'll save for the new house. DH still has $9k on his student loan, but we are not waiting that long for the house. We decided to just keep paying the minimum on that for a while.

Thanks for letting me share my glee!
~Nicki

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iVillage Member
Registered: 05-10-2004
Mon, 03-28-2005 - 10:28am

Congratulations!

 

iVillage Member
Registered: 02-06-2005
Mon, 03-28-2005 - 11:02am
Congratulations!
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Avatar for mymartes
iVillage Member
Registered: 03-26-2003
Mon, 03-28-2005 - 11:29am

Congrats. Sounds like you have a good plan going on.

MYM

Avatar for cl_phocid
iVillage Member
Registered: 03-26-2003
Mon, 03-28-2005 - 3:41pm

Congrats Nicki!

All my best,
Danni

Avatar for cherfer
iVillage Member
Registered: 11-11-2003
Mon, 03-28-2005 - 5:17pm

CONGRATS!!! I can't wait until I can write in and share the news of my debt pay off! It may a year or two, but I will, mark my words!

:) :)

Cheryl

iVillage Member
Registered: 09-21-2004
Mon, 03-28-2005 - 7:54pm
Congratulations!!!
I don't blame you for not waiting for a house. You seem like you are in a great place and could definitely handle your debt and a house. Good luck on your house hunt.
iVillage Member
Registered: 03-27-2003
Tue, 03-29-2005 - 6:26am

Woo-hoo! That rocks. I'm glad you're going to let yourselves save for the house soon--that rocks too!

I'm so proud of you!

Heather

iVillage Member
Registered: 02-25-2004
Tue, 03-29-2005 - 8:24am

Alright...WAY TO GO!!!! You're hard work is paying off and it's worth it.

Keep up the good work!

:)

Avatar for mahopac
iVillage Member
Registered: 07-24-1997
Tue, 03-29-2005 - 4:28pm

Congratulations! That is an accomplishment!

Kelly

iVillage Member
Registered: 04-29-2003
Tue, 03-29-2005 - 5:22pm

Way to go! That is awesome.

Sola

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