A person’s lifetime is filled with memorable dates: birthdays, first dates, anniversaries, etc. I am happy to announce that March 4, 2010 is added to my list of significant dates in my life. Today is the day I become Debt Free!


This post may be slightly dramatic recapping my quest towards debt-freedom… but some day I will grow accustomed to having a positive balance in my financial life and slowly I’ll forget the significance of today. So before moving on, I kind of want to be sentimental and inadequately describe the fantastic feeling of freedom I have at this moment. I owe nothing! Not even a tiny balance on a credit card! When I look at my money, it is all mine. Three years and $13,800 later, I am finally debt free! Here’s the final recap of my payments:

Thank you to anyone who has encouraged me during this last year! To anyone who is in debt… you CAN do it! It takes a lot of hard work and perseverance, but I promise the end result is worth it. I’m done! I’m done! I’m done!!!!

  • Congrats! What an awesome achievement. It looks like you have put in a lot of hard work to reach this victory! Great job. :)

  • Congratulations, this is awesome. I know that you are more than excited. This is certainly a great testimonial that becoming debt free can be accomplished with discipline and proper planning.

    For all of readers who may be considering mapping out a similar plan, creditors are now required (Credit CARD Act of 2009) to inform you on your statement how you can pay the debt off sooner if you make more than the minimum monthly payment. It is an eye-opening comparison which puts you in shock when you view the difference in just paying the minimum monthly payment or more than. Be sure to review the information on your statement.

    Again, congratulations. Keep up the good work.

  • Congrats MPP! Now you put something towards that beautiful blue box in the upper right corner!

  • wow!! Congratulations!!!

    This is the perfect one year blogaversary present for you!

    So looking forward to hearing what you’re going to do with all your funds now! Your savings will sky rocket!

  • Congratulations!
    (P.S. Your note on the spreadsheet is too cute.)

  • Congratulations!! Hope you do some celebrating now!

  • CONGRATS!!! That is a huge accomplishment! You should be so proud. Go get a bottle of wine or champagne and celebrate! I’m hoping to be where you are by the end of the year. I still have a ways to go, but seeing posts like this keep me motivated.

    Now the question is… what are you going to do with all your extra money now that you aren’t making payments toward debt? :)

  • Congrats! Do you have any plans for celebration?

  • SP

    So amazing! What a great week for you!

  • Congratulations. Your journey is very inspiring and I look forward to see what happens from here! :)

  • woot woot!

  • Heck yea! I’m super jealous. Hard work pays off. Way to be an example

  • Congratulations! What an achievement.

  • Congratulations!!!!!

  • esperanza

    you are an inspiration.

  • What an exciting accomplishment and the start of a brand new relationship with money.


  • Congratulations, lovey! I am so very proud of you. You’ve done an amazing job. And before I forget, HAPPY BELTATED BLOG BIRTHDAY!

  • *hands you a cosmo*

    Well done, MPP! I’m SOOOOO proud of you.

    You’ve done awesome!

    I bet your parents are proud, too. I remember one of your first posts where you upped your payments and you talked about your dad asking you if he could cash the check cause it was a lot. He must be just THRILLED with your progress. =)

    …Was that a year ago now? Man time flies…

    Anyway, CONGRATS! I’m definitely jealous, but I’ll be joining you by the time the year is up. =D

  • Congratulations!
    What perfect timing considering you just celebrated your one year blogoversary too. Are you going to celebrate?

  • Carrie

    Woohoo!!!!!!!!! I wish we all lived by each other so we could go out and celebrate tonight!!! You deserve it! Go you!!!!!!!!!

  • Congrats MPP!

  • I’m so happy for you, congratulations! =)

  • awesome, August will be my month to celebrate

  • speedywilson

    Congrats its an awsome feeling…i know.

  • seenonflickr


  • Awesome! It’s fun to see that it is possible and to have read along your journey! Good for you!

  • Congrats!! :)

  • Wheoooooo!!
    I can’t wait for that day.

  • Congratulations! :-)

  • Congratulations MPP!!!!! What a great day to celebrate!!

  • That’s such great news! Congrats!!

  • Congratulations!!!!! That’s quite an accomplishment!!! Now go celebrate!!!

  • Congratulations!!! A blog birthday and debt freedom in the same week, wonderful!

  • Brantlee

    Congrats! You are such an inspiration!! I enjoy reading your blog…

  • Wooohoooo!!! Congrats!!!!

  • Congratulations MPP! That’s quite an accomplishment as it definitely takes time to pay down that kind of cash.

    First time visitor – I like your site! Will be by more often.

    The Rat

  • Just awesome! I am happy for you. :)

  • Renae

    Good for you! Congrats and I hope your next goals (savings) feel that much closer – you can do it!

  • Congratulations! :D

    Time to celebrate… and splurge a little on yourself! ;)

  • Good for you!!!!

  • apieceofwood

    and I’d only just posted on the other day saying good luck!

    WELL DONE! I bet it’s an amazing feeling and one I can’t wait to experience!

    Well done you!

  • Congrats! I want to me like you!
    What is next for you?

  • jswesner

    Have you called Dave Ramsey yet? I am so happy for you. Congrats!

  • Zade

    Awesomeness! congrats!

  • Congratulations! What a week for you with the blogiversary and now debt free!

  • Congrats!!!! That is amazing… be proud and buy yourself a drink to celebrate!

  • Ken


  • Sorry I’m a little late to this party, but I am SO FREAKING HAPPY FOR YOU. What an accomplishment!? Doesn’t it feel amazing!? Doesn’t it make you feel like you can accomplish anything in the entire world, if you put your mind to it?

    You’re awesome. Keep up the great work! :)

  • good job. getting in debt was fun. digging out not so fun. digging out is hard work.

  • Gah! This is so inspiring!! Thank you for sharing!

  • Cool. Thanks for sharing your story! Great to hear that you are in a debt free. It’s really such a nice feeling being in a debt free.