We've been doing the dave ramsey baby steps and with yesterday's tax refund we are debt free!
We paid off dh's student loan, our credit union loan, a past due electric bill, and our property taxes with our tax refund yesterday. Dh got a copy of our credit report and it's clear once those things are gone.
In August we sold our home and with the proceeds we paid off the leins (overdue prop taxes, water bills) and bought a smaller and more cost efficient home that we love. This time last year we were almost $15,000 in debt between the leins, the loans, an almost $3K owed to our heating company. We paid about $6K of our debt just by scraping up every penny we could and throwing it at debt, the other ~$9K came from selling the house.
Now I am on baby step #3 - saving 3-6 months worth of expenses.
Just had to announce because yesterday was the 2nd happiest day of my life.
Dh and I just sat on the couch and stared at each other dumbstruck after that last check was mailed.
We paid off dh's student loan, our credit union loan, a past due electric bill, and our property taxes with our tax refund yesterday. Dh got a copy of our credit report and it's clear once those things are gone.
In August we sold our home and with the proceeds we paid off the leins (overdue prop taxes, water bills) and bought a smaller and more cost efficient home that we love. This time last year we were almost $15,000 in debt between the leins, the loans, an almost $3K owed to our heating company. We paid about $6K of our debt just by scraping up every penny we could and throwing it at debt, the other ~$9K came from selling the house.
Now I am on baby step #3 - saving 3-6 months worth of expenses.
Just had to announce because yesterday was the 2nd happiest day of my life.
Dh and I just sat on the couch and stared at each other dumbstruck after that last check was mailed.
