Tuesday, Drum roll please!

     Well folks I did it!  It is done!  It is paid off!  I went to the Credit Union yesterday with my 2115.00 in 5 dollar bills.  I also raided my penny savings which had about $575.00 in it.  I took another $1600.00 which would have been our standard payment and then took $599.14 out of my savings account.  It is paid in full.  I have to pay my savings back but will have at least $500.00 of that when I go pick up a check from the studio owner this evening.

     I am keeping this a secret from hubby as I will present him with the pay off paperwork on his birthday in December.  I don't feel guilty about this as I have been the one that has scrapped and saved and figured out how to do this.  He is oblivious, but I must give him credit as he is not a frivolous spender and that helps tremendously with my budget. He knows we are close and we have both discussed having a mortgage burning party.  Which I am thinking will be New Years Eve this year.

So as the sign says, Now what?

Well we are not completely out of debt as we have the car and the house loan.  The house loan could be paid back today as we have not used it, but now we are really going to tackle the projects we neglected to do this summer.  The car is at 0% so I am in no hurry to pay that off and will do it after the house projects are done.  There are a lot of them.We will also have more money to cash flow projects.  I also have CC bills for travel which I will pay off this month.

How do I feel?  Well, relieved,excited, happy, proud.  I have just so many emotions right now.  Will my life change?  Maybe a little.  We had a whopping $1580.00 a month mortgage on an income of just under $4000.00 a month. I was putting at least an additional $1000.00 on this every month for the past 15 months.  Most months it was an additional $2000.00.  Out of that $4000.00  a month I was trying to keep everything under $1500.00 (insurance, food, utilities, car payment) so all other money could go to the mortgage.

I will not change my frugal ways one bit.  I plan to start updating the house to sell one room at a time and I will cash flow this. But right now I am just going to bask in the glory of no mortgage.

I have to say, that I was a slug (no reference to by best buddy).  I didn't even start the laundry which is out of control.  I pulled out a pan of stuffed shells for dinner.  I binged on netflix. It was wonderful. I did have quite a bit of work come into the shop and I do need to get some things done today.

Will I slow down?  Perhaps a little.  I have a very driven workaholic personality.   I don't think that will ever change.  But the immense pressure of always being behind the 8 ball, will hopefully diminish.

I am so grateful to all of the blogging community that has gone on this journey with me.  It has been long and hard.  But I can honestly say I could not have done this without you.  Just having someone to be accountable to daily was such a boost to my stamina in paying off debt.

Will I quit blogging?  No, I still need the support (yours).  I still need a kick in the pants in so many ways, either to get something(anything, you know what I did yesterday right?)done. I just do better when I have to be accountable for my day(s).

So let's see what I do want to get done today?

1. start the friggen laundry woman
2. maybe get dressed and put on some makeup and do your hair. (just a thought)
3. get in the shop and review the pile
4. get my flue shot
5. go get blood work done for specialist appointment
6. clean out the fridge and take stock of what's available and what needs to be cleaned out
7. do something anything on Novembers list, maybe 5 things as it is the 5th.

Have a great and productive day staying positive while you are in the negative.

Kim