I'm debt-free. Totally debt-free. Don't owe a cent to anyone or anything.
Got debt-free on March 23 at 9:23 pm. I'd been carrying a too-large balance on my VISA (bad Kath) and had a Nordstrom card with a $505 balance. Also had a nice amount set aside for my next house...not talking about millions, but enough to make a nice downpayment.
I'd started reading Dave Ramsey
along with Suze Orman
back in the day when I was married and in huge debt - upwards of $76,000 (not including our mortgage). Took 4 1/2 years to get debt-free. Hard work! Had a mantra of 'Is it a want or a need'? for the entire time. Lived on $20/week fun money, $20/week gas money & $100/month grocery money. Piled the rest onto our debt. Lived on a cash basis with strict accountability. Got a second job. Then a third job.
That was then, this is now.
I 'almost' learned my lesson, but not quite. Post-divorce I'd accumulated some debt. Paid it off. Accumulated more. Paid it off. Then realized that I truly honestly HATE debt and do not ever want to have it in my life. So I raided my house fund and paid everything off. Paid off and CANCELLED my Nordstrom card. I'm not a 'shoppy' type of chick, but I love me some Merrell's
(comfiest shoes EVER!) and Nordy's has an excellent selection of the comfiest shoes EVER! Paid off and performed plastic surgery on my only remaining credit card...then took a picture of it and have it as my cell screen saver.
(notice it's a library book??) Why buy a book when you can read it for free? :-)
Can't believe it took so long for the 'ah-ha' moment to hit. I shoulda done this right when I sold my house, but I didn't really stop to do the math. Once I did, it made sense. And now that I am debt-free? I'm reevaluating everything in my life. My purchases. Why I spend what I spend...and what I spend it on.
Had decided to keep renting my room a little longer and postpone buying my house. My new goal is to put 50% cash down on my next house, get a 15 year mortgage and a house mate, and pay it off in 7 years.
Monday afternoon my roomie advised me that he needed to raise my rent by close to 50%. His lease is up and he needs to do what he needs to do. Understandable, but I'm not comfortable paying 50% more.
Did I freak out when I heard the news? YES!! Hell yes!! You might recall that I live ACROSS THE STREET from my perfect job. I <3 my 2 minute commute. And I'd finally changed over all my records to this address. I am comfortable. Settled. Life is good!
But you know, change is good too! And as much as I HATE the saying 'things happen for a reason'....things really DO happen for a reason.
So I'm no longer freaking. Instead, am choosing to see this as an ADVENTURE, with moving and packing thrown in for good measure. At the very least, another excuse to further declutter my belongings.
And know what?? Being debt free when life yanks the rug out from under you is a good thing..a very good thing.
So boys and girls, I'm looking for a new place. Have several options in play and hoping to hear good news by Monday. Am open to where the Universe wants me to land. And I'm excited for this change! Yeah, even tho it means changing my addresses all over again.
While I may not have control over the changes that are driving my move, I'm always in control when it comes to driving my destiny.
Going with my gut by getting (and staying) debt-free, being open to change, facing the change with happiness and a positive attitude, and being excited about the changes to come is making Kathyland a really interesting place as of late.
Thanks for sharing the ride :-)