I am Debt Free!!

For the very first time in my adult life, I woke up on the morning of Friday April 9th with no consumer debt.

I have done it – I am now Debt Free!!!

I can’t describe to you how good it feels to say this! In 18 months, I have paid off €27,759.70. I have been very determined the last few months and made some changes to my budget which allowed me bring my debt freedom date forward by 7 months. This debt was spread across Credit Card(s), a Personal Loan and a Car Loan.

The feeling of freedom comes not only in knowing that I no longer owe money, but in knowing that I was able to achieve this – something I thought impossible and completely out of reach for me just over 18 months ago. I’ve done it on a single salary, while paying off all my usual bills, increasing my investments, building a solid rainy day fund, starting a business…while still maintaining a pretty nice lifestyle!

I stopped WASTING my money and started WATCHING my money instead. More to come on a summary of what I did to reach this goal and my future plans etc. But for now I shall revel in this achievement.

I won’t do the usual Irish modest take on it – instead I will say that I am really darn proud of myself and look to the future with JOY. And finish off by saying, with all the honesty in my heart – if I can do this, YOU can too!

Leave a Reply