Friday, May 20th, 2011
So once there was a girl who had a blog, and then one day, she couldn’t bear to write in it any more.
Some things are just inexplicable like that.
I know that I disappeared and left y’all, faithful readers, hanging. I didn’t die, and I did continue to pay off debt. In a lot of ways, this blog had been my heart, and when my heart needed some isolation to heal, I had to leave it behind for a while.
And, there were the computer issues that just gave me an excuse to throw in the towel.
However, things are fine now. Although more than two years later, I’m still haunted by my father’s sudden death, I have had help in working through things and I’m growing and changing and moving on.
Now, for the real swan song – the debt story.
As of the end of December, 2010, we have paid off all of the original debt that started this blog. However, we’re not (and weren’t ever completely) debt free. In November, the accursed Saturn bit the big one, and we traded it in for a gently used Mazda5. We still owed ~$200 on the last student loan when we got this car’s financing, so we were never completely out of debt.
However, our improved circumstances made it so that we could get this car for a 2% interest rate and a 2 year loan so – less time til debt free all over again, hopefully.
We could have chose a different car and a price we could have paid off immediately, but we didn’t. I see this car staying with us for the next 15 years – and it had better not be another lemon.
I don’t know if I will blog full time ever again but this chapter has long since come to a close. Keep snowflaking down your debt, as I will the car loan, and go forth and be happy.
Wednesday, September 10th, 2008
It is already into the second week of September, and I haven’t yet thanked the blogs that referred traffic to PaidTwice in August. I am remiss. I blame the start of school and general craziness that abounds in my life right now. So in thanks, I’d like to not only point out the top ten traffic referrers from the blogosphere last month, but also link to a recent post of theirs that I enjoyed so much I bookmarked it. If you haven’t seen any of these blogs before, be sure to check them out! Fully half my monthly traffic comes from referrals from other blogs, so I know that I wouldn’t be as successful at blogging if it wasn’t for other blogs giving me some props. Thanks!
Without further ado, here are the top ten referrers as well as an article to check out:
Thank you again for all the referrals and I hope to pay you all back in kind! On to September!
Wednesday, July 2nd, 2008
Since we are now entering July (I can’t believe it is July already!) it is time for me to thank the blogs that referred traffic here last month. I wish I could thank every blog individually but that would take a very long time for me to write. No matter if you referred 4 people here or 4000, I am very grateful for every referral, be it from your blogroll or mentioning my blog or one of my articles.
This blog really is a labor of love for me and I credit it for helping me begin to turn my financial life around. It has grown into more than I ever could have possibly imagined and I am so happy to be able to write here and share my thoughts with the world every day, and get feedback, encouragement, and direction in return.
With that said – these were the top
ten eleven referrers of traffic to I’ve Paid For That Twice Already… last month (one no longer exists so I listed eleven instead of ten) :
- MSN Smart Spending
- Cash Money Life
- Being Frugal
- The Simple Dollar
- Be Thrifty Like Us (blog no longer active)
- Mrs Micah – Finance For A Freelance Life
- No Credit Needed
- Gather Little By Little
- Frugal Dad
- My Two Dollars
If you haven’t had the pleasure of visiting these great blogs before, give them a peek and see what you think! Thanks again for helping the PaidTwice philosophy get out there into the world!
Thursday, June 19th, 2008
I started writing this blog on June 19th, 2007, exactly one year ago today. At the time, I started it rather impulsively to help me organize my thoughts about debt reduction and keep me motivated to continue even after the newness of all the ideas I was trying to implement wore off.
I honestly could never have imagined what a labor of love and support this has turned into. I truly get excited every day about writing posts, reading comments, thinking about new ideas, participating in the personal finance community, and keeping my focus and drive about reducing my debt.
My spouse and I were talking a few days ago about how my blog’s first anniversary was coming up, and he said to me that when I first told him I had a plan for us to be completely out of all non-mortgage debt by December 2010, he thought I was crazy. Which, looking back, I realize now is why he basically focused on our credit card debt for the first few months when he was talking about our debt at all, and never really mentioned the car or the student loans. The credit card debt, I think he was reasonably sure we could eliminate by 2010. But he doesn’t think I am crazy any more, not by a long shot.
I am happy to report that at this point, not only have we eliminated our credit card debt, but we’ve, in total, eliminated $16,401.39 of our debt in the past year. And in total, we’ve paid $19,338.48 towards debt (including interest) since June 2007. Of that, $10,535.33 was the budgeted minimum payments of $810.41 per month and $8803.15 was snowflaked from a myriad of sources, as humble as taking online surveys for some additional pocket change and as big as adding another part time job. We’ve revamped our goal of December 2010 to December 2009 to have eliminated all of our non-mortgage debt, and so far are well within target to meet it. As of June 19th, 2008, we have paid off 45% of the debt we had as of June 19th, 2007.
On January 1st, 2008, I set a stretch goal of paying $18,000 to debt in 2008. So far we have, in 6 months, paid $8833.94 to debt. That is almost exactly on pace to meet the $18,000 stretch goal, with 49% of that goal met in 6 months, and that was with both a car engine replacement and furnace replacement. I think our stretch goal is well within our reach – only time will tell if we can meet it but I feel very optimistic. And, as a bonus, meeting that would also mean my spouse’s entire student loan would be paid off. Being down to only two debts… I can barely imagine it. But I want to!
All in all, it has been a great year. Thank you all for joining me in this journey so far and sharing yourselves with me as well. On to the next year, and the next chapter of our journey. Who knows, I might have to start thinking about how to eliminate mortgage debt much sooner than I ever thought I would.
Monday, June 2nd, 2008
I just want to say thanks to the ten blogs that referred the most traffic to PaidTwice in May. This list is a bit different than all the previous ones because a few blogs linked to my economic stimulus articles and all the searching for those articles drove a lot of traffic this way. Thanks so much to all the blogs who have included me in link roundups, highlighted my articles, or generally recommended me to their readers. I truly appreciate it!!
With that being said – the blogs responsible for the most traffic driven to PaidTwice in May:
1. The Simple Dollar
2. Are You Going to Be This Way For the Rest of the Time I Know You?
3. Being Frugal
4. Be Thrifty Like Us
5. Cash Money Life
6. Five Cent Nickel
7. MSN Smart Spending
8. Mrs. Micah: Finance For a Freelance Life
10. No Credit Needed
10. Snowflake Revolution
There was a tie for #10. I just love that the Snowflake Revolution made it into the list this month. The little network that could! Thanks again to everyone who has sent traffic here!!