I have to toot my own horn!

[ldymcbth]

2 years ago, we sat down and looked at our finances. We were $25000 in credit card debt, had 2 car loans, 2 student loans, and a mortgage. We had been living above our means and suddenly a few small changes - DH had to take a 10% pay cut to keep his job, his annual bonuses went away, etc., and we weren't bringing in enough to pay the bills. It was a huge reality check.

We read up on Dave Ramsey and jumped in. I have scrimped and saved and sold things. We have gone without, and said no, and made Christmas gifts, etc. I am a SAHM to 2 kids and I took a work at home job to make extra to pay off bills. It has been a long two years. And I just paid off the last of our loans (aside from our mortgage).

I will never let us get into that situation again. I think about how much crap we bought on credit and then how much we really wound up PAYING for that crap - makes me want to vomit.

Anyway, I had to share my joy. It's like a giant weight has been lifted. And now we will be able to work on savings and investing and really making our money work for us. And of course, we are planning a trip to Disney!!!

 

[4forWDW]

You deserve to toot your own horn!!
That is really amazing.
Great job

 

[Graciesmom77]

That's so wonderful! Be proud, that's some great news!

 

[U.P. North]

F R E E D O M

 

[cluvsdisney]

Good for you!!!

 

[AmongMadPeople]

Congratulations! It's a wonderful feeling, isn't it!

 

[indimom]

F R E E D O M

Couldn't have said it better.

Enjoy that trip!! You've earned it!

 

[mrsltg]

Congratulations!

 

[marcemc]

The freedom of simplying our lives. Works every time!!
Congrats & have fun at Disney. You deserve it!!!

 

[runskyhy]

That is so awesome! Congratulations!

 

[CoP Luv]

Amazing work to be accomplished in two years!!!

 

[Shelli_5]

What a great accomplishment. Congratulations!

 

[dseth]

Nicely done!!

 

[blessedby3]

Congrats to you!

 

[donalduck]

Congratulations
It feels so good doesn't it. Thank god for Dave.


CASH IS KING

 

[KIRSTIN'S MOMMY]

Congratulations!!!!

 

[ksloane]

That is super!! Congratulations!

 

[Disneymom77]

Congratulations! That is awesome! We just started our "Total Money Makeover" and have completed step 1. We are working on step 2. It's motivating to hear stories like yours, thanks for posting

 

[justbishop]

Congratulations! That is awesome! We just started our "Total Money Makeover" and have completed step 1. We are working on step 2. It's motivating to hear stories like yours, thanks for posting

THIS! Thanks for posting and congratulations, OP

We have our $1000 BEF and a shiny new budget. We're on month #2 of the debt snowball, and are on track to be debt free except for the mortgage in about 2.5 years (probably sooner). I can't wait to be where the OP is!!!

 

[superme80]

Congrats!!! That is awesome to hear!!!! Enjoy your well deserved trip!!!!