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You are here: Home / finance / Do I get to shout it from the roof tops?

July 26, 2010 · 52 Comments

Do I get to shout it from the roof tops?

finance

This post may contain affiliate links. I may earn from qualifying purchases.


Remember back in September I told you we were going to be debt free as soon as possible by following the Dave Ramsey Plan?  Then, I updated you in Mid-October to let you know that we were on baby step 2, paying off our debt?  And in December I told you how we budgeted for an all cash Christmas.  (Don’t forget me revealing my ghetto blinds, too).  And, again in May, I updated you letting you know we had paid off our van (actually in March) and we were working on our savings and student loans?

Well, guess what…the time has come!  As of today, Tuesday, July 27th, we paid off Mr. Serious’ student loan.

And, now….WE ARE

image{ image: DaveRamsey.com}

(Well, except the house, because Dave Ramsey says you don’t count that..but of course, we are still paying that off).

Now, we are working on the emergency savings fund.  Then, it’s upping our retirement and the kids’ college funds.

We are definitely well on our way.

Looking back, it’s embarrassing and a little upsetting to think about how much money we “threw” away and wasted before we had kids.  Now, we are living frugally, on a budget and we don’t spend nearly what we make.  We aren’t reaching into our savings account for day-to-day expenses, and we are saving money.

And, it’s really not that hard.  Making the budget and looking at what you are spending is really eye-opening and the perfect place to start.

Are you on the way to becoming debt free?  Do you have any questions for me?  Please ask..you know I will shoot you straight!


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« Mommy and Me Monday- The 23rd Edition
“ByeBye PahPah” 2010 | Sending your pacifier to the paci fairy »

Comments

  1. traci says

    July 26, 2010 at 8:48 pm

    I am so happy for you, Krystyn!!

    Reply
  2. Le Chateau des Fleurs says

    July 26, 2010 at 8:51 pm

    I am so glad for you! YOU ROCK! You can really be proud!
    Hugs
    Frenchy

    Reply
  3. Heather says

    July 26, 2010 at 8:52 pm

    What great news! I have to admit, I’m a wee-bit jealous 🙂 I was actually thinking about this today & reminding myself that I still needed to check out the book & get reading & planning before I go back to work so we can start baby-stepping our way towards becoming debt free. It really amazes me that you were able to do it so quickly, it really shows that you were determined. Great job!

    Reply
    • Krystyn says

      July 29, 2010 at 8:05 pm

      Hard work and lots of diligence! But, it’s really not too impossible. You have to be dedicated!

      I hope you went and got the book:)

      Reply
  4. Anti-Supermom says

    July 26, 2010 at 9:04 pm

    That, my Friend, is some of the best news in the world. I’m sure you are on cloud nine. Thanks again for sharing all of your inspiration with us.

    Reply
  5. Matt says

    July 26, 2010 at 9:04 pm

    Congratulations!!! I think you need to call in to Dave’s show and scream “We’re Debt Free”! This is an awesome thing! We’re about 60-65% through paying off our debt on Dave’s plan. We haven’t been able to move through as quickly as we’d like because my wife lost her job last year, but Dave’s budgeting techniques have really helped us along and we’re still making a lot of progress on paying off our debt.

    Reply
  6. amanda says

    July 26, 2010 at 9:07 pm

    uhm dude yes you totally get to shout it from the rooftops!! and you must shoot off fireworks!!

    for real – soooo proud of you!! HUGE news!!

    i’d say go out and celebrate, but i am guessing that’s against the rules 🙂

    best times two!

    Reply
  7. blueviolet says

    July 26, 2010 at 9:23 pm

    You better believe I am debt free!!!!! I will never go back!

    Reply
  8. Michelle says

    July 26, 2010 at 9:48 pm

    Isn’t a wonderful feeling? Next month, we will be paying my Volvo off early. Last year, we paid my husband’s truck off early. It is awesome saving all that money from interest! We are still paying on our travel trailer, less than 2k left, but we really scored on a 0% interest loan. So instead of immediately paying that off, we are putting into savings.

    When my husband and I first got together, I lad loads of credit card debt thanks to living a life style I could not afford. I will NEVER get into that mess again. If we cannot afford it, we do not buy it!

    Way to go!

    Reply
    • Krystyn says

      July 29, 2010 at 8:06 pm

      So glad you guys are almost there..isn’t it crazy looking back at what you did?

      Reply
  9. Jessica says

    July 26, 2010 at 9:55 pm

    That is so awesome, I am so proud on you!! I have been going to the FPU classes, I haven’t 100% bought into it yet, but I also haven’t had the time to fully commit, so we shall see!!

    Reply
    • Krystyn says

      July 29, 2010 at 8:09 pm

      As my hubby says “yes, we drank the Kool-aid.” I haven’t been nearly as successful at convincing my coworkers. They look at me (and tell me) I’m crazy!

      Reply
  10. Jen E @ mommablogsalot says

    July 26, 2010 at 10:00 pm

    So awesome! Way to go!

    Reply
  11. darcie says

    July 26, 2010 at 10:48 pm

    AWESOME!
    Good for you!
    The only debt we have is one car and our house…but I am trying to get better about budgeting and paying both of those down/off & building up savings…Did you really put all of your money on your car/student loans before building up any savings?
    That scares both the hubs & I…we don’t want to take what little bit of savings we have & plop it on the car loan…we’d rather just try pay that off ahead of time WHILE saving a little bit too –

    Reply
    • Krystyn says

      July 29, 2010 at 8:11 pm

      Actually, before we did the car and student loans, we paid off our second mortgage. You start with $1000 emergency fund. If you know something is going to come up, do more. But, one thing he encourages is making sure everything is properly insured. So, if it is, you really shouldn’t have anything more than that.

      It was scary at first. I’ve always had a big savings. But, we never once had to go into our emergency fund, and we had to replace our toilet and make repairs to our car! You can do it. You should check out the book, he really explains it well.

      Reply
  12. Kristen says

    July 26, 2010 at 10:53 pm

    YAY! Way to go friend! While hard living with a budget (or a husband who is crazy budget guy) it is nice when money is no longer a huge stress.

    WAY TO GO!!!

    Reply
    • Krystyn says

      July 29, 2010 at 8:11 pm

      You are so true. We never worry about Christmas or birthday presents or bills!

      Reply
  13. Christa says

    July 26, 2010 at 11:15 pm

    That’s awesome! I need to do this!

    Reply
  14. Diana says

    July 27, 2010 at 12:30 am

    Good for you guys, Krystyn! PROUD of you! *woot*

    Reply
  15. Holly at Tropic of Mom says

    July 27, 2010 at 1:04 am

    Great news, good for you!

    Reply
  16. Heather says

    July 27, 2010 at 1:09 am

    Congrats!!! What an exciting accomplishment! We are currently working through baby step two, so it’s always great to hear success stories!!!

    Reply
    • Krystyn says

      July 29, 2010 at 8:12 pm

      Congrats! You can do it..and if you stick to it, you will be amazed at how fast you get there.

      Reply
  17. Erin says

    July 27, 2010 at 1:11 am

    That is AMAZING!! What a feeling huh? The hubs and I got lucky enough to pay off all our debt prior to getting married and having the boys!

    Reply
    • Krystyn says

      July 29, 2010 at 8:13 pm

      That is awesome. We were lucky and didn’t have very much. I can’t even imagine some situations people are in with their debt in comparison.

      Reply
  18. Shelly @ Coupon Teacher says

    July 27, 2010 at 7:13 am

    Congratulations! I hope I can say that one day too!

    Reply
  19. Amanda says

    July 27, 2010 at 7:24 am

    OMG! Congratulations!!!! I bet you feel awesome!

    Reply
  20. Rebecca Jo says

    July 27, 2010 at 10:03 am

    YOU GO GIRL!!!!!!!!!!!! That’s fantastic news!!!! I’d totally be standing up somewhere screaming it!!!!

    Reply
  21. LLama says

    July 27, 2010 at 11:35 am

    Congratulations! That is so exciting! I can’t wait to the day that I can say that I have paid off my school loans…i mean i really really can wait!

    Reply
    • Krystyn says

      July 29, 2010 at 8:14 pm

      Trust me..it really is a good feeling. And, you will tell everybody.

      Reply
  22. tyne says

    July 27, 2010 at 3:37 pm

    WOOOOOfreakin’HOOOOOOOOO! Way to go. That is awesome, what an incredible burden to have freed yourself from! congrats and enjoy.

    Reply
  23. angie says

    July 27, 2010 at 4:48 pm

    Seriously fantastic. Way to go. I think we still owe on Jeff’s student loans for oh, like, 30 years.

    Reply
  24. Lindsay @ Bytes of Memory says

    July 27, 2010 at 4:51 pm

    yay!! How exciting!! We are working on ours too! We have been working on ours since April and will be paying off our first big thing in November!! woohoo!!

    Reply
    • Krystyn says

      July 29, 2010 at 8:15 pm

      Congrats, Lindsay, that is awesome! You’ll have to keep us posted.

      Reply
  25. Lisa says

    July 27, 2010 at 4:52 pm

    Yay you! That’s got to feel wonderful. When the hubs & I started dating our junior year of college I had over $1000 on a credit card. He sat me down & we had a big talk about money, and I paid it off that summer. From that point on we’ve never had any debt (besides our house) & it makes life so much less stressful! You should be very proud of yourselves 🙂

    Reply
    • Krystyn says

      July 29, 2010 at 8:16 pm

      That’s great! We didn’t have too much, but it is still nicer not having anything except the house).

      Reply
  26. Emily says

    July 27, 2010 at 5:15 pm

    I made my last debt payment July 25! Now I have to pay for the house to sell and the wedding!

    Reply
    • Krystyn says

      July 29, 2010 at 8:16 pm

      Hey…how is the house selling going, anyways?

      Reply
  27. Stephanie says

    July 27, 2010 at 6:15 pm

    Awesome!! What an accomplishment! Yes, you have every right to shout it from the rooftops!

    Reply
  28. Jennifer says

    July 27, 2010 at 8:13 pm

    SOOOOOO excited for you and Mr. Serious! For real. Congratulations.

    Reply
  29. ModernMom says

    July 27, 2010 at 8:55 pm

    Congrats! I too shake my head at the way we used to spend money. It flew threw our hands when we were a two income no kids family. Sigh. ..but it was fun!

    Reply
    • Krystyn says

      July 29, 2010 at 8:17 pm

      Seriously, when we had a ton more money, we didn’t even realize it..and now that we pay our daycare more than our mortgage company…we realize it.

      Reply
  30. Tamara says

    July 28, 2010 at 9:51 am

    Crap, something went wrong and I lost my comment. Grrr…I’ll try again.

    This was my first time here…well, second, now that my comment poofed…but congratulations on your debt-free accomplishments. I would love to say that we were close, or even had a hope of ever being debt-free, but I’d be lying my face off.

    And good job on the paci send-off! I’m sure it was heartbreaking. I CRINGE when I see four and five year-olds running around with pacifiers in their mouths.

    I’ll be back! 🙂

    Reply
    • Krystyn says

      July 29, 2010 at 8:22 pm

      Sorry you had to come back and comment, but I’m so glad you did.

      Now is as good of a time as any, right? It seriously helps so much to sit down and make a budget and see what you are spending money on. We realized we were spending way too much money on food. Seriously, we don’t need all of that!

      And, thanks about the paci. I wasn’t ready to let it go:)

      Reply
  31. Abbie says

    July 28, 2010 at 11:22 am

    I can’t wait to shout it from the rooftops that we are DEBT FREE! We just started a plan 2 months ago and it is amazing what we have already accomplished! Congrats to you!

    Reply
    • Krystyn says

      July 29, 2010 at 8:23 pm

      Isn’t it crazy to see the changes so quickly. I think the biggest thing that helped us was the budget.

      Reply
  32. Jessica@The Southern Belle Baby says

    July 28, 2010 at 12:10 pm

    Awesome and very exciting!!! We just started with good ‘ole Dave about a month ago, so we have a ways to go, but at least we’re on the path to eradicating that nasty debt!

    Reply
    • Krystyn says

      July 29, 2010 at 8:28 pm

      Hey, every month on the plan is a month in the right direction, right? You’re on your way. Congrats!

      Reply
  33. Rachel @ Its a Hero says

    July 31, 2010 at 11:49 am

    I am so happy for you! I have definitely been extremely conscious of my money for the last year and am working on being debt free as well. But I feel I am a LONG way off and that is scary to me. Like, really scary 🙁

    Reply
  34. amy v says

    January 20, 2012 at 8:37 pm

    CONGRATS!! Ireally wish we were debt free- far from it! i’d love to be able to not worry about bills. we’re living on a tight budget and we’re trying to pay cash- not charge anything.

    annae07 at aol dot com

    Reply
    • Krystyn says

      January 20, 2012 at 10:31 pm

      Thanks! You can do it! The biggest thing is getting the budget inline and finding that extra money where every you can!

      And, cut up those credit cards! If you don’t have them, you can’t use them.

      Reply

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About Krystyn

Krystyn has been blogging since 2005. She is a sarcasm-loving, straight-shooting, jeans and t-shirts wearing, wife and mom of four girls (ages 14, 12, 8 and 6). She blogs about life as a mom and wife and includes funny stories, family travel, fitness, recipes, STEM and more. She currently resides in the Atlanta, Georgia suburbs.
krystyn@reallyareyouserious.com

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Connect with Krystyn

Krystyn has been blogging since 2005. She is a sarcasm-loving, straight-shooting, jeans and t-shirts wearing, wife and mom of four girls (ages 14, 12, 8 and 6). She blogs about life as a mom and wife and includes funny stories, family travel, fitness, recipes, STEM and more. She currently resides in the Atlanta, Georgia suburbs.
krystyn@reallyareyouserious.com

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