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Truly debt-free now

January 28th, 2013 at 12:05 pm

Snow started falling hours before it was predicted, but I managed to get out early and run a few errands before it really got going anyway.

I went to town hall to pay off the rest of my sewer loan. It came to about $2,900, and I just decided to take it out of checking. Now my checking account balance is down to about $1,400, which is uncomfortably low for me, but the money earns 0% interest so I figured this was better than cashing out part of a taxable mutual fund.

If I hadn't paid it off, I would still be paying that stupid bill until 2018. Six years. So I saved myself about $400 in interest.

Now I truly am debt-free. When I paid off the mortgage, I sort of forget about the sewer loan. Now it's gone.

They told me "Congratulations" and then I spent some time wandering up and down the long hallway looking at the piles and piles of what must be millions of cards sent from well-wishers from all over. For the shooting that took place a month ago. It was very touching. They must've had at least 30 tables set up so people could browse through them. I guess they didn't know what else to do with them when they were just addressed to the town in general.

I just got a new assignment from my #1 client, a corporate blog post on what happened at the International Builders Show in Vegas. I may start that tomorrow.

I made a deposit at the bank and returned some DVDs at the library and got more. (They take the place of regular TV for me these days, and keep me going til i get my Netflix in the mail.) I also got my emissions test out of the way. 13-year-old car, never had a problem with it not passing, luckily.

Today I haven't done much else except edit The Author's second book. I'm on the home stretch now. She still owes me $175; I don't really like to send it all to her finished becus then she'd lose an incentive to pay me, She's always been very good about payments, although we have no set schedule and no deadline for when the editing is to be done. She basically pays me when she has the money. Sometimes it's a long stretch in between payments.

I am eager to finish it so I can start book #3. I think she may recognize that she may never make a lot of money from these books, but I don't think that will quell her drive to keep writing. She has gotten some really good comments about the book on Amazon, so that has provided tremendous incentive to keep going. She is very lucky (I'm a little jealous) that her husband has a good enough job that she doesn't have to work, although she often complains that money's tight.

Tomorrow, after the snow has fallen, will be my running around day. BJs, Shop Rite, Pet Choice, the gas station, WalMart, the IRS field office. I know you can print tax forms out online, but I need the instruction manual too, and that's too much to print. I must be the only person left on the planet who does their own taxes without software or accountant.

9 Responses to “Truly debt-free now”

  1. Beawealthywarrior Says:

    Congrats on being debt free, including the house!! That must be such an awesome feeling!

  2. twest Says:

    My parents still sit down every year and write all their taxes by hand. So you aren't completely alone Smile One year I sat down and began writting all mine out cause i had accidently hit upgrade in Turbo Tax and they were going to charge me. I thought "no way" My taxes are too easy to pay anyone to do them. Smile
    Congratulations on paying that sewer loan! I know it made you feel great!

  3. creditcardfree Says:

    Congrats on your debt free status! Love it. Smile

  4. Carolina Girl Says:

    Debt Free - that has such a wonderful ring to it! Congratulations on your achievement!

  5. PNW Mom Says:

    Congratulations on truly being debt free! How wonderful!

  6. baselle Says:

    Congratulations on being completely debt free!

    And you might just as well do taxes by yourself and by hand - if you get audited, the software wouldn't send an EA on your behalf anyway. As I always say, "if this car is going in the ditch, I might just as well have all my fingerprints on the wheel."

  7. LuckyRobin Says:

    How great it is to be free of all debt. Congrats.

  8. scfr Says:

    Congratulations on paying off the loan!
    Re the tax forms, when I visited my local library on Saturday they had a table set up with forms & instructions ... I didn't know libraries still did that! Your library may have them too.

  9. Petunia 100 Says:

    Congrats. Does it feel good?

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