I've been waiting to write this entry for a very, very, very long time now!
Finally today, I wrote one of two final checks to clear out our massive amount of debt! The rest will be paid off after pay day next Friday. Wahoo!! We will have 0 credit card debt!
This has been a long time in coming. I will never know what the worst of it was because I was afraid to look until it totaled $27,000. I thought it would be easy to pay off. I thought if we stuck to a plan we'd have it paid off within the year. That was three years ago. I don't suppose three years was all the bad in retrospect. The problem was that even though our plan was always to send X amount to the cards each month, things come up. Holidays, food for holiday guests, vacations we couldn't say "no" to, school pictures, school fund raisers, car repairs, doctor's visits, emergency dental needs, worn out shoes, Christmas gifts, new baby gifts, etc., etc., etc. The best of plans have a way of getting derailed.
But today as I type we are finally credit card free.
Next mission: the car. If I do nothing we'll have it paid off NEXT Spring. But if we put more toward it...who knows. I think what we're actually going to do is just sock money away and once the balance in savings matches the car payoff, we'll send it all in.
Finally, finally, finally, the happy dance!
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So it has been a long, long road! I plan to continue living like a pauper, possibly forever. I really don't feel deprived, except at the holidays when I wish I could spend more on the people I love or when I see a decoration I really want but don't need.
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I'm so HAPPY and truly PROUD of you and your DH. Stay focused and keep up the great work.