As of today, I have no debt.

It took me four years to pay off $23,500 and I couldn’t have done it without my parents giving me a loan and my late husband’s parents giving me money. I paid about a quarter of my income to the debt for a long damn time and it’s DONE.

Now I’m saving up for a car. Onward!

now when I say debt, I mean paying off my HECs. Which wont start happening untill I finish uni. I don’t have a loan as of yet…I imagine that when I do finally finish paying it, I will have a house loan or something to pay off…. BUT I do want to be free of $$ worries. That would be perfect.

That’s what I owe, down from $23,000 at the beginning of 2005. The amount I pay every month is now more than double the minimum payment. That feels good. I need to remember that I’ve done really well on this, given all the changes in my life over the last three years.

I didn’t stop my automatic payments in time and had paid for an extra month on my NC apartment. I got the check back today. $495. I’m sending in an extra $295 payment to the credit card. I plan to spend the rest on new clothes. I’m picky enough that it will take me awhile to spend it all.

I love watching the amount owed and minimum payment go down each month.

I am currently debt free, and have cash saved up for emergencies and retirement.
I can’t see my self getting back into debt in the future. I do enjoy the freedom of being debt free.

I have finally admitted to others that I am in debt , this was a weight off my mind.

I have paid all my bills for this month and I still have some cash left so I won’t need to use my credit card.

I am currently €41K in debt , however this time 3 months ago I hit my peak at €48K in debt I have reduced my spending to an absolute minimum and I have reduced my minimum payments each month by €545 to €800 leaving more room to reduce my expensive debt. I need to keep on rations until my credit card debt is eliminated , currently 5900 (much better than the 13000 before) However I need to free up 7100 to pay off a lump sum debt soon.

I know I cannot reduce my debt as quickly as I have in the past three months , but at least I know that I can keep it reducing.

I think that a realistic aim is to reduce my debt to 0 in 36 months from when I started , in 33 months from now.

I put $200 of my tax refund aside for the move and sent an extra $200 payment to toward the credit card balance, which will be under $10k by the time I move. Last night I was reading a journal of mine from September of 2005. At that time, I was $23,000 in debt, working part-time with no benefits, barely able to make my credit card payments and living in a very unhealthy situation. I had an undiagnosed, untreated autoimmune system, drank too much, slept too little and was deep in a complicated grief process.

I’ll need to be scrupulous with my spending after I move, but if I’ve knocked out $13k of debt in a little over two and a half years under those circumstances, I feel confident I can manage. It’s good to be where I am now.

Its funny because when you think you’re finally in the black, something else happens. Then you get the theory – “well, if I just make more money, and live life the same way, I’ll be OK.” Then you make more money, and you’re even worse off. I need to CHANGE my LIFE and use the money I ALREADY make to get me out of trouble. One day when a girl decides she can stand me for a lifetime I want to be able to provide for her.

Mr. Man gave me a buck to buy him a VA lottery ticket last weekend and I bought one for me, too. I checked the numbers and I didn’t win. I didn’t win and I felt relieved.

RELIEVED?!

I didn’t want to deal with sudden wealth. I felt like it wouldn’t feel as good to win money as to earn it. I was completely unwilling to have money fall into my lap.

That’s messed up. I have worked hard to reduce my debt and earn a good living but there’s nothing wrong with some extra money coming my way on top of that. In fact, it would be great! So I am going to try to remember to visualize myself being given a lot of money until I get comfortable with it, until I start to enjoy the idea of unexpected largess. With a resistant attitude like mine, who knows how many goldmines I’ve missed. So let me announce it here to the Universe: I am ready to gratefully and joyfully receive any money you want to flutter down upon me in a perfect and unexpected way.