I paid off my last credit card today

GOOD FOR YOU!!!!!!

Stay out of debt if you can. Only car and house

should be bought on time. That's from a Christian perspective

from a book on maintaining your finances. I'm happy for you!

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Last Edited by 1guynAz on 02/11/2021 11:33 PM

Congratulations!! Getting out of debt was one of the most freeing things in my life and I'm sure it's that way for you too. Weight of the world off your shoulders.

Blessings upon you!

Congratulations, the best feeling in the world! Continue on to any debt you might have! This is the new investment.

xoxo

Congrats man! Well done! Similar situation here. We sold my house and moved into a mobile home. Family is way happier. My expenses were cut in half. Paid all the credit cards also. Now we live debt free and I plan to retire early in Colombia or Turkey at 52. I can live in a beautiful condo with Seaview for $250 a month in Turkey. But Cartagena is our city of choice but it's a little more expensive. Colombia feels alive and Cartagena is still one big celebration. I love the energy, music and Fiesta mentality of Colombia. It's unique in that aspect. And cheap too. Family of 5 can easily live for $1000 a month and enjoy life.

Credit cards are a huge trap. Congratulations.

Gratz Big Daddy!

I'm about 5k away from being set free, even after losing a couple jobs to lockdown. Wish me luck.

Congratulations!

Only debt my family has is the mortgage. We owe around 80k to the bank for this house and we have about 20,000 in savings. So we are good if one of us gets laid off.

I finally convinced my wife to sell this overpriced piece of shit house in the city so that we can move a little further out on a half acre of land. We then plan on having a company build the exterior of a house for us while we finish all the work on the inside. I am hoping by doing this we can eliminate all of our debt including the mortgage. Sure we probably won't have the house finished but I think it makes much better sense to live in a partially unfinished home and pay each month to finish the house versus going into debt and losing the house when the economy goes belly up.

Or at least that is my plan. I hope I can complete it before the Demoshits roll out the great reset.

great job getting it paid off! Rates are low now, have you tried to get a lower rate for your mortgage? Mine was 5% and just got it lowered to 2.6%...wouldn't hurt to try!

Good job. I got myself in for about 25k when I was younger and struggled to pay 'em off.

Now I make extremely good money, but the cards stay in my sock drawer and are only used for things like car rentals, flights, etc.

Have you lookes into filing bankruptcy?

Good luck!

Great plan till your wife rides off with some new dude in a red sports car flashing a little cash and some fun with his high limit American Express in hand and not afraid to use it...

I'm just kidding, great plan but then Ole Joe may forgive $50K in student loans and you like I did it the hard way...

Im no financial expert but I read after u pay one off put that money toward the next debt and keep doing that. After u pay afew off the money will snowball and compound in erasing your debt. Or file bankruptcy. Rich people do it all the time. Or Park the car outside and tell them to come take it. Save that money and keep driving it till they repo it . Then buy a used car. Quit buying stuff . Shop at goodwill. Go to free food giveaways. Get a side hustle.

Good job and excellent advice.

We finally paid off our cards about two years ago and now pay them off monthly. Plus finally paid off the house. All the cars are old but paid for.

It's nice being debt free.

I wrote a check yesterday.

I don't have credit cards.

Never did.

I struggled with never having money til I decided to save everything I fucking could for a year.

Here I am a year later. 20k in the bank.

$6700 tax return coming.

And $4200 covid check coming.

I will be in a very good position soon if they don't crash the dollar which is what I suspect they are going to do.

Good job, but I went the easy route about 5 years ago with chapter 7.

I now have 3 acres in the woods and it's all paid for. They can keep their debt based system.

Yay! That is such good news in this ugly world.

Started our house when I was teenager. Was 20ft by 20ft. Now its over 2000 sq ft. Built it out of used lumber . I pulled alot of nails out of 2 by 4s as a teen. Pulled out of dumpster at residential job sites. Got a few pallets of glass from a hospital job. Gonna use the rest on a green house this year. Even had a out house till we saved enough for septic. Im 35 now and its just about finished. Got granite off a remodel of a court house. Have a brick and granite kitchen sink with the drawers made of old barn boards. Its easy to live in a place while fixing it up. The living room was just sheetrock for years lol. The outside I took brown tin and ran it sideways instead of up and down. Looks like siding to me. Trimmed it in white around the corners and windows. Im a bricklayer by trade. But in my county a brick house is the highest tax. Tin was the cheapest. Put all the brick on the inside. Didnt raise the taxes. Heck we had just paper on the outside of house for years b4 siding it. Its pretty nice now and almost complete. And very original house. Problem is we keep adding to it. Got the garage to finish. And ill add more to the kitchen and make my kids rooms bigger. Also my dad almost beat the tax assessor up when he was being nosy while my sister was home alone in a towel out the shower. He was on a phone call in his office and my dad jerked the cord out the wall and pushed his desk and pinned him to the wall.luckily cousin is the town cop and said u don't have right to trespass u call him and make an appointment if u need to go on his land ever again. Also he never put an end date to our building permit so my dad is determined to never pay for a permit again been building over 20 years lol. The tax guy just asks my dad to inform him if we add on. Also the we got out of paying the well guy. A piece of equipment broke and tried to charge us. Also they didnt backfill all they dug. We didn't pay. They put lien on the house . Went to court and we won that one. I mean we paid but got out of half of the bill since guy was trying to act stupid . Its like a uber driver charging u if there engine breaks.

congratulations.

Being debt free is a reward.

Yes, and OP didn't take the Bankruptcy route, he stood with honour and made amends for past purchases long since forgotten. Unlike the silky tongued beasts here who say 'rack it up and go Chapter 7'...they may have gotten away with it, more then likely, demons do. But OP went through the rigours of actually owning his misdeeds, and stood before them and then, conquered them. That feeling is something these bankruptcy dolts will never get. The satisfaction of owning yourself.

Also:

Dont give ONE RED CENT to Hollywood.

Stream.

Go to library and check out movies for free. Have a disc cleaner because they can be in rough shape.

Well done sir.
My parents taught me to never go into debt for anything but a house.

people paying 10-20% interest on consumables / cars etc are really just giving away their money to the bank.
If you really need a car buy one within your means drive a piece of crap for a couple of years until you can afford a nice one. Your bottom line will be so much better without Debt.

Awesome!!!!

I have short of 300 in debt left.

Shoon.....

Eat another dick Ramsey. That is all.