I initiated the big debt payoff click yesterday for an online payment to our credit card. I anxiously logged in this morning and saw the glorious $0.00 balance due. It didn’t hit me yesterday, but it has definitely hit me today after seeing that balance. I’ve been known to sometimes forget to hit the last confirm payment button, so I had to make sure before announcing on here.
WE ARE CREDIT CARD DEBT FREE!!!
After 38 months of pinching pennies, increasing our income and riding on the roller coaster of debt reduction – we have finally come to the end of the credit card ride. We are no longer a slave to them. We are free now…and it feels…wonderful.
I feel like I can stand up straight since our credit card debt isn’t pushing us down. A huge weight has been lifted. At the same time, there is a feeling of “What’s next?” We’ve been at this for over three years. You really do get used to a routine and now things will be shaken up. It will definitely be a period of adjustment. With change comes some fear but a lot of excitement!
You may be wondering what we did with regards to our savings. Due to a payment that is taking longer than expected to get to us, we ended up pulling $1,499 from our savings account to make our debt payoff a reality. We should have the money by the end of the month but I didn’t want to cut things too close – I wanted to be debt free by our goal date of May of 2009. As soon as that payment comes in we are going to put it straight towards our savings.
We first thought we would do something grand when we paid off our credit card debt, like splurge on a family vacation (we have yet to go on a vacation with the three of us). After thinking about it, we are going to hold off on that and simply have a pizza party to celebrate. We need to get more money in our savings before we do anything big. Perhaps next year will be the year for our vacation. We’ll see how things go.
I’d like to thank everyone for reading. You have helped to keep us accountable for our financial decisions and without your support I’m not sure if we would have kept going at reducing our debt like we did. You have been here for the rough and sometimes very sad times and helped to keep my head above water during those times. I’ve said it many times before, but words cannot begin to express my gratitude. If I was writing this on paper…you would see little tear drop outlines all over it. I was okay with writing this post up until I thought about all of you and then the waterfall started. Thank you all so very much. You have helped us to make it to this special day.
As things sink in a little bit more, I’ll share with everyone our plans for the future and also take a look back at our journey. I am excited to be starting the next (credit card debt free) chapter of our lives 
Quick Edit – I almost forgot to update my NCN Network chart so I just went and did it
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About This Site
My Debt
- Original Debt: $38,495.86
- Paid: $29,371.81
- Remaining: $9,124.05
- Broken Down
- Auto Loan 1: $0
- Credit Card: $0
- Student Loan: $9,124.05
- Auto Loan 2: $0
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Posted: April 24th, 2009 at 9:14 am
Congratulations! The pizza party reward is well-deserved!
I’d love to see a blog post on your future financial goals. How much do you want to establish in your emergency fund? Retirement savings? Any other mid to long-term financial plans?
Posted: April 24th, 2009 at 9:25 am
WOO HOO!!!! I am so proud of you and your family. Thank you for inspiring me and all of your readers. I’m so excited for you!!!!
Posted: April 24th, 2009 at 9:26 am
Great job!
I just paid off the rest of my $8000 cc debt with a tax refund from the gov!
Go on vacation somwhere cheap maybe Mexico or Montana!
Posted: April 24th, 2009 at 9:27 am
Congratulations!!! That is awesome news! Way to go!
Posted: April 24th, 2009 at 9:28 am
Congrats! That’s huge, great news.
Posted: April 24th, 2009 at 9:42 am
Congratulations! So glad to hear you have paid off your CC debt finally! It has been wonderful following your journey and I am going to miss you. have fun being debt free!
Posted: April 24th, 2009 at 9:45 am
WOOOOHOOOO! COngrats!
Posted: April 24th, 2009 at 9:51 am
Congratulations! This is a huge milestone! I’ve been following your blog ever since you started, and though I don’t usually comment, have been with you through it all. I hope you don’t mind if I share the excitement of your success!
Posted: April 24th, 2009 at 9:51 am
What a wonderful accomplishment!
Posted: April 24th, 2009 at 9:53 am
CONGRATULATIONS!! Your blog has really inspired me to take on my own debt and get it all paid off! Thanks to you, I dove into the world of personal finance and have picked up some amazing tips from your blog and other blogs like it! Thanks so much, and best of luck in your new debt-free life
Posted: April 24th, 2009 at 9:59 am
Yay! I have been following you for a while and just started my own blog, hopefully to use as inspiration to pay off our credit card debt, just like you did. I can’t wait to post this milestone to my own blog! Congratulations… you’ve definitely earned it.
Posted: April 24th, 2009 at 10:02 am
Congrats! You are an inspiration!
Posted: April 24th, 2009 at 10:06 am
Yeah! Congratulations! What a wonderful feeling it must be. Enjoy!
Posted: April 24th, 2009 at 10:09 am
Awesome!! Great job! What a weight lifted!
Posted: April 24th, 2009 at 10:17 am
Tricia, we are all so proud of you! You have been a great inspiration to me; I still have a lot of work ahead of me to be debt free once again, but I will always think that if you could do it, so could we all.
Posted: April 24th, 2009 at 10:21 am
Congrats! We recently hit this milestone as well, and when I think about what we accomplished it freaks me out a bit. We carried credit card debt of some kind for over 19 years, and getting rid of that burden sure does make one feel lighter…
Posted: April 24th, 2009 at 10:29 am
Congratulations! That is an amazing journey and I’m glad you shared it with me.
Posted: April 24th, 2009 at 10:39 am
Great news – you are an inspiration to me and others!
Posted: April 24th, 2009 at 10:41 am
Congratulations to you and your family!
Posted: April 24th, 2009 at 10:50 am
Congratulations Tricia! This is such a massive accomplishment, I hope you and your family spring for your favourite kinds of pizza! Not only are you credit card debt-free, bt you can now look back and think “I conquered THAT”.
Posted: April 24th, 2009 at 10:59 am
congrats tricia. you rock!!!!
Posted: April 24th, 2009 at 11:04 am
It can’t be said often enough: Congratulations!
I’ve been reading your blog for a while now (since the New York Times article appeared) and you have been a real inspiration to me. I have a ways to go on my own debt journey (my goal is the end of the year to be totally debt free) but I’ve learned a lot reading your blog and some other PF blogs. Thank you!!! And please don’t disappear completely!
Posted: April 24th, 2009 at 11:07 am
Congratulations! I figured you would turn to savings at some point to just rid yourself of the debt. No more credit cards ever again.
Posted: April 24th, 2009 at 11:09 am
WOW!!!!!!! Good for you!!!!!!
Posted: April 24th, 2009 at 11:09 am
Congratulations!! You did it and you should be proud.
Posted: April 24th, 2009 at 11:14 am
Wow! That must feel like a huge relief. Congratulations on finishing a long and stressful journey, and enjoy the rewards of a debt-free life!
Posted: April 24th, 2009 at 11:24 am
Congratulations to you and your family!!! What a wonderful accomplishment and a great way to change your son’s financial future.
Also, isn’t it funny and interesting how being financially responsible and having money also changes the ways you think about spending it? So often I think I want certain things, but it’s only because I can’t have them. Once I have the money, I actually realize that I don’t want the fancy TV or the overpriced skin lotion or the vacation I thought I wanted. It’s a powerful feeling to have mastery over your finances and to feel like you and totally in control of choices regarding spending. I’m sure you’ll fit in a vacation whenever it’s right. In the meantime, it shows a lot of maturity that you’d rather have a healthy savings than the “reward” of an immediate vacation.
Posted: April 24th, 2009 at 11:26 am
Congrats.. what a great accomplishment!
Posted: April 24th, 2009 at 11:30 am
!!! C O N G R A T U L A T I O N S !!!
You’ve done such a great job getting your debt paid off and keeping everyone informed of your journey! You’re an inspiration. Thanks for showing everyone that you really can make your way out of debt, and good luck with where life takes you!
Posted: April 24th, 2009 at 11:41 am
That’s fantastic news. You must have loved seeing those three zeroes.
Posted: April 24th, 2009 at 11:42 am
CONGRATS!
Posted: April 24th, 2009 at 12:00 pm
CONGRATULATIONS!!!! That is awesome. You must be so proud of yourself and your family! Woohoo!
Posted: April 24th, 2009 at 12:02 pm
Here’s the biggest CONGRATS ever!!! When I first started reading your blog in December of 2006, May 2009 seemed so far away to me – I can only imagine how far away it seemed to you! Now we’re here, and I can honestly say that I’m super proud of you, even though we’ve never met. It’s been a pleasure to read your site and watch your journey. And I owe you a big THANK YOU as well, since you inspired me to start my own site. The best of luck to you, from here on out.
Posted: April 24th, 2009 at 12:21 pm
You were one of the first financial blogs I started to read when I began my journey in January of 2008. How exciting to see how far you’ve come. Congratulations and thank you for letting me experience your journey with you.
Posted: April 24th, 2009 at 12:33 pm
Congratulations!!!
We’re all proud of you! Your journey has been long, but it;s also been inspirational to those of us who have been following it!
Enjoy the pizza; you guys earned it big time!
Posted: April 24th, 2009 at 12:39 pm
WOO! Congrats!! I became debt free almost 2 years ago, but still read your blog every time you post. It has been such a journey and I appreciate you sharing it with us!
Posted: April 24th, 2009 at 12:49 pm
Congratulations! Thanks for the inspiration.
Posted: April 24th, 2009 at 12:59 pm
CONGRATS!!!! time to drink some beer & celebrate
Posted: April 24th, 2009 at 1:04 pm
Congratulations!!!!I’ve enjoyed watching your debt-free journey.
Posted: April 24th, 2009 at 1:24 pm
CONGRATULATIONS! (As of today, I’m still floating around 31% paid off. But it’s getting there!) Thank you for being an inspiring and candid throughout the journey!
Posted: April 24th, 2009 at 1:25 pm
Congratulations, Tricia! You’ve blogged away debt!
Posted: April 24th, 2009 at 1:32 pm
Excellent work and congrats on your journey.
Posted: April 24th, 2009 at 1:49 pm
Tricia
Congrats to you and your family! Just make sure you buy the best pizza around for your celebration party – you deserve it! When you do a recap I wonder if you’d consider talking about the top three areas that really made a difference in your debt reduction and contributing more money to it. Thank you for your hard work and perserverence. You’ve inspired me to tackle our cc debt as well. I hope to be where you are in two years or less
Posted: April 24th, 2009 at 1:53 pm
Congratulations!
Posted: April 24th, 2009 at 1:57 pm
I found your website in 2006. Many congratulations on your success and many thanks for your inspiration!
N@ncy
ps I too will be debt free on 1st of June…I took on your challenge!
Posted: April 24th, 2009 at 2:05 pm
Way to go Tricia!!! I’m so happy for you all. Hopefully, you will be reversing that negative net worth graph now that you will be living on current money and saving current money.
Posted: April 24th, 2009 at 2:22 pm
F – R – E – E – D – O – M !!!!!!
This is so huge! There is nothing any of us could say that would properly express the magnitude of it all. This is it. The end. The series finale. You have blogged away your debt. I feel like I just witnessed a small piece of history (lol). Congrats – you have been (and will continue to be) an inspiration to us all.
I feel like this is the end of the super-bowl. Reporter: “So, Tricia – you just won the biggest game of your life. Where are you going to go now?” Tricia: “We’re going to Disney-La… No… Wait a minute. Not enough in the EF for that trip. We’re going to Pizza-Hut!!!” – lol
Posted: April 24th, 2009 at 2:27 pm
Congratulations! What a truly amazing accomplishment! I have been inspired by reading your blog and you, too, have helped me get into the more-family-less-stuff mindset.
I seriously hope you take a look at retirement saving now that you are debt free. I would recommend Vanguard. It has lower fees and expenses than most mutual fund cos. The Target-(insert your desired retirement date) accounts are simple and help you keep on track.
Your focus on paying off debt helped you, for the most part, to miss the gigantic slump in the market’s value. Now you should take advantage of the big stock sales.
Posted: April 24th, 2009 at 2:34 pm
Congratulations Tricia!!!
This is wonderful news! You truly deserve this enormous financial victory 
It’s been a long journey. 
Wow, and you’re finally there. 
Best wishes, DH
Posted: April 24th, 2009 at 2:42 pm
This is wonderful news! I’ve been reading your blog for years and have been inspired by– and really enjoyed reading– your progress. Congratulations to you and your family!
Posted: April 24th, 2009 at 2:42 pm
Congratulations!!!! That’ll be the best tasting pizza!
Posted: April 24th, 2009 at 3:13 pm
Awesome! Order pizza from a good place where they make it all from scratch.
Your next goal should perhaps be getting your net worth to zero.
Okay, maybe that just sounds grim…
Six months income in savings? That sounds more upbeat…
Posted: April 24th, 2009 at 3:13 pm
I had to say CONGRATULATIONS! I can’t even imagine the awesome feeling you have. You worked so hard. Your CC debt is around what we started at, so I really related to your trials and tribulations. I can’t wait when our day comes to declare the same.
Posted: April 24th, 2009 at 3:22 pm
Thanks everyone!
We are going all out with pizza and getting the works on it. We’re also going to have some nice caffeine free soda pop.
Thanks for the questions…I’ll be incorporating them into my next blog posts.
Posted: April 24th, 2009 at 4:35 pm
Awesometown!!!
Enjoy the pizza party!
Posted: April 24th, 2009 at 5:30 pm
Congrats Tricia! so cool! You’ve been a big inspiration to me online, have a great time celebrating!
Posted: April 24th, 2009 at 5:53 pm
Wahoo! Congrats! That is fabulous news.
Posted: April 24th, 2009 at 6:52 pm
Tricia,
The only other time I left a message was to provide information about carbon monoxide poisoning. I have been following your story for almost the whole time you have been blogging, though.
I hope you have 1000 messages congratulating you on your debt-free status.
Come on everyone, let’s give a shout out for Tricia!
Posted: April 24th, 2009 at 7:20 pm
Tricia,
Congratulations! I am so happy for you!
When I first started my debt journey about a year and half ago, I googled “debt blog” and found Blogging Away Debt. You inspired me to start my own blog and watching your progress has given me the motivation to keep on going.
Thanks so much for sharing your story with us and I wish you the best of luck with the next chapter in your life.
Posted: April 24th, 2009 at 7:57 pm
Congrats…you have given many hope that it can be done.
Posted: April 24th, 2009 at 8:27 pm
Congratulations!!!!!!!
Posted: April 24th, 2009 at 9:06 pm
Congrats! I know how this feels and it is wonderful but sometimes feels a bit like a let-down. I also realised on the same journey that my big immediate plans to celebrate were no longer appropriate – I needed to get the rest of my financial life in order first. Nine months or so after becoming debt free, I only now can dare to dream about what exciting things we can plan. But you are ahead of me as you already have an emergency fund under way.
Enjoy this and really, really value what your family has done! Congrats again.
Posted: April 24th, 2009 at 9:10 pm
I am so excitied for y’all and so sad i’m almost crying. you were my first “pay off debt” blog and yours motivated me to get in gear. WOW! what a fabulous journey you took us on, what funny stories, the lessons i learned. Congratulations Trisha! To you and your family! Now stay debt free! and you do deserve a vacation, just one that you save for first:)
Posted: April 24th, 2009 at 9:23 pm
Congrats Tricia!
Posted: April 24th, 2009 at 9:27 pm
Congratulations! You’ve come a long way! Thqnk you for sharing this journey with us, through the highs and lows and the criticisms of you, your husband, and your joint decisions based on your family, not somebody else’s opinion. You might want to warn Beks about those commenters!
Posted: April 24th, 2009 at 9:57 pm
I agree with another commenter. I feel like I’ve witnessed history as I’ve followed you for a couple years now. Your journey to debt freedom has been so inspiring to me. I do hope you will continue to blog about your goals and other priorities.
Posted: April 24th, 2009 at 10:39 pm
Congrats! I wish you all the best on reaching your next goal.
Posted: April 25th, 2009 at 3:29 am
Congratulations! Not only did you pay off your debt, you did it by your goal date! That, in itself is amazing, since we all know life seems happen and pushes back goals. It is such an inspiration to know that through everything, you made it in the timeline that you set for yourself!
Posted: April 25th, 2009 at 5:33 am
Congratulations! That was a long time coming.
Posted: April 25th, 2009 at 7:37 am
Congrats! I used to click all your ads everytime I visited the site. I hope that little bit helped.
Posted: April 25th, 2009 at 8:49 am
That’s incredible-congratulations! Must feel like a weight has been lifted from your shoulders. Now you can get on with the remainder of your financial dreams!
Posted: April 25th, 2009 at 9:37 am
Congratulations, Tricia and family! Thank you for sharing your journey with us. Thanks also for your support of my journey!
Posted: April 25th, 2009 at 9:46 am
Awesome! congrats! way to go! Truly a commendable and outstanding accomplishment.
Posted: April 25th, 2009 at 11:28 am
Congratulations! I can’t wait to be where you are now! You are an inspiration!
Posted: April 25th, 2009 at 11:30 am
You are such an inspiration! Your blog has so helped me! Congratulations Tricia, and family!
Maybe you could become a consultant for a fee? I’m serious!
Posted: April 25th, 2009 at 1:55 pm
Outstanding. Now you change the tense of your domain name
.
Posted: April 25th, 2009 at 3:18 pm
Congrats! I hope the pizza party was fun!
Posted: April 25th, 2009 at 3:58 pm
A great big pat on the back for you, Tricia! You did what you said you would do and that’s gotta feel great. We hope to join you in a couple of years!
Posted: April 25th, 2009 at 4:22 pm
Congratulations, Tricia! One payment at a time, one decision at a time, one meal at home at a time. You did it. We’re halfway there, in part because we watched you doing it, and your blog gave us motivation and hope. Enjoy your party, and start PLANNING the vacation.You have certainly earned it. Love ya girl!
Posted: April 25th, 2009 at 7:17 pm
Tricia,
Please ad my congrats to the list! I just came accross your blog. By any chance did you use the Dave Ramsey Plan?
Posted: April 25th, 2009 at 8:27 pm
You rock!
You ROCK!
YOU ROCK!
Way to go. I’m super happy for you. Your story and site are inspirational.
Oh, did I mention…
YOU ROCK!!!
NCN
Posted: April 26th, 2009 at 5:23 am
Tricia,
Please add our congratulations to you for a job well done! You have shared with us a very inspiring journey through good times and bad. Good luck to you and your family. We will check back in anticipation of your occasional updates.
All the best,
Sandy
Posted: April 26th, 2009 at 9:05 am
this is GREAT!!! Savor the moments and keep that achievement at the top of your mind. If I can do THAT, what else can I do??
And I love how many people commented to say congratulations…what a supportive readsership you have!
Posted: April 26th, 2009 at 10:28 am
Hurray! YOU ARE an INSPIRATION!
Posted: April 26th, 2009 at 3:16 pm
CONGRATS!!!
Posted: April 26th, 2009 at 5:31 pm
Really, really wonderful! I have to admit that I get so easily discouraged with things since the loss of my Mother. It is very hard to stay focused and motivated. I am so happy for you and your family!
Posted: April 26th, 2009 at 10:28 pm
CONGRATS Tricia!!! I’m so excited for you & your family! You’re an inspiration and I hope to also be debt free. I liked the chart from the NCN Network and when I clicked to join in order to make my own chart, I got a message that they are not accepting an new members. Would you happen to know other sites similar to the NCN Network chart you used? Thanks
Posted: April 27th, 2009 at 4:55 am
Congratulations. Welcome to the club. The next step is to cut the card and tell the company goodbye. Get a debit card instead! I have done that over 2 years ago and now I use my own money to get the things I really do need to have. Yes I do treat myself to some nice things however I don’t need to worry at night about how the bill will be paid. Good luck!
Posted: April 27th, 2009 at 9:09 am
Hi Nancy,
I don’t know of a site like NCN Network where you have your own pie chart. You could probably use NetWorth IQ and only track your debt. They keep track of it as a line graph. I have one on the left hand side under “Net Worth”.
Posted: April 27th, 2009 at 11:36 am
Congratulations Tricia.
Very Well Done! I am so pleased for you and so thankful for your example.
Selfishly, I beg, please keep blogging, maybe if only on a weekly basis. I never would have found your blog if it hadn’t been active. Your blog is a great beacon of hope for me.
So, now what? Are you going to tackle that negative worth of $21,038? At your rate it would only a year and a half. Think about it.
I’m still job hunting but I’ve finally had a few call-backs for interviews. I want to be able to follow your example.
Posted: April 27th, 2009 at 12:29 pm
Fantastic! Way to go, Tricia!
Posted: April 27th, 2009 at 12:31 pm
Congratulations! I know exactly how you feel and it’s a wonderful thing! There’s nothing better then knowing you get to start a new journey in life, debt free. I look forward to seeing what your future goals will be and think you and your family made the wise decision to hold off on the vacation. You don’t want to do too much too soon! But, I definitely think you guys deserve a big pat on the back for three years of hard work and effort! You made it! Woohooo!
Posted: April 27th, 2009 at 1:52 pm
Congratulations! You’ve worked hard for this goal, you deserve a HUGE pat on the back!
Posted: April 27th, 2009 at 3:44 pm
GOOD FOR YOU!!!!!!!!!
Posted: April 27th, 2009 at 6:56 pm
Wow! Thank you for sharing your journey. Enjoy the success!
Posted: April 27th, 2009 at 8:51 pm
Trish – I’ve been watching your journey for three years now. I just want to say…
I AM SO PROUD OF YOU AND YOUR FAMILY!!!
Amazing job done.
Posted: April 28th, 2009 at 7:12 am
CONGRATULATIONS!
This is great! And now you can start saving even more money! I’m very happy for you, and while I’ll miss reading your regular posts, I’m really glad that you have made it to this huge milestone!
Posted: April 28th, 2009 at 8:55 am
Congratulations on becoming free of credit card debt! It’s an incredible achievement.
Posted: April 28th, 2009 at 2:44 pm
i’ve been a lurker for some time, i think i’ve only posted once before.
In any case, i’m very very happy for you. Great JOB!!! congrats! I’m just so very excited for you.
Posted: April 29th, 2009 at 10:20 am
I’ve been following your progress the last year and I’m so excited for you! This is great news!
Posted: April 29th, 2009 at 5:48 pm
Nice! Way to go!
But don’t stop yet — try to maintain the momentum while you’re instead building wealth!
Posted: April 29th, 2009 at 6:43 pm
A BIG CONGRATULATIONS from another lurker. Your self-discipline and perseverance are inspiring.
Posted: April 30th, 2009 at 3:48 am
Congrats on this great accomplishment. In this day and age, its huge. Keep focused on your next goal. I’m glad to hear you are celebrating as I believe that we should always celebrate our victories.
Posted: May 1st, 2009 at 12:45 pm
An awesome accomplishment! Congratulations. Thank you so much for sharing your journey with us.
Posted: May 3rd, 2009 at 12:49 pm
Congratulations!!!!
Posted: May 27th, 2009 at 1:11 pm
Wonderful! Can’t wait until the day I can post that on my blog:)
Posted: July 5th, 2009 at 5:02 pm
I am so happy for you. I remember when I paid off my last bill after being $60,000 in credit card debt. It is really an awesome feeling isn’t it?
Posted: September 16th, 2009 at 11:41 am
Congratulations!!! I have just started on my journey of paying off debt and hope to be successful at it. Hoping that keeping a public blog will keep me motivated and maybe I will get tips from readers of the blog.
Posted: February 2nd, 2010 at 5:36 pm
Congratulations! I started my journey more eight months ago and have paid off merely 5K. It is very difficult, more difficult than I thought.
Posted: March 5th, 2010 at 10:35 pm
congrats. that was the best investment you could make. thats a guaranteed 15% return on your money!
Posted: April 19th, 2010 at 11:01 am
For your student loan debt you might want to ask your current lender if you qualify for the student loan forgiveness program. Just google it.
Posted: August 24th, 2010 at 12:17 pm
Congrats. The biggest think I have to overcome is thinking I’m missing something by staying home and not spending Money. I’m proud that I’m at least lowering my obligations every month. However it is only about $100 a month. I would like to gradualy increase that. This past year, I did manage to get my obligation from $9,400 to $8,000, but then the hot Water heater imploded, and I’m back to $9,400.00. I’m determined to pay this off or at least get it to a few grand 2-3 and pay it off with tax return or large commission check. The caution I have is I have a Washing Machine and a Dish Washer that is about ready to be replaced, one is 10 years old, the other is 20 years old. My bed is 15 years old, and lasts only 5 years, and frankly it’s ready to be thrown out. I’m defering these costs as long as I can, but lets face it they will all need to be replaced sooner rather then later. So any extra money may have to be deferred to these long overdue product replacements.