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  1. #1
    Forum Member DaSharkie's Avatar
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    Default Finally Did It......

    Well..........As of about 1400 hours today.........

    We're Debt Free!!!!!!!!!!!!!!!!!!!!!!!!!! !!!!!!!!!!!!!!!!!!!!!!!!!!!!

    No student loans, no car loans, do carrying credit card balances. No money owed to any single person or financial institution. No longer slave to lender.


    And next year MarcusKspn can join us.
    "Too many people spend money they haven't earned, to buy things they don't want, to impress people they don't like." Will Rogers

    The borrower is slave to the lender. Proverbs 22:7 - Debt free since 10/5/2009.

    "No man's life, liberty, or property are safe while the legislature is in session." - New York Judge Gideon Tucker

    "As Americans we must always remember that we all have a common enemy, an enemy that is dangerous, powerful and relentless. I refer, of course, to the federal government." - Dave Barry

    www.daveramsey.com www.clarkhoward.com www.heritage.org


  2. #2
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    Quote Originally Posted by DaSharkie View Post
    Well..........As of about 1400 hours today.........

    We're Debt Free!!!!!!!!!!!!!!!!!!!!!!!!!! !!!!!!!!!!!!!!!!!!!!!!!!!!!!

    No student loans, no car loans, do carrying credit card balances. No money owed to any single person or financial institution. No longer slave to lender.


    And next year MarcusKspn can join us.
    Did you call and scream yet?
    "They who can give up essential liberty to obtain a little temporary safety, deserve neither liberty nor safety." -- Benjamin Franklin

  3. #3
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    Quote Originally Posted by DaSharkie View Post
    Well..........As of about 1400 hours today.........

    We're Debt Free!!!!!!!!!!!!!!!!!!!!!!!!!! !!!!!!!!!!!!!!!!!!!!!!!!!!!!

    No student loans, no car loans, do carrying credit card balances. No money owed to any single person or financial institution. No longer slave to lender.


    And next year MarcusKspn can join us.
    Congrats Sharkie. Its a great feeling isn't it? Now you can concentrate on that umpteen gazillion debt that you as a taxpayer get to be a part of. Maybe you oughta run for govt and show the twits how its done.

  4. #4
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    FREEDOM!!!!!!!

    It's great. . .

  5. #5
    MembersZone Subscriber MalahatTwo7's Avatar
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    Thumbs up

    KUUULLL on you Shark!

  6. #6
    Forum Member DaSharkie's Avatar
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    Quote Originally Posted by MarcusKspn View Post
    Did you call and scream yet?
    Plan on calling on Friday my friend.......Don't have the volume turned up too loud - the intensity of the scream just may blow the speakers.

    Look forward to hearing you scream next year.


    Sad thing is that we were debt free in 2004 for about 4 months.....then graduate school started and the cycle began anew. Only took 3 years to get there again.
    "Too many people spend money they haven't earned, to buy things they don't want, to impress people they don't like." Will Rogers

    The borrower is slave to the lender. Proverbs 22:7 - Debt free since 10/5/2009.

    "No man's life, liberty, or property are safe while the legislature is in session." - New York Judge Gideon Tucker

    "As Americans we must always remember that we all have a common enemy, an enemy that is dangerous, powerful and relentless. I refer, of course, to the federal government." - Dave Barry

    www.daveramsey.com www.clarkhoward.com www.heritage.org

  7. #7
    Forum Member DaSharkie's Avatar
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    Quote Originally Posted by BryanLoader View Post
    Congrats Sharkie. Its a great feeling isn't it? Now you can concentrate on that umpteen gazillion debt that you as a taxpayer get to be a part of. Maybe you oughta run for govt and show the twits how its done.
    Bryan - have you been paying attention to my tone in these forums? My attitude would go over like a fart in church on Capitol Hill.
    "Too many people spend money they haven't earned, to buy things they don't want, to impress people they don't like." Will Rogers

    The borrower is slave to the lender. Proverbs 22:7 - Debt free since 10/5/2009.

    "No man's life, liberty, or property are safe while the legislature is in session." - New York Judge Gideon Tucker

    "As Americans we must always remember that we all have a common enemy, an enemy that is dangerous, powerful and relentless. I refer, of course, to the federal government." - Dave Barry

    www.daveramsey.com www.clarkhoward.com www.heritage.org

  8. #8
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    Quote Originally Posted by DaSharkie View Post
    Well..........As of about 1400 hours today.........

    We're Debt Free!!!!!!!!!!!!!!!!!!!!!!!!!! !!!!!!!!!!!!!!!!!!!!!!!!!!!!

    No student loans, no car loans, do carrying credit card balances. No money owed to any single person or financial institution. No longer slave to lender.


    And next year MarcusKspn can join us.
    Congratulations!!! Now that you have excess resources you can help those of us who are less fortunate.

  9. #9
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    Quote Originally Posted by DaSharkie View Post
    Plan on calling on Friday my friend.......Don't have the volume turned up too loud - the intensity of the scream just may blow the speakers.
    Any secret code words we should listen for to let us know it's you
    "They who can give up essential liberty to obtain a little temporary safety, deserve neither liberty nor safety." -- Benjamin Franklin

  10. #10
    Forum Member firecat1's Avatar
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    CONGRATS! I was debt-free....once. It felt great, so I hope you get to enjoy that feeling for a LONG time!

  11. #11
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    Quote Originally Posted by DaSharkie View Post
    Bryan - have you been paying attention to my tone in these forums? My attitude would go over like a fart in church on Capitol Hill.
    Yeah I don't expect you'd be that popular with your colleagues, but probably would with the taxpayers.

  12. #12
    Forum Member DaSharkie's Avatar
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    Quote Originally Posted by MarcusKspn View Post
    Any secret code words we should listen for to let us know it's you
    In order to retain my anonymity - nope. Just expect the ground to rumble.

    .......correction, you could listen for the key words of a total debt of $160,124.98 (including interest)

    I am somewhat of a financial geek. I have Quicken records that go as far back as 1994 when I was still in the Marines. I know where every penny I have ever spent from 1994 until now is.......and I still wonder sometimes what in the f@ck I blew some of it on and why....
    "Too many people spend money they haven't earned, to buy things they don't want, to impress people they don't like." Will Rogers

    The borrower is slave to the lender. Proverbs 22:7 - Debt free since 10/5/2009.

    "No man's life, liberty, or property are safe while the legislature is in session." - New York Judge Gideon Tucker

    "As Americans we must always remember that we all have a common enemy, an enemy that is dangerous, powerful and relentless. I refer, of course, to the federal government." - Dave Barry

    www.daveramsey.com www.clarkhoward.com www.heritage.org

  13. #13
    Forum Member DaSharkie's Avatar
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    Quote Originally Posted by ScareCrow57 View Post
    Congratulations!!! Now that you have excess resources you can help those of us who are less fortunate.
    No financial help. But I can give you encouragement and motivation. You can pay off your debts if you are willing to cut here, trim there, say no, and commit to some self-sacrifice it can be done.

    I save my monetary donations to folks that I know are down and out and to a few charities that I am commited to.

    Besides, you making a statement like that makes you sound like a Socialist.
    "Too many people spend money they haven't earned, to buy things they don't want, to impress people they don't like." Will Rogers

    The borrower is slave to the lender. Proverbs 22:7 - Debt free since 10/5/2009.

    "No man's life, liberty, or property are safe while the legislature is in session." - New York Judge Gideon Tucker

    "As Americans we must always remember that we all have a common enemy, an enemy that is dangerous, powerful and relentless. I refer, of course, to the federal government." - Dave Barry

    www.daveramsey.com www.clarkhoward.com www.heritage.org

  14. #14
    Forum Member DaSharkie's Avatar
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    Quote Originally Posted by BryanLoader View Post
    Yeah I don't expect you'd be that popular with your colleagues, but probably would with the taxpayers.
    Not the taxpayers from Massachusetts. They want more taxes and no fiscal responsibility. Man I cannot wait to get the heck out of here again.
    "Too many people spend money they haven't earned, to buy things they don't want, to impress people they don't like." Will Rogers

    The borrower is slave to the lender. Proverbs 22:7 - Debt free since 10/5/2009.

    "No man's life, liberty, or property are safe while the legislature is in session." - New York Judge Gideon Tucker

    "As Americans we must always remember that we all have a common enemy, an enemy that is dangerous, powerful and relentless. I refer, of course, to the federal government." - Dave Barry

    www.daveramsey.com www.clarkhoward.com www.heritage.org

  15. #15
    Forum Member FireEeyore's Avatar
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    Quote Originally Posted by BryanLoader View Post
    Congrats Sharkie. Its a great feeling isn't it? Now you can concentrate on that umpteen gazillion debt that you as a taxpayer get to be a part of. Maybe you oughta run for govt and show the twits how its done.
    Actually, it was never a plan to pay back the debt. If you have noticed, the value of the US dollar has decreased over time since we started " borrowing" money.

    The government will never " pay back" the money that it STOLE from us. Yes, I said stole. The government printed up billions of dollars, which in effect decreased the value of every dollar in the market. Essentially, the government took money out of our pockets.

  16. #16
    Back In Black ChiefKN's Avatar
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    I've plotted our course and hope to be there in the next few years.

    What do you attribute your success to?
    I am now a past chief and the views, opinions, and comments are mine and mine alone. I do not speak for any department or in any official capacity. Although, they would be smart to listen to me.

    "The last thing I want to do is hurt you. But it's still on the list."

    "When tempted to fight fire with fire, remember that the Fire Department usually uses water."

  17. #17
    Forum Member CrnkB8's Avatar
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    I am not debt free; still have a mortgage and one credit card. I can relate to your joyous feeling, must be the same way I felt when I made my last child support payment a few years ago.

    Congrats on your accomplishment, can I borrow some $$$ or at least buy the next round

  18. #18
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    Quote Originally Posted by DaSharkie View Post
    .......correction, you could listen for the key words of a total debt of $160,124.98 (including interest)
    I'll listen for the magic number. I imagine you are looking forward to screaming this Friday.

    Now to build up the emergency fund, save for retirement, and to give. Congratulations again on not being a slave anymore.
    "They who can give up essential liberty to obtain a little temporary safety, deserve neither liberty nor safety." -- Benjamin Franklin

  19. #19
    Forum Member DaSharkie's Avatar
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    Quote Originally Posted by ChiefKN View Post
    I've plotted our course and hope to be there in the next few years.

    What do you attribute your success to?
    Chief,

    It is all about drive and pushing yourself. We just got sick of paying a ton of money to someone else every damned month. We also came to the realization that there truly is no such thing as "good debt." If you are married, you and the Mrs. both have to be on the same page, and both have to be committed to doing it. If you both are, then every spare penny you have after paying for the bills goes 1) to a small $1,000 - $1,500 emergency fund never to be touched, and 2) to your smallest debt and then just pay them off and move right up to the largest debt. In the past year we have moved to the Dave Ramsey plan which is essentially what this is and tweaked a couple of things.

    Last year we realized that we made too much money to be able to claim our student loan interest on the taxes so we missed out on the help of $6,000 in interest payments. There was no benefit for us to carry a balance on the loans, and we had already paid off both cars last year.

    I will admit that we have the advantage of having no children, and no mortgage since we rent currently. We also make a tidy sum of money between the two of us so we had it "easier" than others and just socked away a ton of money to whack the bills every month. Not everyone is in that situation. You have to drive yourself to do it though - regardless of how much you make - and cut all but 1 credit card up.

    You can do it, and you will do it, but you and Mrs. Chief have to be on the same page and committed to do it - and set a date to do it. We had given ourselves until this December to do it, and we did it 2 months early - only because we emptied almost all of our savings to do so.

    Keep us posted Chief and we will keep you motivated and on target to accomplish your goal. You can do it.
    "Too many people spend money they haven't earned, to buy things they don't want, to impress people they don't like." Will Rogers

    The borrower is slave to the lender. Proverbs 22:7 - Debt free since 10/5/2009.

    "No man's life, liberty, or property are safe while the legislature is in session." - New York Judge Gideon Tucker

    "As Americans we must always remember that we all have a common enemy, an enemy that is dangerous, powerful and relentless. I refer, of course, to the federal government." - Dave Barry

    www.daveramsey.com www.clarkhoward.com www.heritage.org

  20. #20
    Forum Member DaSharkie's Avatar
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    Quote Originally Posted by MarcusKspn View Post
    I'll listen for the magic number. I imagine you are looking forward to screaming this Friday.

    Now to build up the emergency fund, save for retirement, and to give. Congratulations again on not being a slave anymore.
    Lemme know when you will do it next year and I'll do the same. Keep going Marcus and Chief.

    Live like no one else, so that you can live like no one else.
    "Too many people spend money they haven't earned, to buy things they don't want, to impress people they don't like." Will Rogers

    The borrower is slave to the lender. Proverbs 22:7 - Debt free since 10/5/2009.

    "No man's life, liberty, or property are safe while the legislature is in session." - New York Judge Gideon Tucker

    "As Americans we must always remember that we all have a common enemy, an enemy that is dangerous, powerful and relentless. I refer, of course, to the federal government." - Dave Barry

    www.daveramsey.com www.clarkhoward.com www.heritage.org

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