My biggest financial accomplishment so far is making a budget, sticking to it, and being on track to pay down my debt! I ought to have my 0% interest credit card paid down by November, and after that I can debt snowball to pay off my car and a personal loan (taken out to handle more credit card debt) in no time. Very exciting times!
My biggest financial accomplishment was getting out of credit card debt is December 2011. I had around $3,000 in debt hanging over my head since I moved nearly three years before. I was laid off, then a job opportunity came up and I have to move quickly to take it and incurred more debt in the process. But I paid it off before Christmas and it was my present to myself. The financial security and peace I got from it was more than any gift could have done.
Since then my wife and I have over a thousand dollars in our emergency fund and have remained debt-free (other than student loans).
My biggest financial accomplishment would be to have eliminated all my debt, including my house. In 2010 I was able to pay off the mortgage (42 years of age) and remained debt free until this past month when I bought another home. Making extra payments, I should have this house paid for in 5 years while maintaining a 9 month emergency fund. I make $45k a year and live well within my means - my friends call me cheap, but I don't have a need for more than I already have. Happy that I am accomplishing my ultimate goal of having three paid rentals and living in another house by the time I retire - 20 years out yet.
I have a few accomplishments. The first is paying of not one, but two Payday Loan companies. I cannot begin to tell you how good I feel and have learned valuable lessons from that. I now have an Emergency Fund (TFSA) with $1,000.00 in it and feel like I'm on top of the world. I no longer pay bank fees because I moved my money to a new bank. All of my bills are completely up to date, gone are the late payment fees :)
The knowledge I've gained and how I feel is AMAZING!!
Graduating college with virtually no credit card debt. This may sound like a small accomplishment but it took focus and awareness to not fall into the trap that so many of my peers found themselves in after 4 plus years at the University.
The biggest financial achievement so far, is graduating from college with no student loans or debt. It certainly was not easy, but it makes all the difference now. Fortunately, my husband was also able to accomplish the same thing and we are now on the path to being completely debt free, including our mortgage.
Converting $15k in loans from family into the purchase of a pre-crash Cali townhouse; moving to the East and buying a small affordable home near DC, selling both in the peak of the market; paying off $60k in school loans and all credit cards; implementing a cash/debit only spending plan in the family; paying off early two cars and creating car savings accounts to collect what were previously car payment; paying half in cash for a second-hand replacement of our 10 yr old car; and now -- 10 years later -- being ahead about $400k counting retirement, equity, and cash savings. Greatest tools: Following the economic news closely, convincing spouse that debt-free is best, ignoring all pressure to live beyond means, and aggressively paying down debts.
This year I'm putting aside any savings from coupons, rebates, sales, etc. Should have been doing this for years. This builds up an emergency fund as well.
Honestly speaking, when the times turn out to be a little adverse, I feel very uncomfortable and get annoyed with everything around but after a few minutes, I feel that nothing is too large to surmount. I like it when I get this feeling and everything begins to look cool.
Wow, this is amazing! Thanks for the link so that we can keep this service forever! I love how it simplifies everything! I have a lot of debt I need to pay off, and I need all the help I can get! Thanks again!
Excellent post!
If my life insurance policy reached the premium offset date should I sign the premium offset payment arrangement or should I keep paying the annual premium to build up my cash reserve and grow my insurance through the purchase by dividend.
For now, the points you earn every week will be entered into a cash raffle. The next raffle will take place this Friday!
It should have picked up your overdraft line for your bank. You should be able to link your bills (just like you linked your checking accounts) to have the most accurate due date. We're actually pushing out some changes in the next 48 hours to allow you to modify your due dates. If you want to send me a quick email, I'll be sure to keep you in the loop. You can reach me at: kevin.yu[a][t]springcoin.com
I tweeted! https://twitter.com/#!/junethomemaker/status/187182334330683392
My biggest financial accomplishment so far is making a budget, sticking to it, and being on track to pay down my debt! I ought to have my 0% interest credit card paid down by November, and after that I can debt snowball to pay off my car and a personal loan (taken out to handle more credit card debt) in no time. Very exciting times!
Paying down large amounts of debt since 2010.
My biggest financial accomplishment was getting out of credit card debt is December 2011. I had around $3,000 in debt hanging over my head since I moved nearly three years before. I was laid off, then a job opportunity came up and I have to move quickly to take it and incurred more debt in the process. But I paid it off before Christmas and it was my present to myself. The financial security and peace I got from it was more than any gift could have done.
Since then my wife and I have over a thousand dollars in our emergency fund and have remained debt-free (other than student loans).
"I have a huge fish bowl full of condoms in my living room..."
Classy!!
Graduating from college and starting a business from scratch with the mortgage on the building as the only debt against it!
My biggest financial accomplishment is paying off my mortgage in 10 years!
My biggest financial accomplishment would be to have eliminated all my debt, including my house. In 2010 I was able to pay off the mortgage (42 years of age) and remained debt free until this past month when I bought another home. Making extra payments, I should have this house paid for in 5 years while maintaining a 9 month emergency fund. I make $45k a year and live well within my means - my friends call me cheap, but I don't have a need for more than I already have. Happy that I am accomplishing my ultimate goal of having three paid rentals and living in another house by the time I retire - 20 years out yet.
I liked WB on Facebook!!
I have a few accomplishments. The first is paying of not one, but two Payday Loan companies. I cannot begin to tell you how good I feel and have learned valuable lessons from that. I now have an Emergency Fund (TFSA) with $1,000.00 in it and feel like I'm on top of the world. I no longer pay bank fees because I moved my money to a new bank. All of my bills are completely up to date, gone are the late payment fees :)
The knowledge I've gained and how I feel is AMAZING!!
Paying off $8K in debt.
Graduating college with virtually no credit card debt. This may sound like a small accomplishment but it took focus and awareness to not fall into the trap that so many of my peers found themselves in after 4 plus years at the University.
The biggest financial achievement so far, is graduating from college with no student loans or debt. It certainly was not easy, but it makes all the difference now. Fortunately, my husband was also able to accomplish the same thing and we are now on the path to being completely debt free, including our mortgage.
Converting $15k in loans from family into the purchase of a pre-crash Cali townhouse; moving to the East and buying a small affordable home near DC, selling both in the peak of the market; paying off $60k in school loans and all credit cards; implementing a cash/debit only spending plan in the family; paying off early two cars and creating car savings accounts to collect what were previously car payment; paying half in cash for a second-hand replacement of our 10 yr old car; and now -- 10 years later -- being ahead about $400k counting retirement, equity, and cash savings. Greatest tools: Following the economic news closely, convincing spouse that debt-free is best, ignoring all pressure to live beyond means, and aggressively paying down debts.
They ask for your social security number. It is not smart to give that out to someone over the internet.
I follow on Facebook as Selene Montgomery
This year I'm putting aside any savings from coupons, rebates, sales, etc. Should have been doing this for years. This builds up an emergency fund as well.
Honestly speaking, when the times turn out to be a little adverse, I feel very uncomfortable and get annoyed with everything around but after a few minutes, I feel that nothing is too large to surmount. I like it when I get this feeling and everything begins to look cool.
Roaches don't like the smell of vinegar. So wipe your counters down after you do dishes!
Love the recipes, but how many oz is a package of lentils? I buy mine in bulk.
Wow, this is amazing! Thanks for the link so that we can keep this service forever! I love how it simplifies everything! I have a lot of debt I need to pay off, and I need all the help I can get! Thanks again!
Excellent post!
If my life insurance policy reached the premium offset date should I sign the premium offset payment arrangement or should I keep paying the annual premium to build up my cash reserve and grow my insurance through the purchase by dividend.
Funny how one of the ones on your list, is one I just blogged about (albeit, at a personal and smaller sample size): Water.
I try to get that for free when it comes to drinks, wherever I go.
Beats the cost of $2+ for a soda at a restaurant, every single time. Those savings just add up!
Hi April,
For now, the points you earn every week will be entered into a cash raffle. The next raffle will take place this Friday!
It should have picked up your overdraft line for your bank. You should be able to link your bills (just like you linked your checking accounts) to have the most accurate due date. We're actually pushing out some changes in the next 48 hours to allow you to modify your due dates. If you want to send me a quick email, I'll be sure to keep you in the loop. You can reach me at: kevin.yu[a][t]springcoin.com
Thanks again for your awesome feedback!
"Liked" on FaceBook. Thank you!