You all are overwhelming me with your amazing comments of congrats! Thank you SO MUCH!! We still have a way's to go to be completely out of debt, but having this baby step DONE feels amazing!!

Forgive me for the caps, but I do believe this is one thing to CELEBRATE!!!!

I was going to wait to post this later this week, but I can't stand it. I just paid the final balance on our consumer debt. Our DEBT is GONE!!!! You can watch the vlog to see my excitement (btw, I can't stand myself on video but I wanted you to see the face behind the screen for this announcement).

As many of you know this is one of our personal goals for this year. The goal was to have it gone by March 1. Well, what is today?? You know it, a day early even!

As mentioned in the video, I will share a series of posts about our financial history. There is so much I need to write, but I think looking as far back as possible helps me understand why some of the behaviors I have are the way they are. Look for that over the next couple weeks.

For now, that's all I have for ya. I'm excited you would NOT believe!!

Oh, and for the record, apparently the Memo section in online banking doesn't like exclamation points. I tried to enter 5 of 'em as I put “Paid OFF!!!!!” but it wouldn't let me! I know I love the exclamation point, but seriously bankers there are times when that form of punctuation is really necessary :)

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  1. YAY!! I’m so excited for you guys. What an awesome accomplishment and a great feeling. :-)

  2. Melissa Klug says:

    We have the same goal–and I have three big payments to make tomorrow thanks to 2009 bonuses. I will be almost as excited as you, although not quite, since I’ll still have one card left. :) CONGRATS to you guys!

  3. Yay! Congratulations! It feels great to keep more of your money in your own pocket or savings account :-P


  4. Congratulations!!!!! You and your husband should be so proud and excited with this achievement! The best of things are ahead of you! Keep working toward all your new goals! (Note: all exclamation points are for you!!)

  5. Congratulations. What a wonderful accomplishment. What a wonderful example you are to people wanting to get out of debt. Again, congrats.

  6. I don’t usually write this, but this deserves a Woot Woot! :) Congratulations! BTW, you look hawt! That’s right, another word I don’t usually say came out thanks to you!

    Erin :)

  7. Way to go!! I’m looking forward to hearing the rest!

  8. Congratulations!!!!! (some exclamation points for ya!)
    Enjoy the peace that comes from being debt free-it is nice!

  9. HUGE CONGRATULATIONS, beautiful woman! Serious. Serious. Accomplishment.

    So fun to see your sweet face and hear your voice too!


    Can’t wait to read more of your story.

  10. WAHOO!!!!!!!! YOU’RE DEBT FREEEEEEEEEEEEEEEE!!!!!!!!!! I’m so proud of you!!!!

  11. That is so fantastic for you and your family! Congratulations!!!!!

  12. YIPPIEEE!!!!!!!!!!!!!!!!!!!!!!!!!!!! Yes, lots of exclamation points! I am so proud of you and excited with you! You do RAWK!

  13. WOOOHOOOO!!!! Are you gonna call Dave Ramsey?!!?! You must let us know if/when so we can all listen in and cheer!!

    I figured out the other day that we should be 100% debt free in about 12-14 years (we jus have the mortgage), it is SO exciting!!

  14. Congrats!!!! Way to go, what an awesome accomplishment. What a feeling of relief it must be. I’m hoping to feel that one day myself.

  15. Yay! Great news! Can’t wait to see your upcoming posts.

  16. Awesome! Isn’t it a wonderful feeling? We have no credit card debt, no car payments, no medical bills lurking, etc. The only bills we have other than normal monthly household bills are our mortgage and a home equity loan. My goal right now is to have that home equity loan paid off by August! It’s gutsy since the balance is around $9300 but I’m going to work hard to try to hit that goal! It will be exciting to only have a house payment and nothing else to worry about.

  17. Congratulations! That is the coolest thing I’ve read all day!!! (Or will read all day, I’m sure. It’s only 6 a.m., but that’s pretty awesome.

  18. You go girl!!!!!!! I would love to achieve this goal I feel like we are drownding in dept. You are an inspiration to us all!! You must feel like a weight has been lifted off of you. Credit cards, student loans four kids and one income, make this goal seem out of reach sometimes.

    Have a great day !!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!

  19. WAY TO GO! CONGRATULATIONS! My husband and I are currently working on the same thing. It will be awhile before we are out of our debt but glad to work on it now and not later in life! Thanks for sharing!

  20. Elizabeth says:

    Congratulations!!!!! Thanks for sharing the video. I follow your blog all of the time, but it is good to see you. Please know that you have been a huge blessing to my family. Again, congrats!!!!!

  21. Congratulations! What an awesome accomplishment and definitely something to shout from the rooftops! My husband and I have similar goals and are on a mission to be debt free. I know we still have a couple of years left but within the last year have made considerable strides towards reaching our goal. It feels good to be making progress. I hope to be your shoes one day soon! Congrats again!!!!!!!!!!!!!!!!!

  22. CONGRATULATIONS!!!!! I’m so happy for you and your family! Thank you for everything you do to help us lower our grocery bills. :)

  23. Andrea – LOVE IT! Thanks for your inspiration and site full of great girlfriend advice. (A personal favorite!)

    I love that girlfriends celebrate this wonderful ‘stuff’ together so thanks for sharing the vlog and your story so we can all celebrate with you!

    Rock on savings sista! Debba / Girlfriendology

  24. AWESOME! Congrats. That is so exciting and admirable!

  25. Congratulations!!!!!! If you’re going to call in for a debt free scream let us know when! We’re about 3-ish years away from debt free but we’re working hard!

  26. That’s so Awesome!! What a great feeling to be debt free!!

  27. You know how thrilled I am, dear one. Love you. Am soooo happy that the debt is gone! What a great feeling!

  28. You are a true blessing to me. I am amazed of you determination and dedication to your family and your career. God has blessed you beyond measure. Thanks for all you do!

  29. First of all, you’re adorable on video – don’t be a hater!! Second, I SO needed this inspiration right now as we are getting discouraged in our pursuit of the same. I look forward to your future posts about this!!

  30. Ginger S. says:

    A-W-E-S-O-M-E…AWESOME…AWESOME…TOTALLY!!!!! lol All kidding aside, Im so proud and happy for you guys! Love Youuuuu!

    Oh and can you redo that video but this time when you say “Vlooooger” put your pinky by the corner of your mouth ( Austin Powers-minnie me).hehehe

  31. Oh I m so happy for you!!! We too are on the journey of living like no one else right now & hope to get where you are SOON! Thanks for the inspiration!

  32. Congrats Andrea!!! Thank you so much for your awesome blog–not just for all the deals that you post, but for the encouragement as well. There’s no doubt in my mind that God has big blessings planned for you!!

  33. WAHOO!!! Congrats!!! We, too, just paid off a HUGE debt – just hubbie’s school loans to go!

  34. CONGRATULATIONS!!! That definitely requires caps and exclamations!! You must feel a huge weight off your shoulders. That is wonderful and I am happy for you.

  35. fantastic!

    i’ve BTDT and i know how great it feels but then some major issue will come along with no other way to pay for it but by pulling out the CC again. argh. so here, i am working on paying it down again while at the same time trying to keep every other thing going and hoping that nothing else major breaks down.

  36. Congratulations Andrea!

  37. Amanda Y. says:

    You look great! You did a great job! :-)

  38. Congrats………Isn’t Dave wonderful, As are you for helping so many people learn to tackle their debt. It is a wonderful feeling to be out of debt. I am out of debt and my daughter about your age has learned this wonderful feeling as well. Congratulations again. It is a great thing. God Bless.
    Love your post. Thanks for all you do.

  39. Congratulations, Andrea!
    We too are really close to getting out of debt. I just know how much better I’ll sleep at night knowing that it’s gone. Sleep well tonight.

  40. WOW – CONGRATULATIONS!!!!! I used all those exclamation points on purpose just for you :) That is a monumental accomplishment and you should be super proud of yourself and your family. Thanks for being such amazing inspiration!


  41. Congrats that is so wonderful. I look forward to reading the upcoming series. :)

  42. Stephanie says:

    Congratulations!!! That is AWESOME!!!!!!! :0)

  43. Congratulations to your whole family and way to go on a great job!!!!! <—5 !s ;)

  44. Congratulations, Andrea! I was so thrilled last year when we paid off our non-mortgage debt, and so I know exactly how you feel – it is a HUGE accomplishment, and I hope you celebrate (frugally of course)! And I love seeing you, you are so sweet! Also, I love exclamation points too – obviously :)

  45. Great job!

    We did the same thing in October. It is AMAZING the difference it has made in our monthly budget, and we are in so much of a better place.

    Keep going now and start building up some wealth so you can bless others!

  46. SUPER!!!!!!!! You deserve to put those exclam pts when you reached your goal!!
    I’m so glad it feels so good. Congrats, and thanks for helping along the way.

  47. Debbie Lee says:

    YIPPEE!!! YAHOOOOO!!!! CONGRATULATIONS!!! I hope that one day my hubby & I can say those same words!! But, for now…. HURRRAAYYYY for you and your family!!!!

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