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Finally, finally, finally, the happy dance!

November 5th, 2009 at 05:45 pm

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.

16 Responses to “Finally, finally, finally, the happy dance!”

  1. KellyB Says:

    AWESOME job!! Comgratulations on being credit card debt free! Now make a solid plan for what you will do with the money you've been sending to the card payments - either emergency fund or car payoff or a little of both. Enjoy your accomplishment then Set your next goal!

  2. creditcardfree Says:

    It is great to hear from you AND then you top it off with FABULOUS news that you are credit card debt free!! Yipee. Happy Dancin' with you!!! Great job.

  3. lizajane Says:

    EXCELLENT! Congratulations. Three years doesn't seem all that long to me for paying off that kind of money. You done good Smile

  4. Kris10leigh Says:

    It has actually been 11 years, but I didn't really start trying until three years ago. It all started when we put the honeymoon on a credit card. So today, I feel like we're finally paying off the honeymoon! From there it was large, but necessary items that went on the cards; down payment for a car, new fridge to replace broken one, new water heater, etc. Then we moved and stupidly bought before we sold and carried two house payments for 11 months. Soon groceries and bills were going on the CC's. Then my husband lost his job.

    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.

  5. homebody Says:

    Hurray! I will be joining you next week!

  6. campfrugal Says:

    Congrats, that is awesome. I am not far behind you.

  7. Petunia Says:

    Woo-hoo! Doing the happy dance with you! What a great accomplishment!

  8. Broken Arrow Says:

    Hehe. Read about this in the forum. Congrats!

  9. CB in the City Says:

    Congrats! You done good!

  10. monkeymama Says:

    Congrats!

  11. wowitsawonderfullife Says:

    Congratulations!

  12. Ima saver Says:

    That is wonderful!! We are all so proud of you!!

  13. pjmama Says:

    Congrats!! Smile

  14. Kris10leigh Says:

    Thanks so much for the kind messages! It is a very good feeling.

  15. mooshocker Says:

    WONDERFUL....congratulations....what perserverence....God bless you.....

  16. sharmanl Says:

    AWESOME Job!!!

    I'm so HAPPY and truly PROUD of you and your DH. Stay focused and keep up the great work.

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