tag:blogger.com,1999:blog-30362609.post211292038558816131..comments2024-01-04T07:29:44.299-06:00Comments on Freckled Nest: How I Paid off my DebtLeigh-Annhttp://www.blogger.com/profile/17056338168387141738noreply@blogger.comBlogger64125tag:blogger.com,1999:blog-30362609.post-33372029930094375012011-04-26T18:54:04.505-05:002011-04-26T18:54:04.505-05:00Leigh-Ann...long, long, long time reader...first t...Leigh-Ann...long, long, long time reader...first time commenter! This post has inspired me since you first posted it last year. I've thought about it (and the Gaga money....)for the past year and have finally been taking little steps over the past couple of months to get things cleaned up. I've finally come up with a game plan for cleaning up my credit cards, the student loan and the last bit of my car! <br /><br />Thank you! <3<br />Dan<br /><br />http://www.danmitchellstyle.blogspot.comDanhttps://www.blogger.com/profile/09534609409955429971noreply@blogger.comtag:blogger.com,1999:blog-30362609.post-63403100470210913262010-06-30T14:03:00.749-05:002010-06-30T14:03:00.749-05:00Hi! I'm a lurker de-lurking to make a very odd...Hi! I'm a lurker de-lurking to make a very odd proposal.<br /><br />My friend Colleen Holloway is an Account Executive at Mars Hill Group/BCG (local ad agency). She just put a call-out on fb seeking a professional woman who is currently in our recently got out of $10k+ of credit card debt to use as a model case for their client, The Manitoba Securities Commission. I thought about how proud you were to share your newfound freedom and how interested your readers were, and I'm wondering if you'd be interested in getting in contact with them.<br /><br />My e-mail is annynews [a] gmail.com.Annyhttp://liveoutloudwinnipeg.tumblr.comnoreply@blogger.comtag:blogger.com,1999:blog-30362609.post-90490207527798211002010-04-12T03:33:24.649-05:002010-04-12T03:33:24.649-05:00I just came across this looking at your blog and o...I just came across this looking at your blog and old posts for the first time, and it made me so happy! My dad just finished teaching a class on finances, and I've grown up with teaching from him and being told and shown how he and my mom use money and plan and steward it well. So I'm really blessed with this (but am still one of the worst in our family at actually doing it) and have never been in a position of debt. <br /> But I think it's so sad that debt is never talked about, and even more sad that saving is never mentioned or praised! I so appreciated that you talked about it. It's kind of a generation of debt and bad stewardship, and if it were addressed more (or shared more) maybe that would improve!<br />Congratulations!<br /><br />love;<br />CaitCait https://www.blogger.com/profile/13978265743415465731noreply@blogger.comtag:blogger.com,1999:blog-30362609.post-55618605894601388472010-04-05T03:28:36.449-05:002010-04-05T03:28:36.449-05:00Congratulations! I never had to pay off a debt but...Congratulations! I never had to pay off a debt but dont have no big savings either, so i keep your tips on my mind :)Sallyhttps://www.blogger.com/profile/14542269978837354829noreply@blogger.comtag:blogger.com,1999:blog-30362609.post-6189342217367399882010-04-03T16:08:25.512-05:002010-04-03T16:08:25.512-05:00I've been SO totally inspired by this since yo...I've been SO totally inspired by this since you posted it!!! ***and NOW im gonna do it too!<br /><br />XOooo!!!tiffany.https://www.blogger.com/profile/00391176324877754249noreply@blogger.comtag:blogger.com,1999:blog-30362609.post-66693930018697719562010-04-01T15:08:32.892-05:002010-04-01T15:08:32.892-05:00That is sooooo awsome!! My hubbs & I have rec...That is sooooo awsome!! My hubbs & I have recently come to grips with our own debt & are working toward paying it all off. I love that I finally feel in control of our money!letter A studiohttps://www.blogger.com/profile/14084312458531353795noreply@blogger.comtag:blogger.com,1999:blog-30362609.post-82854464100056778552010-03-30T11:48:05.155-05:002010-03-30T11:48:05.155-05:00thanks so much for sharing your story. :) you are ...thanks so much for sharing your story. :) you are such a generous soul, and your blog really reflects that. thank you again and looking forward to future posts! :)Anonymousnoreply@blogger.comtag:blogger.com,1999:blog-30362609.post-38868351003237849932010-03-29T01:41:47.131-05:002010-03-29T01:41:47.131-05:00Congratulations LA!! This is SO my goal for this ...Congratulations LA!! This is SO my goal for this year and it's really encouraging to know it's possible!! Thank you for sharing :-)Larahttps://www.blogger.com/profile/14597828345239516721noreply@blogger.comtag:blogger.com,1999:blog-30362609.post-86532734515578666282010-03-26T09:03:46.548-05:002010-03-26T09:03:46.548-05:00I'm a big fan of step 9.
I've paid off tw...I'm a big fan of step 9.<br /><br />I've paid off two of my credit cards in the past 5 months, without even realizing it. So I was sooo happy when I went to look at the due date and realized I had no more payments to make!Jennhttps://www.blogger.com/profile/04401679071099669470noreply@blogger.comtag:blogger.com,1999:blog-30362609.post-72268270855377327852010-03-25T14:49:56.741-05:002010-03-25T14:49:56.741-05:00Wow, you are a great inspiration!
My husband an...Wow, you are a great inspiration! <br /> <br />My husband and I have gotten out of credit card debt and now we are working on those student loans...<br /><br />My husband MADE me read The Wealthy Barber. It made finances like a game for me. I don't want to spend-- I want to save first, then pay myself for spending. Spending is so much better when I've saved for something I really want!Lily Mayhttps://www.blogger.com/profile/15182286135178708247noreply@blogger.comtag:blogger.com,1999:blog-30362609.post-11194625093951722992010-03-25T12:11:23.239-05:002010-03-25T12:11:23.239-05:00Way to go!!! I hate that people are so weird abou...Way to go!!! I hate that people are so weird about talking about debt, so you feel like you're the only one, when really if we had more support and people to spur us on, it would be a lot easier to say "no I can't eat out because I need to put this money towards debt" so thanks for posting about this. thats a huge step!! I'm hoping to have my student loans paid off by tax time next year. It's really inspiring to see other people work hard, sacrifice, and to have a little reassurance that its worth it in the end. :-) <br /><br />~KKristenhttps://www.blogger.com/profile/04831124523748015119noreply@blogger.comtag:blogger.com,1999:blog-30362609.post-53532337005073024052010-03-25T10:21:36.359-05:002010-03-25T10:21:36.359-05:00Dave Ramsey has a really great no-debt plan called...Dave Ramsey has a really great no-debt plan called the Total Money Makeover. My husband and I have used this program and it's amazing. <br /><br />With his plan, you don't need a credit card. He teaches you to save up an emergency fun, pay off your debt (very similar to how you did it, Leigh-Ann), and then save about 6 months of expenses in cash.<br /><br />I speak from experience on this -- it's amazing.<br /><br />I also have my own business and never once have I put ANYTHING on credit. Just me and my debit card, here. I encourage all of you to not use a credit card, ever.<br /><br />If we can be diligent in saving, as Leigh-Ann has so successfully done, then we don't need a credit card. Credit is bad. There is never a positive thing about it.<br /><br />Dave Ramsey insists the only credit you have out there is a mortgage, but that you work hard to pay it off in 10-15 years to avoid all that interest.<br /><br />Credit card (and all debt) is a prison.<br /><br />Cash is freedom.<br /><br />xo :]Gussy Sewshttps://www.blogger.com/profile/14338132607881741246noreply@blogger.comtag:blogger.com,1999:blog-30362609.post-91136023964218241842010-03-25T06:06:18.999-05:002010-03-25T06:06:18.999-05:00I'll never have a credit card, i think they...I'll never have a credit card, i think they're evil :( but like you said, unfortunately a lot of websites only accept credit cards which can make buying supplies tricky :/Anonymousnoreply@blogger.comtag:blogger.com,1999:blog-30362609.post-68279235064885420372010-03-24T21:01:51.762-05:002010-03-24T21:01:51.762-05:00Good for you, Ms. IndieBiz Teacher!!
I'm so p...Good for you, Ms. IndieBiz Teacher!!<br /><br />I'm so proud of you and am totally green with envy. My income from my indie biz is going straight to our one credit card. Thank God, we only have one! I'm highly motivated to succeed in my business, in order to get rid of this debt. Then my husband & I will be in a better position to help our son with some college expenses.<br /><br />Congratulations on your success!!!<br /><br />CathyCathy Rodgershttps://www.blogger.com/profile/00324102124889425796noreply@blogger.comtag:blogger.com,1999:blog-30362609.post-59310563130244884872010-03-24T15:39:32.448-05:002010-03-24T15:39:32.448-05:00Congrat's LA! And thanks for the tips, poor mo...Congrat's LA! And thanks for the tips, poor money management is definately my biggest flaw!Curlywiggleshttps://www.blogger.com/profile/11938150181859187264noreply@blogger.comtag:blogger.com,1999:blog-30362609.post-81190915564888187402010-03-24T15:05:18.049-05:002010-03-24T15:05:18.049-05:00this is a great post, i'm only nineteen and in...this is a great post, i'm only nineteen and in quite a few thousand pounds worth of debt that i'm currently trying to pay off!<br /><br />xo.Anonymousnoreply@blogger.comtag:blogger.com,1999:blog-30362609.post-14217356095968355132010-03-24T14:19:51.501-05:002010-03-24T14:19:51.501-05:00That's great advice LA! Thanks so much for sh...That's great advice LA! Thanks so much for sharing.<br /><br />Gillian - I think I'll check out the book. Sounds very interesting!thursdayhttps://www.blogger.com/profile/10320112698574931498noreply@blogger.comtag:blogger.com,1999:blog-30362609.post-48852949138214240652010-03-24T12:25:05.241-05:002010-03-24T12:25:05.241-05:00Congratulations, LA!!! Now getting off student loa...Congratulations, LA!!! Now getting off student loans will be a challenge...Jenniferhttps://www.blogger.com/profile/11654127296326400233noreply@blogger.comtag:blogger.com,1999:blog-30362609.post-23187892424736984742010-03-24T11:33:04.403-05:002010-03-24T11:33:04.403-05:00CONGRATULATIONS!!! Paying off $12k in debt is no e...CONGRATULATIONS!!! Paying off $12k in debt is no easy task, so MAJOR props to you for doing it! Thanks so much for sharing your tips with us. :)Kelleyhttps://www.blogger.com/profile/04125779342541236588noreply@blogger.comtag:blogger.com,1999:blog-30362609.post-40430832018723431932010-03-24T08:50:18.897-05:002010-03-24T08:50:18.897-05:00Amazing tips, thanks!!!Amazing tips, thanks!!!Anonymousnoreply@blogger.comtag:blogger.com,1999:blog-30362609.post-55923782647000585912010-03-24T08:34:56.365-05:002010-03-24T08:34:56.365-05:00Great post Leigh ann! My dad who works in the fina...Great post Leigh ann! My dad who works in the financial biz recently gave me a book called "Rich by Thirty" - sounds really cheesy but it's actually amazing and a super easy read - the girl who wrote it is in her 20s and came from a family who had a lot of money troubles so she became obsessed with how money worked - anyways she's been on oprah to talk about financial planning for young people and i'd highly recommend this book for anyone who wants to learn how to save or pay off debts effectively - she made a really great point that our generation is different than our parents in that we know that we don't need money to be happy but money is an important thing to live the life you want - and with access to credit cards and getting yourself into debt its easy to not have $ to do what you want when opportunities arise... anyways thats my rant but i highly recommend this book! ive shared it with 3 friends already!Gillian Kinghttps://www.blogger.com/profile/02623745869220839812noreply@blogger.comtag:blogger.com,1999:blog-30362609.post-2672357421816312662010-03-24T07:26:29.627-05:002010-03-24T07:26:29.627-05:00oh, you were 21 then, do you mind me asking how ol...oh, you were 21 then, do you mind me asking how old you are now? :)Barnicleshttps://www.blogger.com/profile/07630980569990135948noreply@blogger.comtag:blogger.com,1999:blog-30362609.post-324606980608034532010-03-24T06:33:19.500-05:002010-03-24T06:33:19.500-05:00thank you for sharing!
so inspiring!thank you for sharing!<br />so inspiring!Barnicleshttps://www.blogger.com/profile/07630980569990135948noreply@blogger.comtag:blogger.com,1999:blog-30362609.post-78083089799423244992010-03-24T05:23:05.275-05:002010-03-24T05:23:05.275-05:00This is such a great post! I have such bad debt an...This is such a great post! I have such bad debt and I have decided 2010 is the year to clear it! I set myself a goal from jan 1st to not buy any clothes for three months ( if you know me that is BIG deal! ) it is almost April 1st and I havnt bought anything new! I have also created a spreadsheet to record all my spending which has really helped me see where all my money is going! <br /><br />Good to know i'm not the only one! xoxo<br /><br />www.tigerlillyquinn.blogspot.comTigerlilly Quinnhttps://www.blogger.com/profile/13801149308851133886noreply@blogger.comtag:blogger.com,1999:blog-30362609.post-29677249266906303002010-03-24T01:12:48.996-05:002010-03-24T01:12:48.996-05:00getting out from under debt has been a bit of a ga...getting out from under debt has been a bit of a game for me too. it started with my dad telling me to put my first quarter of school on my credit cards, that he'd pay me back ASAP...which never happened. once I had those paid off i had a bad habit of buying with the intention of paying off the charge as soon as it posted to the card. It was a movie here, a cd there, a tank of gas for a friend, or merchandise from work (IKEA). Once I paid off the cards and got past the desire to spend money i didn't have, i needed to move, and to do so and keep my second job, i needed a car. i just paid off my car at the beginning of this month (three months early!) and was able to buy my long awaited DSLR (and i'll have that paid off next month! It's such an amazing feeling to reduce bills and be responsible with money! Wahoo!Anonymousnoreply@blogger.com