Wednesday, February 27, 2013

that's a lot of zeros

This is my go to FREEEDOM picture. Circa 2009.

I will never be one of those crazies on the Dave Ramsey radio show who call in for the sole purpose of screaming at the top of their lungs about paying off debt. But, I am constantly amazed how sticking to a budget and debt payoff plan works.

In April, we paid off our second mortgage. We'd already been living without my entire paycheck so we decided to keep on living without it. Surprise, surprise it paid off.

Today we'll pay off the hubs' $28,000 student loan, something we accomplished in 10 months. And for kicks, we paid off another $7,000 student loan by pulling from our savings.

Add the $28,000 second mortgage, a $8,500 car loan and a $2,000 credit card (I made $25K after college. A girl has to eat.) paid off since 2010.

That's a lot of money, yo.

But all that allows me to work part time without having to contract for other jobs and actually spend time building trains and swinging at the park. It means we can refinance the condo to lock in a low interest rate and pay that sucker off in 15 years. Or sell it before then, which is now my candle-blowing-out wish.

We can start funding Shea's retirement and save for a house.

Plus, I finally got my MacBook. So I think it's all worth it.


  1. congrats! that is awesome! huge accomplishments!

  2. AH-MAZING! Awesome job! We just signed up for the FPU class through our church. It starts on March 10th, and we are stoked, especially since we can put Christian in the nursery while we take the class... as a couple. I mean, what? We tried to do it "on our own" and only stuck with it for about 3 months, but I'm confident that with this class we'll really be able to build our savings. Congrats on all those zeros!!