get out of debt

I need to examine my one remaining credit account. I thought I’d have it paid off by now but I’ve still got more to go.

Just one left to go!

So, basically, a digit has been dropped from the total amount of debt. This is very exciting, but it has been sooo long and it is soooo hard.
We cannot invite anyone to sit down when they stop by, because there is no place to sit. And, I am so sick and tired of nt having a place to sit. What furniture we have is froma dumpster, or whatever, and it is just so disheartening.
My car or his will die soon, if we are really unlucky, both. So, although the pace has been bruising and worth it, I just do not know how long we can keep it up. But, we are now to the point where our credit rating has really started to take off. And, I think the light is at the end of the tunnel- 2 more years? Maybe less? We’ll see.

Mr. Terrierhead and I purchased a queen mattress set – kind of a TempurPedic set, only by Sealy – less than a year ago. Today I paid that sucker off. Yay! No matter what craziness may come, our bed won’t be repo’d.

The check is in the mail, and within 15 days or so I’ll have the title to my very own brand-new-five-years-ago car. I don’t think I’ll ever buy a new car again. I paid the car off six months early, and it would have been dealt with sooner if not for Mr. Terrierhead getting laid off three times in the past five years and a passel of family emergencies.

Yay! Now it’s just credit cards and my student loan left to demolish.

Six weeks after receiving confirmation of my loan being fully paid off, I’ve received a letter and an email from the same company telling me how quickly they could give me up to £24,000 (~$50,000). They certainly didn’t waste any time in trying to dig me a whole new hole, did they? Whilst having such a sum of money on hand would definitely give me some comfort, I think I’ll pass.

As Des pointed out, I’m quite possibly the only person in history who has gone to Walt Disney World and actually gotten out of debt! :-D

I have a sneaking suspicion that the loan company will mess it up, as they did before, but hey! I’m very nearly debt free! Yay me!

My reservations about paying off the higher-rate cards have to do with the fact that I cannot control my husband’s spending. I’d love to cut the dratted things up—but they’re his, not mine. There is no way he’d do it. I mean, he swore he wouldn’t use this one that is in default right now, APR=30%, and today I see a charge of $350. It is a test he has to take for work- so he thought that’d be ok. I mean, what does No Charges mean?
So, I said the words today, that I’ve never said before- let’s get counseling. He spent 15 minutes telling me how we should get better software. (I keep our accounts in a complex Excel sheet.) Quickbooks will not solve our problem—unless it has some features I do not know about.