Debt free!!! - DiscussWorldIssues - Socio-Economic Religion and Political Uncensored Debate

**violalmina** · 02-20-2009, 04:45 AM

as of this instant I have zero credit card debt!!!! in the past 13 months I have paid off 13 thousand dollars of debt that I had nothing to show for, which I spent while in a bad relationship. Everything is all fixed!!!

**LOVEBoy** · 02-20-2009, 04:48 AM

Must be a good feeling! [thumbup]

**WUlcN1Rz** · 02-20-2009, 04:52 AM

Gratz, must be a huge weight lifted from your shoulders [thumbup]

**asivisepo** · 02-20-2009, 04:53 AM

Congrats!!! I am just about in the same boat. I am one month away from paying the balance on my last card, only $600 left from over $6000.

Amazing effort on your part. That's a lot of debt to pay off so quickly without piling more on. I have friends that could only wish they had $13000 credit card debt instead of what they have now. It's so easy to charge those cards up when they are sooo easy to get.

Again, congrats, now buy yourself something expensive

.

**Symnunidanimb** · 02-20-2009, 04:58 AM

Wow! That must feel great!

Now go out and buy a nice new flashy car!

**en-druzhba** · 02-20-2009, 05:03 AM

Well done, it's a great feeling to know you don't owe anybody anything!

I managed to get myself out of debt about 6-7 months ago as well, though I never owed more than £2500 it was still more than I wanted to owe the banks.

......then I went to Uni,

Debt-o-meter currently stands about around £6,000 and I'm still in the first year.

Should be worth it though

**Bonioners** · 02-20-2009, 05:13 AM

Good feeling to be debt free, and nice acomplishment! Congrats!

**xanax-buy-online.com** · 02-20-2009, 05:35 AM

Good job!

I accrued a massive debt of over $40,000 while trying to get a few businesses off the ground, and at times I thought I was never going to pay it off. I'll be debt free in two months. Can't wait!

**lh88gFzI** · 02-20-2009, 06:25 AM

IM SO FRUCKEN JEALOUS!! I got 15k to go[thumbdown][cursing][cursing]

**xanax-buy-online.com** · 02-20-2009, 07:10 AM

IM SO FRUCKEN JEALOUS!! I got 15k to go[thumbdown][cursing][cursing]

Hang in there man. The best things to do are as follows for credit card debt.

1. Adjust your lifestyle to accommodate a "credit free" lifestyle. By that I mean, don't buy anything unless you have the cash for it.

2. Cut up your credit cards, and keep one of them for emergency purposes only

3. Negotiate with your creditors. Believe it or not, right now is the BEST time to be in debt, because a lot of credit card companies are more than willing to accept any offer that involves them being paid back (Including pennies on the dollar for what you owe).

Credit right now means very little, as even those with excellent credit scores are still finding themselves without a loan due to the credit freeze. I consolidated my debt for a fraction of what I owed, and instead of it taking 30 years or more to pay back, I only paid about 30% of what I owed in 2.5 years, and am fully paid off.

**Rounteetepehryn** · 02-20-2009, 03:29 PM

Woohoo! Congrats!

Now the next challenge.... don't get more credit card debt.
________
Video reviews

**Jueqelyl** · 02-20-2009, 04:58 PM

nice one!

i'm about £1400 (for a car) + £1600 (paying my ex wife off) on credit cards and £80k on a mortgage

Itd be so nice to get rid of them. I dont think its excessive but Id rather get to keep all my pay.

**megatrendsZ** · 02-20-2009, 06:26 PM

congrats

**natahololll** · 02-20-2009, 06:47 PM

as of this instant I have zero credit card debt!!!! in the past 13 months I have paid off 13 thousand dollars of debt that I had nothing to show for, which I spent while in a bad relationship. Everything is all fixed!!!

problem is the way the climate is at the moment you still owe money due to the countries national debt.

Like here in the UK even though I have no debts technically I as well as everyone else MAN WOMAN AND CHILD owes 30k [no]

1.5 TRILLIAN NATIONAL DEBT....

**Mappaindy** · 02-20-2009, 08:19 PM

Grats [thumbup]

**betraaaus** · 02-20-2009, 09:45 PM

I will be in about £16000 debt at the end of uni (all student loans) However since I started working I cleared my (interest free) overdraft and am around £600-700 in the black, I intend to build that up to around £1000 or a little more at the end of the semester and then work full time over the summer so that this next and final year I will not have to work and still stay positive at the end of the year.

02-20-2009, 04:45 AM	#1
violalmina Join Date Oct 2005 Posts 365 Senior Member	Debt free!!! as of this instant I have zero credit card debt!!!! in the past 13 months I have paid off 13 thousand dollars of debt that I had nothing to show for, which I spent while in a bad relationship. Everything is all fixed!!! Share Share this post on Digg Del.icio.us Technorati Twitter
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02-20-2009, 04:48 AM	#2
LOVEBoy Join Date Oct 2005 Posts 487 Senior Member	Must be a good feeling! [thumbup] Share Share this post on Digg Del.icio.us Technorati Twitter
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02-20-2009, 04:52 AM	#3
WUlcN1Rz Join Date Oct 2005 Posts 488 Senior Member	Gratz, must be a huge weight lifted from your shoulders [thumbup] Share Share this post on Digg Del.icio.us Technorati Twitter
	Quote

02-20-2009, 04:53 AM	#4
asivisepo Join Date Oct 2005 Posts 456 Senior Member	Congrats!!! I am just about in the same boat. I am one month away from paying the balance on my last card, only $600 left from over $6000. Amazing effort on your part. That's a lot of debt to pay off so quickly without piling more on. I have friends that could only wish they had $13000 credit card debt instead of what they have now. It's so easy to charge those cards up when they are sooo easy to get. Again, congrats, now buy yourself something expensive . Share Share this post on Digg Del.icio.us Technorati Twitter
	Quote

02-20-2009, 04:58 AM	#5
Symnunidanimb Join Date Oct 2005 Posts 389 Senior Member	Wow! That must feel great! Now go out and buy a nice new flashy car! Share Share this post on Digg Del.icio.us Technorati Twitter
	Quote

02-20-2009, 05:03 AM	#6
en-druzhba Join Date Oct 2005 Posts 471 Senior Member	Well done, it's a great feeling to know you don't owe anybody anything! I managed to get myself out of debt about 6-7 months ago as well, though I never owed more than £2500 it was still more than I wanted to owe the banks. ......then I went to Uni, Debt-o-meter currently stands about around £6,000 and I'm still in the first year. Should be worth it though Share Share this post on Digg Del.icio.us Technorati Twitter
	Quote

02-20-2009, 05:13 AM	#7
Bonioners Join Date Oct 2005 Posts 418 Senior Member	Good feeling to be debt free, and nice acomplishment! Congrats! Share Share this post on Digg Del.icio.us Technorati Twitter
	Quote

02-20-2009, 05:35 AM	#8
xanax-buy-online.com Join Date Oct 2005 Posts 519 Senior Member	Good job! I accrued a massive debt of over $40,000 while trying to get a few businesses off the ground, and at times I thought I was never going to pay it off. I'll be debt free in two months. Can't wait! Share Share this post on Digg Del.icio.us Technorati Twitter
	Quote

02-20-2009, 06:25 AM	#9
lh88gFzI Join Date Oct 2005 Posts 555 Senior Member	IM SO FRUCKEN JEALOUS!! I got 15k to go[thumbdown][cursing][cursing] Share Share this post on Digg Del.icio.us Technorati Twitter
	Quote

02-20-2009, 07:10 AM	#10
xanax-buy-online.com Join Date Oct 2005 Posts 519 Senior Member	IM SO FRUCKEN JEALOUS!! I got 15k to go[thumbdown][cursing][cursing] Hang in there man. The best things to do are as follows for credit card debt. 1. Adjust your lifestyle to accommodate a "credit free" lifestyle. By that I mean, don't buy anything unless you have the cash for it. 2. Cut up your credit cards, and keep one of them for emergency purposes only 3. Negotiate with your creditors. Believe it or not, right now is the BEST time to be in debt, because a lot of credit card companies are more than willing to accept any offer that involves them being paid back (Including pennies on the dollar for what you owe). Credit right now means very little, as even those with excellent credit scores are still finding themselves without a loan due to the credit freeze. I consolidated my debt for a fraction of what I owed, and instead of it taking 30 years or more to pay back, I only paid about 30% of what I owed in 2.5 years, and am fully paid off. Share Share this post on Digg Del.icio.us Technorati Twitter
	Quote

02-20-2009, 03:29 PM	#11
Rounteetepehryn Join Date Oct 2005 Posts 349 Senior Member	Woohoo! Congrats! Now the next challenge.... don't get more credit card debt. ________ Video reviews Share Share this post on Digg Del.icio.us Technorati Twitter
	Quote

02-20-2009, 04:58 PM	#12
Jueqelyl Join Date Oct 2005 Posts 502 Senior Member	nice one! i'm about £1400 (for a car) + £1600 (paying my ex wife off) on credit cards and £80k on a mortgage Itd be so nice to get rid of them. I dont think its excessive but Id rather get to keep all my pay. Share Share this post on Digg Del.icio.us Technorati Twitter
	Quote

02-20-2009, 06:26 PM	#13
megatrendsZ Join Date Oct 2005 Posts 468 Senior Member	congrats Share Share this post on Digg Del.icio.us Technorati Twitter
	Quote

02-20-2009, 06:47 PM	#14
natahololll Join Date Oct 2005 Posts 667 Senior Member	as of this instant I have zero credit card debt!!!! in the past 13 months I have paid off 13 thousand dollars of debt that I had nothing to show for, which I spent while in a bad relationship. Everything is all fixed!!! problem is the way the climate is at the moment you still owe money due to the countries national debt. Like here in the UK even though I have no debts technically I as well as everyone else MAN WOMAN AND CHILD owes 30k [no] 1.5 TRILLIAN NATIONAL DEBT.... Share Share this post on Digg Del.icio.us Technorati Twitter
	Quote

02-20-2009, 08:19 PM	#15
Mappaindy Join Date Nov 2005 Posts 477 Senior Member	Grats [thumbup] Share Share this post on Digg Del.icio.us Technorati Twitter
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02-20-2009, 09:45 PM	#16
betraaaus Join Date Oct 2005 Posts 425 Senior Member	I will be in about £16000 debt at the end of uni (all student loans) However since I started working I cleared my (interest free) overdraft and am around £600-700 in the black, I intend to build that up to around £1000 or a little more at the end of the semester and then work full time over the summer so that this next and final year I will not have to work and still stay positive at the end of the year. Share Share this post on Digg Del.icio.us Technorati Twitter
	Quote