Wednesday, May 02, 2007
whoops!
I've never been good at math.
I can remember the anxiety I felt in elementary school learning my multiplication tables. I failed Algebra II in high school. Numbers have just never been my thing.
In spite of that, I'm constantly doing math in my head. Just ask Sara. She can totally tell when I'm doing math in my head. I'll be trying to figure out how much money needs to go into a certain account, or how much I'll need to put aside every month for a large purchase and all of a sudden I'll go all glassy eyed and quiet. Glassy eyed and quiet = doing math in head.
So for the past year and a half a big part of the math I've been doing in my head has been dedicated to figuring out how long until I'm out of debt. If you read my column from a couple of weeks ago then you know that I recently did some math in my head and figured out that I was just a couple of months away from being completely debt free.
Except, as I pointed out before, I'm not good at math.
Turns out I'm officially out of debt today.
Today.
We will now pause for various cheers of jubilation.
I got my tax returns (state and federal) this week, so I called in, on a whim, to see what my payoff was. I'd already done the math in my head and figured out that I still needed two more months before I could pay it all off. I guess I forgot to carry the 2 or something, though, because when the teller told me the payoff amount, it was small enough that I could pay it off in one last, large payment.
Which I just did.
So, there you go. I paid off over $15,000 in a year and a half.
I'm out of debt.
Congratulations, I just did the slow clap leading gradually to a one man uproar of applause.
Congrats!!! Now start paying off my debt and I'll really be proud of you!
Seriously, good job.
Thank you. Thank you both. Maybe one day I'll spend some of my newly discretionary income on the two of you.
Probably not, though.
Way to go Patch and thanks for being courageous enough to share! It must be very fulfilling to have met that goal!
(Will you spend on me what you will not on the coloqial, er, colonel?)
i think you should share the secret of your success!!!! i wanna be debt free.... maybe you could have a patch drury seminar...oh and btw...CONGRATS!!!!!!
hugs-
Jesse
Chris I'll spend twice as much on you as I will on the Colonel. Unfortunately Two times zero is still zero.
Wow, now all of a sudden I'm good at math!
Jesse, the secret of my success was petty thievery. I stole money from old women and then used it to pay down debt. It's not exactly Dave Ramsey, but I like to think it has it's own rough charm...
And thanks guys!
Congratulations! Now, please tell me that you are going to call in to the Dave Ramsey show and yell "I'm debt freeeeee!".
It would be even better if you added the word "Suckas" to the end of it.
You know, I wasn't planning on it, but it might be totally worth it just for the "suckas" part.
Congrats, Congrats, Congrats, as a fellow hater of debt and spouse of Frugal Freddy I'm so excited for you. Your life is going to become exponetially better. By the way, check out my "big rocks" link on my page for your future purchase...
they're the best I've found and they do private consultations.
LIBRE AL FIN AMIGO, LIBRE!!!!!!!!!!
FELICIDADES
Congrats! That is a HUGE success!
Mrs. Needham - Thanks! I look forward to my life being exponentially better - and I look forward to checking out that site in preparation for PHASE TWO!
Vlad - Si! Es muy bueno! (That's the best I could do)
Faith - Thank you very, very much!
CONGRATS Patch!! I'm SO proud of you! Thanks for sharing your journey with all of us!
$15,000 in a year and a half - you definitely have to call in!! I really want to hear it...especially with GG's "suckas!!"
Thanks Kelly!
I really don't know about calling Dave Ramsey. I've not had good luck with political radio call in shows in the past. Some dude with a call in show in Florida totally owned me once.
Plus, if I was gonna call any show, I'd probably call Sean Hannity first and tell it what an idiot he is.
Congrats man! I didn't have as much debt as you, but I know how you feel. I paid off all my credit cards and my truck a few months ago. Thank goodness it is free comic book day on Saturday so you won't be spending your money at the comic book store like a lunatic! Oh wait...that's me. Speaking of which...I have to find a comic book store here in Alaska.
Way to go Patch!!
I'm sure the relief you are feeling from being out of debt is totally outweighing the shame you've felt from the exotic dancing gig you took to earn the extra cache.
Congrats and a hugh sigh of relief to know that your career as a male "entertainer" is over!!!
It is a huge relief, but I can't deny, as much shame as I felt working as an exotic dancer, I know every time I look at that tear-away Indian chief costume and the leather man-thong, I'm gonna feel a tinge of longing.
Or maybe that's just a kidney infection.
Oh crap! I missed James' comments. Thanks James. I've decided I'm to make up for putting all that money into paying off debts I'm gong to spend 15000 on comic books over the next year and a half. I'm an investment guru!
Speaking of investing in comic books, I have the the 4 comic books they put out after superman died (still wrapped), I think I may have the actual death of superman book, how do I find out what they are worth?
By the way, I am not a comic nerd, my parents used to sell comics and they told me to "keep these, they'll be worth something someday" so I did.
There's a publication called The Overstreet Price Guide, that you can get at any bookstore that a lot of people use.
On a more practical level, searching for the books you own on eBay is probably the best way to find out what you can reasonably expet to get for a given book.
Now, here's the bad news: The bottom totally fell out of the comics as collectibles market years ago. You can still get a return on really old stuff, but anything produced in the last twenty to thirty years doesn't hold onto any long term value.
Well, Bullox to that!
Yeah, it's a pretty sad state of affairs. I've never collected as an investment, but the factors that caused the bottom to fall out of the collector's market also resulted in years of pretty dismal comic books as well. Ask me to talk about it sometime if you really wanna see me nerd out.
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I can remember the anxiety I felt in elementary school learning my multiplication tables. I failed Algebra II in high school. Numbers have just never been my thing.
In spite of that, I'm constantly doing math in my head. Just ask Sara. She can totally tell when I'm doing math in my head. I'll be trying to figure out how much money needs to go into a certain account, or how much I'll need to put aside every month for a large purchase and all of a sudden I'll go all glassy eyed and quiet. Glassy eyed and quiet = doing math in head.
So for the past year and a half a big part of the math I've been doing in my head has been dedicated to figuring out how long until I'm out of debt. If you read my column from a couple of weeks ago then you know that I recently did some math in my head and figured out that I was just a couple of months away from being completely debt free.
Except, as I pointed out before, I'm not good at math.
Turns out I'm officially out of debt today.
Today.
We will now pause for various cheers of jubilation.
I got my tax returns (state and federal) this week, so I called in, on a whim, to see what my payoff was. I'd already done the math in my head and figured out that I still needed two more months before I could pay it all off. I guess I forgot to carry the 2 or something, though, because when the teller told me the payoff amount, it was small enough that I could pay it off in one last, large payment.
Which I just did.
So, there you go. I paid off over $15,000 in a year and a half.
I'm out of debt.
Congratulations, I just did the slow clap leading gradually to a one man uproar of applause.
Congrats!!! Now start paying off my debt and I'll really be proud of you!
Seriously, good job.
Thank you. Thank you both. Maybe one day I'll spend some of my newly discretionary income on the two of you.
Probably not, though.
Way to go Patch and thanks for being courageous enough to share! It must be very fulfilling to have met that goal!
(Will you spend on me what you will not on the coloqial, er, colonel?)
i think you should share the secret of your success!!!! i wanna be debt free.... maybe you could have a patch drury seminar...oh and btw...CONGRATS!!!!!!
hugs-
Jesse
Chris I'll spend twice as much on you as I will on the Colonel. Unfortunately Two times zero is still zero.
Wow, now all of a sudden I'm good at math!
Jesse, the secret of my success was petty thievery. I stole money from old women and then used it to pay down debt. It's not exactly Dave Ramsey, but I like to think it has it's own rough charm...
And thanks guys!
Congratulations! Now, please tell me that you are going to call in to the Dave Ramsey show and yell "I'm debt freeeeee!".
It would be even better if you added the word "Suckas" to the end of it.
You know, I wasn't planning on it, but it might be totally worth it just for the "suckas" part.
Congrats, Congrats, Congrats, as a fellow hater of debt and spouse of Frugal Freddy I'm so excited for you. Your life is going to become exponetially better. By the way, check out my "big rocks" link on my page for your future purchase...
they're the best I've found and they do private consultations.
LIBRE AL FIN AMIGO, LIBRE!!!!!!!!!!
FELICIDADES
Congrats! That is a HUGE success!
Mrs. Needham - Thanks! I look forward to my life being exponentially better - and I look forward to checking out that site in preparation for PHASE TWO!
Vlad - Si! Es muy bueno! (That's the best I could do)
Faith - Thank you very, very much!
CONGRATS Patch!! I'm SO proud of you! Thanks for sharing your journey with all of us!
$15,000 in a year and a half - you definitely have to call in!! I really want to hear it...especially with GG's "suckas!!"
Thanks Kelly!
I really don't know about calling Dave Ramsey. I've not had good luck with political radio call in shows in the past. Some dude with a call in show in Florida totally owned me once.
Plus, if I was gonna call any show, I'd probably call Sean Hannity first and tell it what an idiot he is.
Congrats man! I didn't have as much debt as you, but I know how you feel. I paid off all my credit cards and my truck a few months ago. Thank goodness it is free comic book day on Saturday so you won't be spending your money at the comic book store like a lunatic! Oh wait...that's me. Speaking of which...I have to find a comic book store here in Alaska.
Way to go Patch!!
I'm sure the relief you are feeling from being out of debt is totally outweighing the shame you've felt from the exotic dancing gig you took to earn the extra cache.
Congrats and a hugh sigh of relief to know that your career as a male "entertainer" is over!!!
It is a huge relief, but I can't deny, as much shame as I felt working as an exotic dancer, I know every time I look at that tear-away Indian chief costume and the leather man-thong, I'm gonna feel a tinge of longing.
Or maybe that's just a kidney infection.
Oh crap! I missed James' comments. Thanks James. I've decided I'm to make up for putting all that money into paying off debts I'm gong to spend 15000 on comic books over the next year and a half. I'm an investment guru!
Speaking of investing in comic books, I have the the 4 comic books they put out after superman died (still wrapped), I think I may have the actual death of superman book, how do I find out what they are worth?
By the way, I am not a comic nerd, my parents used to sell comics and they told me to "keep these, they'll be worth something someday" so I did.
There's a publication called The Overstreet Price Guide, that you can get at any bookstore that a lot of people use.
On a more practical level, searching for the books you own on eBay is probably the best way to find out what you can reasonably expet to get for a given book.
Now, here's the bad news: The bottom totally fell out of the comics as collectibles market years ago. You can still get a return on really old stuff, but anything produced in the last twenty to thirty years doesn't hold onto any long term value.
Well, Bullox to that!
Yeah, it's a pretty sad state of affairs. I've never collected as an investment, but the factors that caused the bottom to fall out of the collector's market also resulted in years of pretty dismal comic books as well. Ask me to talk about it sometime if you really wanna see me nerd out.
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