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So. for the first time in 22 years I'm debt free. I paid off Credit cards, student loans and a car loan Still have a mortgage so technically not debt free. It took an near life threatening injury to alter how I looked at finances. While recovering, I happen to browse these forums and 4 years ago I went to work to correct my financial status. First, I divided 15k in CC debt between 2 of my DW no interest CCs. Next I paid of my car in 2 years. Last, I paid off my student loan debt that was over 100k. It was not easy and there were minor setbacks but we persevered. Some things I would do differently at an early age? Take a personal finance course in college. I think it should be a requirement at a university. Attend a state or public university. I went to a private college and the juice is not worth the squeeze if one's majors in a non tech or science( as I did). Maximize your 401k matching fund and start a business. That is what Ive learned in the 4 years. Thanks to everyone for the great advice given.
Congrats on paying down your debts, great job !! Glad that you're in a much better place now financially and hopefully credit / FICO as well.
I also wish that I had learned more of what I know now when I was younger, it would have saved me a lot of headache, money and credit problems. But still thankful that I've worked through it, maybe I ended up learning more by going through all of those difficulties?
Weu weu! Debt free! Do the dance...you earned it.
Take steps to stay debt free & to save up for purchases.
Congrats on being debt free!
Hindsight is always 20/20... But having made the mistakes and learned from them is far more effective than learning the concepts at a young age (although not necessarily recommended, hah).
@Gmoney144 wrote:So. for the first time in 22 years I'm debt free. I paid off Credit cards, student loans and a car loan Still have a mortgage so technically not debt free. It took an near life threatening injury to alter how I looked at finances. While recovering, I happen to browse these forums and 4 years ago I went to work to correct my financial status. First, I divided 15k in CC debt between 2 of my DW no interest CCs. Next I paid of my car in 2 years. Last, I paid off my student loan debt that was over 100k. It was not easy and there were minor setbacks but we persevered. Some things I would do differently at an early age? Take a personal finance course in college. I think it should be a requirement at a university. Attend a state or public university. I went to a private college and the juice is not worth the squeeze if one's majors in a non tech or science( as I did). Maximize your 401k matching fund and start a business. That is what Ive learned in the 4 years. Thanks to everyone for the great advice given.
Congrats on being debt free. Not an easy accomplishment, but you did it!
Congrats on your accomplishments! I agree that financial education classes should be offered to young people. My daughter's high school requires 10th graders to take a semester of financial literacy and a semester of entrepreneurship. I wish I would have had something like that when I was a teen!
Congrats on being debt free . . . that's awesome and I totally agree . . . Maximize your 401k matching fund and start a business.
Thats awesome! Congrats! Its rare but you earned it..................
@DesertWanderer wrote:Congrats on your accomplishments! I agree that financial education classes should be offered to young people. My daughter's high school requires 10th graders to take a semester of financial literacy and a semester of entrepreneurship. I wish I would have had something like that when I was a teen!
Grats on your huge accomplishment 👏!!
No doubt @DesertWanderer that financial literacy is something being sadly left out of most school curriculums.
My kids hated how hard I drilled them down into money management and credit. This all so they didn't hit the pitfalls I did. Now they are tickled with daddy with their 800 scores and nice availability at mid-late 20s.
MyFico should be required reading for like 40hrs lol.
Grats again OP!
CONGRATS!!!!!