SUCCESS! So proud today! I am out of debt! | |
Serenity Now
User ID: 15871874 Italy 03/22/2023 10:26 AM Report Abusive Post Report Copyright Violation | |
A Jackson
User ID: 78501975 United States 03/22/2023 10:59 AM Report Abusive Post Report Copyright Violation | I just retired last December, and I'm pinching pennies now. Quoting: Anonymous Coward 72675559 I've been divorced twice, and the most debt I had was from student loans, which I paid off in under a year. Of course there was also the house mortgage. Before retiring, I down sized my appliances. I now use a dorm room fridge, and a 40 gallon hot water tank. I had a tiny freezer from years ago, only about 1 1/2 cubic feet. It runs on 12v DC and 120v AC, and has a compressor. The old compressors last forever, unlike the new ones. I keep my frozen meats in it, mostly chicken and fish. I live in the 3 bed/2 bath by myself, and only heat the bedroom, and the rest of the house I heat with a wood stove occasionally. If I'm careful I can get my electric bill down under $50. I do have a killer stereo, and a couple of big screen TVs, but I never use them. All I ever really use is my laptop. I have a couple of nice vehicles, and I've giving one to my niece as a college graduation gift. Wow, that’s some serious penny pinching. I’m inspired. I think I would heat the living area and get a down comforter or two for the bedroom. I’d worry about pipes freezing too. I have geothermal, which I highly recommend. The only time heat gets expensive is on those few nights it gets below zero and the electric comes on. I have four stereos (one surround), it’s a hobby. I lave loudspeakers everywhere. I’m currently building a class A amplifier, it will put out 100 watts of heat doing nothing. Not the most efficient design but it’s supposed to sound great. We’ll see. Smoke me a kipper, I’ll be back for breakfast. If you do not take an interest in the affairs of your government, then you are doomed to live under the rule of fools. — Plato “AI is kind of a fancy thing, first of all it’s two letters. It means artificial intelligence.” Kamala Harris VPOTUS |
Anonymous Coward User ID: 49598504 United States 03/22/2023 11:12 AM Report Abusive Post Report Copyright Violation | |
Pistis Sophia of the 13th Aeon
User ID: 80472187 United States 03/22/2023 11:38 PM Report Abusive Post Report Copyright Violation | |
Lily o' the Valley
User ID: 85479980 United States 03/23/2023 01:18 AM Report Abusive Post Report Copyright Violation | My nortgage is almost paid off, and I am looking forward to that good feeling you describe. I have a small ampunt of CC debt which I have also reduced. It has been not so easy to pay down the debt since my husband passed away, but if you keep at it, you can make a difference and finally be totally free. Quoting: Lily o' the Valley Go for it, anybody who hasn't started yet. Pay your bills early each month, and pay more, even if it is only a bit more, than the minimum.This is to reduce the interest, thus the amount you owe. If I come across unexpected money, like a refund, I have been putting it to debt rather than spending it, and that has helped too. Congratulations, AC! Good luck you guys! What an optimist. wbh A lot of people don't know this, and end up dribbling away $$ they could have kept. My husband and I did that and benefitted by doing it that way, and I learned that my brother and mother didn't and I almost wept when I learned that, so I think it's worth passing on. There is also a spiritual dimension to debt. And yes, I try to keep my thoughts on the brighter side. That old thing about Abraham Lincoln said people are just about as happy as they make up their minds to be... and I find that being pessimistic makes me feel down and being optimistic makes me feel more happy. But I tell you, brother, it's darned hard to find much to be optimistic some days. These are the times that try men's souls, and women's too. *** Good deeds bring rewards, bad actions bring troubles. That is a law of the universe. *** |
BRIEF
User ID: 79662918 United States 03/23/2023 08:08 PM Report Abusive Post Report Copyright Violation | My nortgage is almost paid off, and I am looking forward to that good feeling you describe. I have a small ampunt of CC debt which I have also reduced. It has been not so easy to pay down the debt since my husband passed away, but if you keep at it, you can make a difference and finally be totally free. Quoting: Lily o' the Valley Go for it, anybody who hasn't started yet. Pay your bills early each month, and pay more, even if it is only a bit more, than the minimum.This is to reduce the interest, thus the amount you owe. If I come across unexpected money, like a refund, I have been putting it to debt rather than spending it, and that has helped too. Congratulations, AC! Good luck you guys! What an optimist. wbh A lot of people don't know this, and end up dribbling away $$ they could have kept. My husband and I did that and benefitted by doing it that way, and I learned that my brother and mother didn't and I almost wept when I learned that, so I think it's worth passing on. There is also a spiritual dimension to debt. And yes, I try to keep my thoughts on the brighter side. That old thing about Abraham Lincoln said people are just about as happy as they make up their minds to be... and I find that being pessimistic makes me feel down and being optimistic makes me feel more happy. But I tell you, brother, it's darned hard to find much to be optimistic some days. These are the times that try men's souls, and women's too. Learn the difference between happiness and fun, always do what you feel is right, and don't be afraid to say no... I never forgive and I never forget I am a licensed firearm holder. I will, under protection of law, use lethal force if attacked. |
Anonymous Coward User ID: 84300934 03/23/2023 10:45 PM Report Abusive Post Report Copyright Violation | |