From -40K to debt free
Posted 24 February 2010 - 12:11 PM
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Posted 24 February 2010 - 12:29 PM
Posted 24 February 2010 - 07:46 PM
Now the next hard lesson you will need to learn is how to be able to treat yourself to the nice things in life again without going back to the old habits. Just make sure you have the money saved before you buy the item/treat.
Leapstar - this is so true, and to be honest, even after everything I've done I still wonder if I could slip back into old habits! I now don't have a credit card at all and anything I do 'need' , OH and I discuss it first so I know it's something I actually can have rather than just want... might sound over the top but it's working for me On top of that everything I was putting into debt is now going straight into saving/shares so I won't even notice that I have 'more' money! Signed up for life with this boy I tell you.. hehe
We have done similar..no credit cards, but personal loan and stupid finance debt. We cleared a massive tax bill before xmas, and that was a huge relief for us, so now we are moving onto out finance debt, its not easy, but that bit of relief we felt at xmas paying off our tax was an awesome feeling, so I cant wait to keep doing it!
*manda*, I think I got a bit addicted to paying things off too! I would get SOO excited when I paid one whole card off or one loan
The hardest part must have been that for all that debt and money spent, you would have had very little to show for it.
nephthys - this is so so true. I had hardly anything to show for it.. not a nice wardrobe, not an excessive car or an extensive travel diary... nothing. All because it was bits and pieces here and there rather than big things or good quality things...
Since then, we have bought our own home, sold 2 of our cars and bought another in their place(which we don't owe any money on) and we both have savings of about $10K each!! Not to mention our joint account which also has about $20K in it!!! I feel that we are very fortunate and for that i can sympathise with your story I too would never have been able to do it without my OH, and i laugh about it these days and say "Geez, i'm becoming as tight as you now...LOL, think you've worn off on me" and he just laughs at me!!!
Mark$Girl, yours is a great story too! All things that I have to look forward to now! We joke that OH has rubbed off on me too... I struggle to justify some of the cheapest things now hehe
Congratulations on an amazing effort to get rid of your debt and what a great OH you have by the sound of it. Hang onto him tight and good luck with the next debt-free phase of your lives.
Wow what a great effort you put in for the last three years, and how awesome is your OH. Congratulations, i imagine you are still on cloud nine.
Your OH definitely sounds like a keeper too.
Girls.. you have no idea He's just the best.
Posted 26 February 2010 - 10:33 AM
Posted 26 February 2010 - 11:25 AM
Well done, I don't know you but I am so proud of you!
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Posted 27 February 2010 - 10:44 AM
Congrats to you for sticking to your budget and reaching your goal.
It's a massive achievement.
Posted 27 February 2010 - 01:09 PM
I have just paid off one of my credit cards and it truly is the best feeling! Now, just one more credit card to go ($8000) then I'm done! It really can be done with a little (okay, sometimes a LOT!) of sacrifices.
Posted 27 February 2010 - 03:40 PM
Posted 03 March 2010 - 11:15 AM
Posted 03 March 2010 - 11:28 AM
Camilla & Adam - 14 April 2007
Posted 04 March 2010 - 04:40 AM
I was coming in here to say that your OH is definitely a keeper which a few people have already written and I LOVED your response -
Girls.. you have no idea He's just the best.
That's awesome All the very best for your future together xx
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Posted 04 March 2010 - 07:42 AM
I have a similar story as you and DH & I are in the middle of repaying our debt, we are almost there. I bet making that last repayment felt incredible!
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