Celebrating! Less than 10k in total debt

[Radiance]

I don't really consider car loans the same caliber of debt (I'll probably always have one because I need a reliable car for work/commute) as credit cards and non-secured debt.

Hi, I have been scold before for saying that

But in reality, if I don't prepay, I will be done in 2 years with that loan when my car is 6 years old. At that point I could save to buy my next car in cash or perhaps take a small loan. I like the cars that are in the 20k range...
Most likely I will buy civic again.

Many here advocate for used cars, but I am not yet convinced. Since I dont need one right now I am not losing too much sleep over that

[BlackDiamond]

Congrats!

I don't really consider car loans the same caliber of debt (I'll probably always have one because I need a reliable car for work/commute) as credit cards and non-secured debt.

[Radiance]

ok, remember I come from years of irresponsible spending...
So there are 12k on a 401 k and 1500 of EF, that is it.
No house to my name, I am renting.

oh, and I'll be 40 this year... ladies usually don't admit to that, but, what the heck, in the name of honesty.

But, I find a reason to celebrate, this month my whole debt has gone right under 10k!!

A visa CC Last time used was Sep 2009 with a balance of $2290.06
A car loan for my Honda Civic 2006 with a balance of $7655.00

So my total debt in the whole world is: $9,945.06

I am going on a shopping spree!!!! Just kidding, this is buying me a lot of freedom and peace of mind.

I have a whole new set of beliefs and a nicely defined yet flexible budget that allows me to stay on track. And I have the support of this wonderful community which has been pivotal to my sucess! Thank you!!!