It happened! It came! It’s real! I am debt free!

I’ve known it was going to happen this week for a little while now. I was just waiting on a payment to come through my account. Yesterday morning it did and so I made my final student loan payment!

So the day has come! I kind of don’t know what to say. Knowing that it was going to happen this week means that I’ve been living in a half reality of debt freedom. Now it’s an actuality- I have no more student loans.

I’m so glad to be done. I’m so glad to be DONE! I’ve been working on paying these for three and a half YEARS. While I’ve only been hyper-motivated for about 10 months, paying off loans has been a constant in my adult life. That’s no longer true. Everything about how I structure my financial life is about to change.

It’s exciting. It’s scary! It’s strange. I’ve wanted this for so long. I finally feel like I’m about to take the next step in my life. I feel like I’ve just been initiated into a club of super-cool, very adult, debt free people. The next paycheck I get won’t have to immediately be shipped off to pay down debt. It can just hang out in my checking account. (Or, probably, go to fund my Roth IRA.)

I will have a more in depth and coherent plan for my future. But for now, I’M DEBT FREE! Tonight I celebrate and tomorrow I’m going to see the Rolling Stones! And of course, I got those tickets for free. What a way to celebrate debt freedom huh? =)

I do want to say thank you. For all those who have stumbled into my little blog here, for those who have encouraged me, supported me, and read me: thank you. Writing this blog as I have been on this journey has been a wonderful experience. I so look forward to writing a post and I genuinely appreciate the feedback and support I’ve gotten. Y’all have been wonderful to walk this road with me. From the bottom of my heart, thank you.

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23 Replies to “I am DEBT FREE!”

  1. Wow! Double wow! You did it, Kara. YOU did it. You were totally and absolutely committed to being debt-free, and you worked and worked to make that happen. I send my warmest congratulations. You should be proud!

    1. Thank you Isabella! That means a lot to me. =) You are one of the people I meant at the end of this post. Thanks for being on this journey with me!

  2. Wohoo! Congratulations!!!

    1. Thank you! I can’t believe it really. It finally happened!!

  3. KARA! What a winner! I’ve actually used you as an example to my real-life friends who complain about not making enough because you’re a total badass. Enjoy your weekend of celebration!

    1. Thank you!!! Hahaha, I refer to ‘my pf blogger friends’ all the time in the real world! I’m excited to start saving just like you lady!

    1. Thank you so much!

  4. Excellent! Freedom! 🙂

    1. It’s time for a Mel Gibson roar of ‘freedom!’, hahaha!

  5. Congratulations! It has been fun taking this journey with you. I wish you nothing but success in your future!

    1. Thank you so much for being with me on it! It has been eye opening. On to the next adventure!

  6. Inspirational! I have about $8500 left in student loans and can not wait to pay it off!

    1. Just keep at it. I found that just saying out loud ‘I want to be debt free this year’ made every other part of it easier. Good luck!

  7. Yay!! I’m so excited for you. You must feel so great. Thanks for being such an inspiration to your readers!

    1. Thank you!! I feel shocked, happy, and so thrilled, hahaha.

    1. Thank you! Appreciate it!

  8. Hi Kara, Congratulations! I just found your blog, and I wish I’d found it a while ago — I’ve been doing some backreading and cheering you on in retrospect. You’re a good writer, and so easy to root for; you’ve worked incredibly hard to get here, and I hope you’re really enjoying your first week of debt freedom.

    1. Thanks so much for your kind words!! I appreciate all the well wishes I’ve gotten. I’ve been on your blog and loved it. Welcome to my little part of the internet =)

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