This isn’t me but it’s exactly how I’m feeling! We’re debt free! We finally did it, one year and 5 days after starting this blog, we’ve paid off $27,000 worth of debt. I can’t believe the feeling of freedom we both have. In the lead-up to the final payment, I started getting a bit blase about how it would feel to finally get there. But now I am just savouring every minute of this!

We’re not rushing out to celebrate tonight. My husband is working his biggest weekend of the year – wouldn’t you know it? 🙂 – but our wedding anniversary is on in the next few days and we’ll go out to dinner for that.

I am just so grateful to be able to start moving on to focus on the great things ahead for us. I think I’ll even swap my tickers around from Monday to signify the switch to a new focus – savings. It will be nice to be able to legitimately start entertaining the thought of funding our home deposit.

I am just so excited and raring to get started on the challenges ahead.



  1. bjefferies said

    CONGRATULATIONS!!! You are my hero! 🙂

  2. debtfretter said

    Aww, shucks. Thanks bj, I appreciate that! We’ve had a few little lump sums help us get there, but mostly it’s just been effort. Having an audience has kept me accountable and helped me get there quicker, no question!

  3. WOW, WOW, WOW!!! Congratulations! That’s amazing and a tremendous achievement. You most definitely need to celebrate. Your blog looks great by the way. I’m super jealous on all fronts.

  4. Dolly Iris said

    That picture states everything I would imagine it feels to be debt free. Congratulations!! I am really excited to see the new tickers and follow you along during all of your future goals!!

    I am truly happy for you and your family. Make sure you guys celebrate extra hard on your upcoming anniversary night!!

    Congrats again!!

  5. sarah said

    Well done! That’s AWESOME! 🙂

  6. louise said

    yee hah!! CONGRATULATIOINS!!! That really is great news!

  7. debtfretter said

    Budgeting Babe – thanks for the compliments – and for hosting the CoPF this coming week! I really like your blog too.
    Sarah, Dolly and Louise – thanks for the ongoing support, it means a lot.

  8. debtdieter said

    Congratulations! What wonderful news!

  9. tehnyit said

    Outstanding! what a wonderful feeling it must be. Also congratulations on being the first editor’s choice at CoPF!

    Well done on both fronts!

  10. What a wonderful post! Paying off $27,000 of debt in one year is a big accomplishment! I wish you nothing but the best of luck on the next phase of your financial journey.

  11. OMG! That is FANTASTIC! Congratulations to you!!

  12. […] Here are her selections for “editor’s choice” in edition #161, focusing on renewal. It’s Official – We’re Debt Free! […]

  13. JvW said

    Congratulations!!! I am a little misty-eyed I’m so excited for you. (At work. oops) You should be extremely proud of yourself.

  14. debtfretter said

    Thanks to everyone for such kind comments and thoughts – having you all comment is really helping me understand the enormity of what we have achieved. Part of me just wants to make out like it’s not such a big deal (like I always do when I achieve something 🙂 ). But this has been a huge effort on the part of my husband too, and even my little boy has made sacrifices (thought I doubt he’s noticed!). So to write this off as `not a big deal’ would undervalue their efforts too. Thanks again, I really, really appreciate it!

  15. :) said

    Way to go! You are an inspiration. 🙂

  16. BDO said

    Awesome! Congrats! Consider taking a real photo of the achievement and posting it on:

    God bless!

  17. debtdieter said

    Revel in your achievements!

    It’s funny how us Australians especially make light of achievements, must the be whole Tall Poppy thing of not wanting to big note ourselves.

    You’ve done an amazing thing in an incredibly short period of time and you should be so proud of yourselves! Shout it from the rooftops, even if it is only online.

  18. […] Sick of Debt announces that she’s DEBT FREE! Kudos! If anyone doubts the power of transformation, read about it here and catch the […]

  19. […] Sick of Debt’s happy post about how We’re Debt Free, is definitely something to read.  She is very modest, but what a big […]

  20. Impressive. It is so inspiring to see other join the ranks of the debt free(except for mortgage).

    Thanks for sharing!

  21. […] First, celebrate with debtfretter as they destroyed $27,000 in just 370 days. […]

  22. […] So Sick of Debt announces that she’s DEBT FREE! […]

  23. Debtfretter: What wonderful news! I don’t even know you and I’m happy for you.
    Thanks, too, for writing about it. Reading about a real person’s struggles with and eventual vanquishing of deep debt gives hope to those who wonder if they’ll ever get out from under. How does it feel to be a role model?
    Celebrate this terrific accomplishment — frugally, of course.

  24. debtfretter said

    Thanks again to everyone who’s commented here.
    A role model? Me? Ha! It feels surreal. It has really made so much difference to the level fo tension in my life. I am so happy to be in this situation and really have to encourage everyone who still has some debt to work out, just do whatever you have to to get to this position.

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