I'm officiall debt free!!! ask me anything!!! nt

[Javaman]

[phantom power]

1. Would you like a risk-free credit card application?

[Orrex]

2. How?

[Javaman]

6. All me bills are paid off. House is owned and no more credit cards!!

Woo hoo!!

[Orrex]

20. How old are you, if you don't mind revealing your age?

With luck, I'll be able to pay off just enough of my debts to afford a shovel to dig my own grave before keeling over at the age of 90.

[Javaman]

38. 42. Yes, young, but given how I have lived my life, it's a minor

miricle that I did this. LOL

Lived large when I was young, never thought about the future. Then bills begin piling up.

Put my nose to the grind stone. Lived very very very lean, monk like.

and here I am.

[Orrex]

44. Don't let my snarky envy fool you--I'm very impressed!

Congratulations on setting an admirable goal and meeting it!

[Hobarticus]

3. Can I borrow ten bucks? n/t

[BlooInBloo]

4. PLEASE tell me you didn't declare bankruptcy!

But if not, CONGRATULATIONS!!!!

:toast:

[Javaman]

7. Hell no! LOL Lived lean, and paid everything off! :)

[BlooInBloo]

12. You rock!

[LiberalPartisan]

17. I went the bankruptcy route 3 years ago

...best move I ever made. And I enjoyed sticking the banks with about 50K in credit card debt. Been cash only ever since, even though I get abou 8 credit card offers a month. Life is a lot easier now.

[BlooInBloo]

30. Good for you! Bankruptcy's a bit different as of last fall tho isn't it?

I was under the impression that it was a lot less helpful to people with catastrophic expenses and such...

[brmdp3123]

37. You're proud of that?

[LiberalPartisan]

51. I wouldn't say proud...

but I'm not regretful. The way I see it, the banks, especially the credit card companies have it rigged to keep people in debt. So I had no qualms about doing it.

[tjdee]

59. I'd be, for sure!

I haven't filed, but my credit is in the crapper and I am *still* on the hook trying to afford everything. It would be a huge relief to just file bankruptcy and be done with it.

[BlueEyedSon]

5. during times of high inflation its better to hold debt than cash

[Javaman]

9. Hmmm, somehow being debt free sounds a heck of lot better. :) nt

[ret5hd]

8. i won't ask you anything, but...

i'll give you a free tip (worth what you paid for it)...

buy silver with your spare money.

[Javaman]

10. Already started looking into just that. :)

[Catherine Vincent]

11. Do you know where the lounge is?

Well you said to ask you anything! :P

[Javaman]

14. LOL I wasn't sure which forum to put it in, I was just so dang happy! LOL

[Catherine Vincent]

46. Well I am happy for you too!

I am jealous though. It's going to take me a while to get out of debt.

[xultar]

13. Do you know you'll be considered a terraist now?

[Javaman]

16. I know I know, I'm code red now on the Americana meter. LOL nt

[EST]

15. Take it from me--

even after the excitement wears off, the satisfaction persists. One does have to give up the dream of fucking the lending establishment by dieing in bankruptcy, however.

[Javaman]

18. I do have a sense of calm coming over me at the moment LOL

[SoCalDem]

24. We cut up all our cards last year, and don;t miss them a bit

We DO have a mortgage, but even after the refi for a roof, new A/C, kitchen remodel, yard bldg, and concrete & yard work, we still have over 200K in equity for down the road when my husband retires and we sell the beast..

We use ATM/Debit cards exclusievly, and don't miss the cards one bit:)

Congrats to you on paying off the house :)

[Javaman]

42. Yup, same here. just cash and ATM. no more evil credit cards LOL

[marylanddem]

19. But what are your property taxes like?

I live in the suburbs of D.C. and there's no way that, even with mortgage paid off, etc., we could
ever be free of the burden of property taxes...

[Javaman]

26. Low. 385 a month. n/t

[cliss]

21. You get a hug

and a kiss:smoke: from me, Javaman.

How does it feel to be free, really free?

(we're very close at this point...live beneath our means, but we're still paying off stuff.....close, though)

[Javaman]

28. Frankly, I'm still in a daze. It's been so long since I was last debt free

It will hit me next month when I don't have to pay anything out to the creditors. :)

Good luck to you!

[OldLeftieLawyer]

22. Way to go...........

But, keep in mind that sitting with your house paid off means you're sitting on a very valuable asset that really could be used as collateral for cash to invest in something else.

Like, the real estate market is about to take a serious downturn, so you might want to pick up a rental property.

Just the lawyer in me thinking out loud about unused assets..............

Seriously, though, way to go!!!

[Javaman]

29. We were thinking just that, but we were concidering a small plot of

land west of here to build a Cob house and organic garden.

[OldLeftieLawyer]

39. There you go.......

It's cash you've got now, in the form of your paid-off home.

Just be VERY careful in the mortgaging.

But, you know that.

Again, congratulations.

[central scrutinizer]

23. why do you hate America so much?

America needs all of its citizens to be scared shitless of not getting their next paycheck to keep wages and benefits low.

[Javaman]

31. I know, what was I thinking? I didn't heed fearless leaders*

command to go out and keep shopping!

Shame shame on me LOL

[BlooInBloo]

35. Yah! If you won't fund America's debt, who will?

[LSK]

25. congrats, must be a great feeling!!!

Do you want to pay off my mortgage now?? I only have 140k to go...

Im hoping to join you in about 10 years or so.

[Javaman]

32. You can do it! :) Have faith and live lean. :)

[LSK]

36. i have a plan and intend to

Im already paying an extra $250 a month towards my mortgage and am saving more. And I have no other debts.

[Javaman]

40. Excellent, that's exactly what I did.

even a small amount extra per month goes a long way. :)

[bigwillq]

27. Good for you!

Congrats! :toast:

[Javaman]

33. thanks! :)

[Flubadubya]

34. Let me crow too...

Completely debt free... but I do have three credit cards which I use fairly regularly. However, they always get paid in full at the end of each month. I have a credit score of 882 on a scale of 400-925. I keep the credit cards for paying monthly bills and ordering online... a very efficient mode of transaction. Also, I think it is a good idea to have a credit record established. Of course, the higher the better.

Anyway, congratulations and welcome to an ever-diminishing club!

[stop the bleeding]

43. Same here with the cards

great way to itemize the bill - they get payed off every month, we have a mortgage, but we make an extra 2 payments a year and our house has doubled in price since we bought it 2 years ago.

Not exactly debt free but I think we are doing all right.

Should have seen me in my 20's - it was a disaster, never thought I would be where I am today telling people how good things have gotten in the last 5-10 years.

Good thread!

[laruemtt]

41. Wow! congratulations and good work.

we've got a ways to go with the house, but nice to see someone actually make it to the promised land :)

[bluethruandthru]

45. I have two kids about to start college!

I doubt I'll be debt free anytime in the near future!!

[lastknowngood]

47. So you own anything and do you have food?

n/t

[LSK]

50. he owns the greatest thing a person can own

Peace of mind.

[northofdenali]

48. Major congrats, Javaman -

and to do it at your young age, too! It's tough for us to not use credit cards because my medical bills would use way too much cash. Eat or pay the doc time.

But IF my disability ever kicks in, bye-bye credit cards. Jeeps are paid for, motorcycles are paid for, house is paid for - and we are striving to pay cash for everything else.

Great news for you! :bounce::thumbsup::bounce:

[Semi_subversive]

49. Good for you!

Personally, I'm getting ready to get in a little deeper. Do you think, in addition to my youngest son, I can claim Humboldt State University as a dependent?

[Deja Q]

52. Congrats!!!! And my question:

How did you escape the anxiety that plagued you?

I feel like I will die as a man in debt, alone, unwanted.

[Texasgal]

53. HOLY SHIT!!

That's AWESOME!!!

Big pat on the back!

[sarge43]

54. Excellent Javaman, but

you know that is not The American Way.

[Shine]

55. Wow, congrats to you, Javaman. Very cool! Do you have kids?

:shrug:

I'm the same age as you and we've got two kids, ages 9 and 12, AND we live in CA, so there you have it. It'll be a looooong time til we're completely debt free, but we are working our way towards it.

We double our principal payment every month, with the plan to pay off the house within 15 yrs. We've got about 8 more years to go, hopefully.

:hi:

[Alleycat]

56. You are my idol!!!!!

I am currently working very hard on paying off my debt. It's very hard but every extra $ goes toward that mastercard. Last year I got socked with a lot of unforeseen expenses and ran the card up to $8700. I am currently at a balance of $3000. Been living on peanuts to make the auto payment of $400 + and additional $200 plus anything left over in the bank account right befor payday. Put my whole tax refund check on it all $3000 of it. I hope to be credit card free by July 06. Then I will take whatever the amount I'm putting on the card and put in on the car-plans are to have that paid off by May 07. After that the mortgage. I sooooo want to by debt free and cash only ASAP. I just got tired of paying everybody else my money.

[Deja Q]

57. Working to pay it off is the action OF an idol too.

The fact we haven't put a gun up our mouths and pulled the trigger speaks volumes.

Oh, I've been whittling away $35k. Down to just under $10k. 18 months to go... Will the economy collapse before then? Will I lose my job? Will other factors prompt me to get the gun after all? Who knows. Chances are just as equal, I'll be able to pay it all off by then.

[Alleycat]

60. I totally see your point.

My motivation was my company just got bought out by a new one and the sale will be final July 31th. I at least don't want the credit card bill if I don't have a job come August.

[AirmensMom]

58. No questions ...

just CONGRATULATIONS! :woohoo: :bounce: :applause: :toast: :yourock: