Thursday, January 3, 2013


I'm done.



D E B T   F R E E  F O R   L I F E!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!

My feelings:

  • Relief
  • More relief
  • Excitement
  • Slightly anticlimactic

So now what?  Well, it's time to work on building an emergency fund.  Now that I'm in the debt removing groove it won't be that difficult to build one rather quickly!

Thursday, December 13, 2012


The clock is winding down on my debt and I'm getting so impatient it's not even funny!  Everyday I wake up dreaming of a 0 balance on that student loan.  It will all be said and done at some point during the weekend after next weekend.

I have to remain focused and keep calm.  I already feel myself getting a bit too antsy and behaving like I have a lot of money.  In fact I have none.  Once my debt is finished, I will have no money whatsoever, and my next long term objective is to save save save so that I have an emergency fund at the least.

Debt is not fun.  Avoid it.  After all this work and throwing all my money away to the bank, my prize at the end is a whopping $0.  That's kinda depressing!

Today's Debt Defeating Accomplishment(s):

  • Having the patience to sustain waiting until the end!

Saturday, December 8, 2012

T MINUS TWO WEEKS!!!!!!!!!!!!!

Two weeks left

Two weeks left

Two weeks

Two weeks

Two weeks left!!!!!

In two weeks I'm done.  That'll be it.  All my debt will be GOOOOOOOONNNNNNNNEEEEEEEEE FOREVER AND EVER AND EVER.  I can't wait.  I'm so ridiculously excited it's not funny.

Only $2,300.00 left.  That's it!  That's all!!!!!!

Wednesday, November 28, 2012

Found Money

I found $60.65 in an old dormant account I completely forgot about.  This is great news!  My idea: Empty the account out and put it toward my debt.  Any extra money I earn/find I essentially refuse to spend on anything but killing debt.  The tricky situation here is that it takes quite a lot of work and time to get this done.  I had to fill out quite a lot of paper work (this account hasn't been touched since 2005) and a lot of time went into wakening the accounting from dormant status.

Anyway, point being, I found the $$, and it's going away.  At this point it won't speed up my debt defeating at all, I'll still be done by late December/early January, but at least I'll save some extra $$ from my income during the last payment month.

Today's Debt Defeating Accomplishment(s):

  • Finding money and throwing it at the debt!

Tuesday, November 27, 2012

November's End

In about 3 days I get my monthly income from work, of which I have already allotted a good chunk toward debt.  This amount will put me down to the low $2000s range left, and leaves me with just about one more month before I've completely paid off all my debts.

Now that I see the debt crushing coming to an end, I wonder what it is I will do with the new found $$ that I'll have. There are so many interesting things I'd like to do and so many interesting things I'll feel free to do. 

Today's Debt Defeating Accomplishments:

  • Searching for toiletries in bulk online.

Sunday, November 25, 2012

Avoiding the Circumstance

I managed to avoid my money giving situation to the person close to me by sending a parcel to indicate that I care.  I think this gesture was a good one, allowed me to save money, and allowed the individual to learn that I won't be there for financial support.

In other news, I can taste the end of the debt attack coming soon.  My original plan was to be complete by February but I project to be done by early January.  I'm looking forward to sharing the end and the success when it comes.


Today's Debt Defeating Accomplishments:

  • Saying "No, I can't afford it."
  • Giving up my log

Monday, November 19, 2012

Helping Out

Last night I made a potential mistake. I promised someone close to me that I would help them out financially.  Why is this a potential mistake?  Well, not only could it set me back on my road to being debt free, but I've helped this person out before.  Maybe I'm an idiot for helping out again, but this time I made it clear to the individual that they need to get their financial affairs in order and start taking responsibility for their own life.

To be honest, with respect to clearing my debt, this situation is not a big set-back whatsoever.  I'll still be debt free by early January.  However, it's the principle of the situation that I worry about the most.  I truly hope that this individual re-gains strength in his life, for from this day on, I will never assist the individual in any financial matter whatsoever.

Today's Debt Defeating Accomplishments:

  • Promising a future without financial assistance to the aforementioned individual.