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  • rob62521
    replied
    Awesome!

    Leave a comment:


  • MotivateMe
    replied
    Congrats on the final step. I am sure the happy dance never felt so good...

    Leave a comment:


  • herdjohnson
    replied


    So... I got a little impatient

    Debt Free!

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  • MotivateMe
    replied
    Outstanding Job! Being new here, it is great to see the results...but also the support of the community. I want to walk in your footsteps on this one and clean up my own picture...

    Leave a comment:


  • myrdale
    replied
    I about fell out of my chair when I saw your chart because I worked up something very similar for my own personal situation a couple months ago. I can tell you first hand how nice it is to see those two curves intersect!!

    Congratulations and keep up the good work!!

    Leave a comment:


  • Nutria
    replied
    Originally posted by herdjohnson View Post
    Yes, this is all debt I married into
    I hope she's grateful..

    so I played the shell game with balance transfers there for a while
    Don't you love it when the bank gives you money?

    Anyway, congrats.

    Now start socking away for an EF then 20% mortgage down payment!!! (A Medical rainy day fund is also a darned good idea.)

    Leave a comment:


  • bjl584
    replied
    Originally posted by herdjohnson View Post
    Yes, this is all debt I married into, so I played the shell game with balance transfers there for a while until we whittled it all down. Those lump sums you see are usually my payoff before the 0% interest period expired. I've also made a few lump sum payments resulting from signing bonus and PTO payouts from changing jobs. That's where the debt had a large decrease without a corresponding decrease in savings.
    yes, I see where your debt dropped nearly 20K in a few months.

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  • herdjohnson
    replied
    Yes, this is all debt I married into, so I played the shell game with balance transfers there for a while until we whittled it all down. Those lump sums you see are usually my payoff before the 0% interest period expired. I've also made a few lump sum payments resulting from signing bonus and PTO payouts from changing jobs. That's where the debt had a large decrease without a corresponding decrease in savings.

    Leave a comment:


  • bjl584
    replied
    Looking at the chart, there are a few instances of your savings taking a dip in correlation with your debt going down. Did you make a few lump sum payments on things over the past couple years? Just curious.

    Leave a comment:


  • herdjohnson
    replied
    Originally posted by Leo View Post
    What did you use to get the chart? I'm interested.
    My budget is in Excel. It's just a standard excel chart.

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  • Leo
    replied
    What did you use to get the chart? I'm interested.

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  • TheKayla
    replied
    Awesome job! I should myself be debt free around age 28, I can't wait!

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  • Fishindude77
    replied
    Great job !
    Refreshing to see a few folks getting a true handle on their personal financial picture.

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  • bjl584
    replied
    Crossed over to positive net worth I see. Good job and keep at it.

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  • herdjohnson
    replied
    Originally posted by scfr View Post
    Ah - then this means your net worth is likely higher than what your chart reflects. I know you are focused on debt payoff right now, but once that beast has been slayed you may want to start focusing on net worth (which would include retirement savings plus any other assets you acquire such as a home). Nice work!
    Will do! Can't wait to start focusing on the positives instead of the negatives, so to speak

    Leave a comment:

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