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Old 05-05-2015, 12:11 PM   #41 (permalink)
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Nice. We were.. then had some hard times and a business to get off the ground. Plus side, its getting paid off again.
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Old 09-16-2015, 10:56 PM   #42 (permalink)
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After two years of living WAY below my means, I am for all intents and purposes out of debt. I did it by cutting cords, packing lunches, not taking vacations, or buying really fancy things (well, maybe one thing). Further, I worked a FT job and kept doing PT gigs on the side.

Yes, the process of paying it down sucks. And there were some big bumps along the way. However, I am happier where I am now. Plus, I have met some fantastic people along the way (working the other part time gigs). Folks that I am proud to call friends.

Credit Cards: Paid
Student Loans: Paid
Car Loan: 0% and bringing the balance down by the month.
Home loan: 8 years into a 15 year mortgage that is a shade above inflation.
Emergency Funds: ~ 2 months worth
Roth IRA: Making regular monthly contributions (Index funds mostly)
Pension (Holy Hell Right!?): Contributing
Employer Sponsored Savings plans: Contributing (Index funds mostly)

Up next: Investing outside of retirement funds?

To everyone I have not seen in a while: Sorry, hopefully I will be around some more. Time to start living life again!
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Old 09-17-2015, 08:23 AM   #43 (permalink)
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Quote:
Originally Posted by Captainneeda View Post
After two years of living WAY below my means, I am for all intents and purposes out of debt. I did it by cutting cords, packing lunches, not taking vacations, or buying really fancy things (well, maybe one thing). Further, I worked a FT job and kept doing PT gigs on the side.

Yes, the process of paying it down sucks. And there were some big bumps along the way. However, I am happier where I am now. Plus, I have met some fantastic people along the way (working the other part time gigs). Folks that I am proud to call friends.

Credit Cards: Paid
Student Loans: Paid
Car Loan: 0% and bringing the balance down by the month.
Home loan: 8 years into a 15 year mortgage that is a shade above inflation.
Emergency Funds: ~ 2 months worth
Roth IRA: Making regular monthly contributions (Index funds mostly)
Pension (Holy Hell Right!?): Contributing
Employer Sponsored Savings plans: Contributing (Index funds mostly)

Up next: Investing outside of retirement funds?

To everyone I have not seen in a while: Sorry, hopefully I will be around some more. Time to start living life again!
Good for you!

We are getting there. Only debt we have right now are the cars, house and ones student loan. My 403(b) is growing steadily and the wife has finally been talked into putting enough away to get the max matching funds her employer will contribute.

This is the first time since having children that going into winter I estimate 90% of the heating needs are either already purchased or the money is in a savings account for it.
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Old 09-18-2015, 09:50 AM   #44 (permalink)
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Originally Posted by Greenmtnphantom View Post
Good for you!

We are getting there. Only debt we have right now are the cars, house and ones student loan. My 403(b) is growing steadily and the wife has finally been talked into putting enough away to get the max matching funds her employer will contribute.

This is the first time since having children that going into winter I estimate 90% of the heating needs are either already purchased or the money is in a savings account for it.

Excellent!

Yeah, not contributing to a matched plan is like leaving money on the table. I am glad to hear of other folks taking control of their finances and having that stresses removed from their lives.
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Old 09-21-2015, 09:30 AM   #45 (permalink)
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I read this recently and thought it was relevant and kind of an interesting take on it. It talks about the same method my wife and I used, but with different reasoning. We just figured paying off the small debts first shows results and that helped with incentive.

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Old 01-25-2016, 10:12 AM   #46 (permalink)
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Re-updating thread. Did have to put a few things on the card around Christmas (had to pre-order some furniture) and there was a surprise $1000 vet bill.

Paid off as of today. Back to $0
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