tag:blogger.com,1999:blog-3237678032404169809.post8472965078179609633..comments2023-05-19T04:50:32.160-05:00Comments on The Four Nichols' Two Cents: Almost Debt Free. Tips! Savvyhttp://www.blogger.com/profile/03365434807718743086noreply@blogger.comBlogger1125tag:blogger.com,1999:blog-3237678032404169809.post-25317714943150614972013-04-12T11:51:55.604-05:002013-04-12T11:51:55.604-05:00I call it living like I am still a broke college s...I call it living like I am still a broke college student... Driving old cars, no cable like you, a nice TV/Stereo system gifted to us by a good friend when he upgraded, jeans and t-shirts make up my whole wardrobe, etc,... But you can also nickel and dime yourself to death, so you still have to watch even those inexpensive purchases or they will quickly add up! We are down to one small car note. Hopefully, after tax time, we will pay off the last credit card (used to pay for new house AC which is NOT optional here in SE Tex, hehe). Beth regularly puts money aside into a savings account that we ignore. That helps with the unexpected stuff. I have some dental work coming up in the future. I will be paying cash and negotiating a price with the dentist. Most healthcare folks are pretty good about giving steep discounts for upfront cash payments because it saves them a LOT of work.<br /> <br />I don't know how long we'll be able to stay debt free. Life has a funny way of doing things sometimes. But that is our goal. I do have this weakness for motorcycles and camera gear... but fortunately my website generates enough to cover those or I would have to make some hard choices! <br /><br />I remember paying off my last student loan, which was a six figure amount. What a feeling!! It was like a massive ball and chain cut loose from my leg. Keep at it, it is worth the effort!!Scott Fridaynoreply@blogger.com