Becoming Debt Free in 2009

April 6, 2009

I Have Nothing Financial To Say

Filed under: Financial Thoughts,Giving,Goals,Journey to Debt Freedom — ambercouric @ 9:48 am

When I started this blog I had what seemed to be a huge amount of debt.  You can see the breakdown here.  Nearly $20,000.  I was extremely motivated to get the debt down.  In the beginning, I was working really hard to change the way we thought about money.  We cut some things and decided other things were worth the cost.

Now, it is April and the last debt is well on its way.  I have about $5,500 left on my car.  While that seems like a lot we are so far ahead – I think the car is worth about $16,000 give or take a thousand.  Also, I have the amount set to pay so with making no changes the car will easily be paid off by September.

This brings me to the point of really not having anything to say about personal finance.   Although I am not debt free at the moment I know it is going to happen soon.  I can’t wait but right now being debt free just seems like waiting for Christmas.  It’s coming soon and I have a little of the anticipation but I’m not exactly fired up about.

The good news is that my life does not revolve around the debt.  I’m not constantly trying to fine ways to save a few dollars.  Since October I have made great efforts to save by not spending on things that aren’t really important to me.  I’ve given lots of thought to how and why we spend money.  So I guess I have grown up financially.

I’m  not sure where this leaves this blog.  I enjoy blogging when I have something to blog about but to blog just to write something down doesn’t interest me.  Right now my life consists of getting ready for boarding school for Kennedy, dealing with college stuff for Ashby, taking care of my dogs (trying to train the puppy to do all the cool stuff show dogs do), and volunteering for a couple of organizations.  We are planting a garden for the main purpose of being able to give the vegetables to the food pantry (of course we will eat some too) and spending more hours at the animal shelter because so many animals are being given up by owners who can no longer afford them.

I guess that I have reached my goal.  Although, I can’t give large sums of money to charity each month I can give both time and  money to help others.  I’m excited that I can see a need and my first thought is let me help and not can I afford to help.

I need to decide where I go from here.  Do I keep this blog and update weekly (which by the way drives me crazy) or do I move on to a blog that is more centered around my priorities and goals?



  1. I felt the same way. When I first started my blog “Paid it Down”, I had a lot of credit card debt, it was the end of December and Christmas had been a disaster, and I wanted to blog my way out of debt. My focus was to write about what I spent, and my trials and tribulations about doing it. After a year, we were out of debt, and I didn’t want to really want the total focus to be about money, so I started a new blog which is just about life in general, although I still include some personal finance. I still LOVE reading pf blogs, but my focus for now is living a simple, calm life…(sounds impossible with four kids, but I’m trying). Getting out of debt is similar to losing weight. If you are not careful, you can get right back to where you were, heavy and in debt. So, even though I’m debt free, I still need the support to “maintain” that status. I hope you stay with us and continue to blog…I enjoy reading your posts!

    Comment by Sharon — April 6, 2009 @ 10:01 am

  2. Even though you will have your debt paid off soon, you could focus on maxing out IRAs, 401ks etc. Although I am debt free, I like to think of that like a bill.

    Comment by Stephanie — April 6, 2009 @ 10:26 am

  3. You inspired me to write a post about this! Please stop by! 🙂

    Comment by Sharon — April 6, 2009 @ 10:45 am

  4. You can’t get rid of us 😉 we would love to read about your other journeys – you are a great inspiration to all of us & we feel like you are a friend, I would hate to see you just “disappear!” I am so happy for you & your family being in a completely happy soon to be debt free place!!!

    Comment by jpkittie — April 6, 2009 @ 3:23 pm

  5. There are 2 blogs that I read that have encountered this same problem (Give Me Back My Five Bucks & Fabulously Broke In The City). However, they’ve just centered their blogs around their day to day living and spending and saving, plus other assorted life miscellania. Don’t quit blogging!

    Comment by Rina — April 6, 2009 @ 3:57 pm

  6. Amber, I hope you will just let your blog slide over into the other areas of your life where you have a greater interest. In spite of the fact that your title is pretty goal specific, if you shut it down a start another you lose your page rank and, in spite of your fans :), you’ll also lose traffic. Maybe you could just change the title on your masthead (I Did It! or So Glad to Be Debt Free or something). Then just press forward. Do a little PF once a week and write about other things as well. You’ll broaden your audience and probably find yourself revitalized! Stick with it!

    I love Fabulously Broke too, she is definitely no longer Broke but just keeps plugging along.

    Comment by SimplyForties — April 6, 2009 @ 7:31 pm

  7. I made a decision when I first starting blogging that I wasn’t just going to write about my money problems, I was going to write about my life as well. My best friends read my blog and this is one way we keep in touch. They know what I am doing now, when before I was deliquent with calling daily or weekly. It doesn’t have to be about debt or lack there off; find the joy in writing!

    Comment by Converting A Spendthrift — April 6, 2009 @ 9:11 pm

  8. If it’s “driving you crazy” it’s time to change your focus. Why not switch to a blog that encompasses your daily life and goals, that include, but are not limited to, money? We will all still read it! You’ve done so well with all your goals!

    Comment by Saver Queen — April 6, 2009 @ 10:19 pm

  9. Hi there-It has to be said that you’ve made extreme progress and many congrats to you. I hope you find the best way to progress with the blog my dear, do you have a hobby that can encompass writing about too? Good luck!

    Comment by sharon rose — April 7, 2009 @ 3:23 am

  10. That is why I made my blog somewhat generic. I was afraid I would run out of specific topics to talk about. Definitely keep blogging. Just blog about whatever you feel like talking about, and your followers will follow you.

    Comment by cheryl — April 7, 2009 @ 11:43 am

  11. It’s already been said, so I’ll just second the opinion that you should continue to write, about your life and randomness.

    Comment by calina — April 9, 2009 @ 9:18 am

  12. You know, I have no debt aside from my mortgage, but I still blog about financial matters every day(although mine is more about saving money). I find that there’s still plenty to talk about!

    Comment by Kristen @TheFrugalGirl — April 15, 2009 @ 8:03 am

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