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Paid off credit cards!!

Discussion in 'Off-Topic Discussion' started by schwegs89, Feb 18, 2012.

  1. Feb 18, 2012 at 10:55 AM
    #1
    schwegs89

    schwegs89 [OP] Well-Known Member

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    Adam
    Vineland, New Jersey
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    Hey guys anyone just pay off their debt and feel amazing? I just paid off all of my credit card and chopped all but one up!! Got myself in a hole the past 2 years and I'm only 21 but now I'm debt free. All I have is my new 2012 Tacoma my insurance for it (only 100 a month full coverage gotta love USAA) and my phone bill!! Started up a savings with my fiance and in 3 years I'll have my BA and were buying a house!! Man it feels so good to be debt free. I will never rack up credit card debt again!!! So has anyone in here paid off there CC and feel amazing?!
     
  2. Feb 18, 2012 at 11:20 AM
    #2
    The Driver

    The Driver Trail Runner/Barefoot Beach Runner/Snow Skier

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    Lakewood (Green Mountain), CO. I'm from Tampa. I
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    Aftermarket tranny cooler, 5100 Series Bilsteins, Class 3 Hitch.
    Congrats, excellent achievement!

    After been unemployed for 27 months, I have already been employed for 16. I'm on my way! ;)
     
  3. Feb 18, 2012 at 11:23 AM
    #3
    Jester243

    Jester243 ( ͡° ͜ʖ ͡°)

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    Congrats, now comes the hard part, staying debt free. :thumbsup:
     
  4. Feb 18, 2012 at 11:29 AM
    #4
    Hot Tamale

    Hot Tamale Well-Known Member

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    Congratulations!
     
  5. Feb 18, 2012 at 11:30 AM
    #5
    11TRD

    11TRD Soon to be west coast

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    Congrats man! I hope to be there soon!
     
  6. Feb 18, 2012 at 11:34 AM
    #6
    01TacoBuz

    01TacoBuz Well-Known Member

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    Grats, it is a good feeling for sure
    I paid mine off 18 years ago and never want to see another one
     
  7. Feb 18, 2012 at 3:46 PM
    #7
    schwegs89

    schwegs89 [OP] Well-Known Member

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    Adam
    Vineland, New Jersey
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    Thanks guys!!! Yea it was hard staying strapped to pay them off but I hardly went out and drank with my buddies and saved on minor things and I was able to do it now I can go out once and a while and not worry about anything. In 3 years my fiance will have her BA in nursing and has a job set up for her already making 70k and I'm in the guard so with that my school is free and hopefully I'll become a local police officer by next Jan and we can have a good life I explained we do not need top of the line cars or a huge house I love ranchers and a nice rancher with a finished basement and 10 acres of land is my dream house which can be achieved with our income and we can afford 2 children and live very comfortable. A great documentary is called Maxed Out makes me never want to get or use another credit card or fall into bank schemes on refinancing houses and etc. I think for 21 yo I have a good head on my shoulders and know for darn sure I'm the most mature out of my friends. I love them but all they do is drink or smoke every night n day all I want is to work, school, gym, call of duty ;), and relax lol. You guys are great and this forum is great we can relate to each other and be helpful to one another also!
     
  8. Feb 18, 2012 at 3:50 PM
    #8
    acmair

    acmair Well-Known Member

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    Congrats dude! I just activated my first cc a few days ago lol :rolleyes:

    And thank you for your service :)
     
  9. Feb 18, 2012 at 3:50 PM
    #9
    jtav2002

    jtav2002 Kenny Fuckin Powers

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    Congrats and good luck staying debt free. Doesn't take much to dig yourself a hole.
     
  10. Feb 18, 2012 at 4:00 PM
    #10
    wildjerseyfirefighter

    wildjerseyfirefighter I sell fishing and fishing accessories

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    I paid mine off after a long battle..I keep them all paid off, try to keep the one under $500, and I'll pay it off every month..It usually dosent get above $200 tho. I'm trying to save more tho, unsure of where my job will be in a few years..I'm trying to use my debit card for everything right now, dont really have any big purchases comming up, so I dont feel guilty spending 30$ lol.
     
  11. Feb 18, 2012 at 4:11 PM
    #11
    Superx2

    Superx2 Well-Known Member

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    congrats! i myself do not have anymore credit cards, nor do i want any. when i was younger 19 or 20 i had one that i wasnt responsible to have. got it all paid off and now i am in debt by only a few loans.

    damb good feeling getting shit paid off! you better go celibrate tonight... :cheers: to ya!
     
  12. Feb 18, 2012 at 4:16 PM
    #12
    Mitch

    Mitch Somebody call for a Wambulance?

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    Congrats. I religously pay mine off every month. My dad always told me to never buy anything I couldn't afford right now. So that's what I live by
     
  13. Feb 18, 2012 at 4:22 PM
    #13
    davidpick

    davidpick Well-Known Member

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    congrats man! that is an excellent feeling! keep on top of it and budget some money for truck mods! :thumbsup:
     
  14. Feb 18, 2012 at 4:50 PM
    #14
    elmo7

    elmo7 Easily Replaceable Member

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    Awesome OP! That cc interest rate will rob you all the way to the poor house. Banks love minimum payments. Being debt free is great!
     
  15. Feb 18, 2012 at 4:52 PM
    #15
    elmo7

    elmo7 Easily Replaceable Member

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    Same here. I have my two credit cards on full draft, so they pull the money for the entire bill each month. That keeps me in check. No interest, no annual fee. I get cash back bonus on each, so they pay me to use them!
     
  16. Feb 18, 2012 at 5:08 PM
    #16
    bethes

    bethes Señorita Member

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    Congratulations! That's a great feeling.

    My parents always told me to treat a cc purchase like any other, if I didn't have the money to pay for it I shouldn't buy it. Totally ignored that, and I'm paying for it now. But little by little I'm getting it done. I'm up for a promotion at work in the next couple months, and I think I'll put the raise nearly exclusively toward credit cards. And then... Student loans. Lol it might never end.
     
  17. Feb 18, 2012 at 5:29 PM
    #17
    1bad10tacoma

    1bad10tacoma Well-Known Member

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    tonneau,tailgate lock, OEM cruise, Int. wiper, , mud flap mod,weatertech's,fj rims
    Paid mine off about 6 months ago.I owe $150 on one now but i have that in my pocket right now. Its a good feeling.
     
  18. Feb 18, 2012 at 7:29 PM
    #18
    isu2014

    isu2014 RAT Products

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    View the build. Too much to list.
    Screw credit cards. I'm never gonna buy things I can't afford to pay cash with. I'll sell an eyeball to nigeria first.
     
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