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-   -   So Relieved!!! I am finally debt free! (https://www.yorkietalk.com/forums/off-topic-discussions/99557-so-relieved-i-am-finally-debt-free.html)

Superstarkba 10-24-2007 01:28 PM
Congrats!!! I bet you are excited. Its a wonderful feeling.

KELLYLYNN 10-25-2007 03:07 AM
Quote:
Originally Posted by mizzwanned (Post 1457799)
lol yea i know but it is a great massager, i just really wanted to get her something nice and useful cause she's a nurse and always on her feet all day. I think it's the most expensive thing i've bought her so far, but she really loves it and uses it a lot so im happy.
i know what you mean, i always over spent on my mother, cause she is the best, and worth every penny. :D

KELLYLYNN 10-25-2007 03:11 AM
What you can do to, when you get your job, i just did this where i work, i got one big credit card out of the way that was about 400.00 i was paying a month, i have a savings account and i have payroll taking 100.00 per pay out of my check and putting it in my savings account... that's going to help build it back up again, i took to much out of it this year...

Superstarkba 10-25-2007 03:52 AM
Quote:
Originally Posted by KELLYLYNN (Post 1457704)
Self control !!!! you can do it.. i have one credit card like i said i have it locked up in my safe for emergencies only.... Take a good look on your credit card statement and tell me one thing on there that you REALLY needed !!!! i couldn't find one thing on mine (before baby), i use to just buy clothes, shoes, stuff that's still hanging in my closet cause i don't go out anymore cause of the baby... i was just bored on the weekends and went shopping to go shopping....

Thats the same way I am. I go shopping just to go shopping. So right now Josh and I have set a limit to 25 dollars earch a week to go shopping with. Then the other down fall that I have is eating out, which I want to go do now but I can I have already went over my 10 budget for the week.

KELLYLYNN 10-25-2007 04:00 AM
Quote:
Originally Posted by Superstarkba (Post 1459665)
Thats the same way I am. I go shopping just to go shopping. So right now Josh and I have set a limit to 25 dollars earch a week to go shopping with. Then the other down fall that I have is eating out, which I want to go do now but I can I have already went over my 10 budget for the week.
oh i miss going out to eat, it's funny we go to the foster house on Sunday's -maybe once a month from 4-8 they have pittsburgh sandwiches there buy one get one free.... :D

Superstarkba 10-25-2007 05:41 AM
Hey, what evers a good buy!!! Eating out gets really expesive!!

crystalsmom 10-25-2007 05:45 AM
I am so proud of you:) :thumbup:

SevenGirl 10-25-2007 05:49 AM
Wow! What a great accomplishment! Congratulations! :)

mizzwanned 10-25-2007 11:03 AM
Quote:
Originally Posted by Erin (Post 1457966)
Yeah we've paid off like at least $40K and we have less than $10K to go, so this is the easy part :D It was HARD at first, but I recommend it to anyone!
wow that's great! It makes it seem like mine was nothing, lol omg i couldn't imagine having to owe like $40k but i know when i get a house i will have to

mizzwanned 10-25-2007 11:04 AM
Quote:
Originally Posted by HallTx1203 (Post 1458197)
WTG....That is fantastic......Best of Luck on finding your job....


BTW You have to splurge every now and then (on Your Mom)...They are worth it...
Thanks! I'm already looking! Yea i splurged that one time, she is so worth it!

mizzwanned 10-25-2007 11:05 AM
Quote:
Originally Posted by sabsab00 (Post 1458209)
What I do is :
I get all of my bills together and what dates and the amounts that they are due
Then the amount I make at work after taxes
Gas money
Food
Basically make a list of the credits and debits you would need to make every month
I always leave atleast $50 for incidentals that may happen
So basically you're making a financial journal - it really helps
Whatever is left after that I put in the savings account - every penny counts!
I see. When i get my job i am going to put an amount aside every time i get paid and have a limit to how much i can spend from it. I want to start saving for my future house now!:D

mizzwanned 10-25-2007 11:07 AM
Quote:
Originally Posted by YorkieShadow (Post 1458246)
Congrats to you. wow I cant wait until we are debt free. My children are all grown and now live on their own and are doing good, Me and Hubby was doing great until 3 years ago when I hurt my back. So Im not able to work now. So with my half of the bill money not coming in we have had to charge here and there to just get by. Its hard and very depressing after never once in our lifes haveing any back debt or ever having to charge and then to charge to just get by. But we are working on it and have for the last two years. In two months we will have our cars paid off and then will be able to start paying down the credit cards. its going to take us a while and it is hard. not being able to spend any thing for the heck of it has been very hard.Thats why you dont see me buying any thing here . But we get by. and I hope in a year or so I can say we are not dept free. So again congrats too you. :thumbup:
Aww thanks so much! I'm sorry you hurt your back :( It is very hard, and hard to stay motivated. Every time i see something for sale here i just want to buy it lol its hard to fight the urge but you can do it! I hope you get it paid off soon:) I know you can

mizzwanned 10-25-2007 11:08 AM
Quote:
Originally Posted by Superstarkba (Post 1458301)
Congrats!!! I bet you are excited. Its a wonderful feeling.
Thnx! Yea i am:D

Erin 10-25-2007 11:12 AM
Quote:
Originally Posted by mizzwanned (Post 1460710)
wow that's great! It makes it seem like mine was nothing, lol omg i couldn't imagine having to owe like $40k but i know when i get a house i will have to
Yeah but that was part of a 2nd mortgage, a car loan we paid down, a ton of medical debt AND the credit card debt. We aren't big shoppers either - some of it was Christmas presents and going out to dinner but a lot was just poor budgeting and planning. We had ourselves convinced that we would make more money later. My husband has a tendency to spend the same $500 that he thinks is coming 3 times, then it never comes or it comes 3 months later. The hardest part has been convincing him that we can only spend what we make. The next challenge will be convincing him it's worthwhile to SAVE some money.

Cocoa's Momma 10-26-2007 09:57 AM
Quote:
Originally Posted by mizzwanned (Post 1457622)
I am so happy, today i paid the full balance on my credit card that i owed!! Now i owe $0, WOOHOO!!! I couldn't wait for this day to come, now i feel so relieved that i don't owe anything, it feels like a weight has been lifted off my shoulders! My freshman yr of college i got my first credit card and used it like crazy thinking i could pay it off real quick...YEA RIGHT! It took work! I went from owing $5,000 to $2,500 and now 2 yrs later don't owe anything! I go to school full time so it's hard to work full time as well, and it's hard to focus in school when i work that's why it took so long to pay it. Now i need to get a job quick so i can start saving up, i already have a little saved up too but i am not using it at all! lol I've learned my lesson, not to spend like i have a money tree cause i don't! :rolleyes: Wish me luck on gettting a job soon so i can spend on the babies, and hopefully buy my first car! And please pray for me that i don't use my CC at all unless i have the money to pay it the following week! :D
Hey, I'm in the shoes you were in! I'm so stressed about it too....can you give me any tips and/or advice. I want to get out of debt so bad but, like you said I'm going to school full time and can only work part time. I'm looking into getting a night job too.


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