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Home > Out of Credit Card Debt!!!!!!!!!!!!!!!!

Out of Credit Card Debt!!!!!!!!!!!!!!!!

February 13th, 2013 at 12:01 pm

It is official. The tax refund hit our account this morning. I just paid off the Chase VISA. We are officially OUT of credit card debt! After 10 years of being in it, and the last 7 of working very, very hard to pay it off, we have fired our last shot at the Evil Empire and we sunk their battleship.

And now it's time to start to upgrade our rickety picket fence (baby EF) into a wall of stone. I added $1000 to the EF, put $1000 into the MacBook Fund. The other $1903 I'm not sure what we are doing with yet, we're waiting until after vacation, so I transferred it to ING with the rest of it, just so it's out of our account and can't be frittered away.

The new EF amount is $2835.35. I am adjusting my goal of $1900 by the end of February to $2900.

And cue music...

I'm walking on sunshine, woo ooo,
I'm walking on sunshine, woo ooo,
I'm walking on sunshine, woo ooo,
And don't it feel good!

38 Responses to “Out of Credit Card Debt!!!!!!!!!!!!!!!!”

  1. starfishy Says:

    CONGRATULATIONS!!! I can hear your celebration clear across the country. woo-hoo! Smile

  2. Beawealthywarrior Says:


  3. ceejay74 Says:

    YES!!! Take that, Evil Empire! It's so surreal for ME this day has come; can't imagine how it must feel for you! Big Grin

  4. JulieA Says:


    I remember when we hit that day and I wondered why there weren't fireworks going off and a band playing or something? Maybe that'll happen when we payoff the mortgage.

  5. Tharagleb Says:

    Congratulations! I hope to be out of CC debt in about a year.

    WTG! Smile

  6. creditcardfree Says:

    Yipee!! I'm ~~~~happy dancin'~~~~ for you. Great job doing the really, really hard stuff for so long to make this happen. Wow. You are amazing.

  7. MonkeyMama Says:



  8. twest Says:

    That is so WONDERFUL. Congratulations! You have worked so hard there should be a band playing and fireworks going off! Smile

  9. Carolina Girl Says:

    Woot! So very excited for you.

  10. LuckyRobin Says:

    LOL, Well, I added some fireworks to the original post, because I agree! Thanks you guys. Your support these last almost seven years here has made all the difference.

  11. ceejay74 Says:

    Don't forget to update "about me" section of your sidebar!!

  12. MissAngel Says:

    Woohoo! Congratulations!!!!!!

  13. CB in the City Says:


  14. Bob B. Says:

    That is great. And, to have money left over that doesn't have to go to debt is even better.

  15. Foxie25 Says:

    how proud you must feel. And to be able to sit on extra money is just a plusssssssssssssss!!!!!!!!!!!!!!!!!!!!

  16. Looking Forward Says:

    I am so excited for you and echo all the other above comments. It is so awesome. Your journey has been so inspiring to read. **Happy Dance**

  17. mjrube94 Says:

    Congratulations! You must feel great!

  18. North Georgia Gal Says:

    WAY TO GO! I bet it feels awesome to defeat the evil empire!

  19. PNW Mom Says:

    Congratulations! High Five and doing the Happy Dance with you!

  20. scottish girl Says:


  21. Thrifty Ray Says:

    Now THATS reason to celebrate...YAYAYAYAYAYAYAY!!!!

  22. Petunia 100 Says:

    What a wonderful birthday present for yourself and your family! Congrats. Smile

  23. FrugalTexan75 Says:

    Yay! Big Grin

  24. patientsaver.com Says:

    ha ha ha....you go girl!!!

  25. scfr Says:

    What wonderful news! You will be pleasantly surprised at how quickly that stone wall is built and your financial fortress is strong.

  26. Tightwad Kitty Says:

    CONGRATULATIONS!!! If you are keeping your credit card then reduce the amounts to amount that can be paid off in six months max. but keep trying to pay in full each time it's used before the interest kick in each month.

    again CONGRATULATIONS!!! The Monkey is off your back!

  27. freeme journey Says:

    Fantabulous - now reward yourselves tonight and really enjoy the feeling - it's wonderful!!!!!!!!!!!!

  28. rachel021406 Says:

    How exciting! Way to go!

  29. wowitsawonderfullife Says:

    I am thrilled for you Robin. You did a fantastic job. CONGRATS! Celebrate!!!

  30. Caoineag Says:

    Congrats! That must be an immense sense of relief for you!

  31. librarylady Says:

    SOOOOO Happy for you!! That is huge!!! Congratulations and well done! Can't wait to be there with you!

  32. Ima saver Says:

    That is wonderful Robin! I am so happy for you!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!

  33. DayByDay Says:

    WooHoo! Congratulations!

  34. Early Retirement Joy Says:

    Congratulations!!! This is going to change your whole approach to life too. I'll predict the way your household handles money is going to be turned on it's head as you enjoy the power of living debt free from debt. :-)

  35. SavingsQueen Says:

    WOW!!!! CONGRATS TO YOU!! What a lot you have learned through this experience. You are now able to live a more stress-free American Dream!

  36. PRICEPLUS Says:

    It is a great feeling is it not? Congratulations! You are an inspiration! Keep up the good work!

  37. Baby_nurse Says:

    Wow!!! I am impressed. Hopefully I will be able to join you in the credit card free club some day soon.

  38. LuckyRobin Says:

    Again, thanks everyone. Your congratulations mean a lot.

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