It’s Over, It’s ALL Over! Down Goes Frazier, Down Goes Frazier! I Don’t Believe What I Just Saw!

I am debt free. I am debt free. I am debt free. I AM DEBT FREE!

Check out the chart to the right, and you can see that I have, as of February 06, 2006, paid off every single penny of our debt. I am truly, for the first time in 14 YEARS, debt free. I want to thank every single one of you who have stopped by to read this page and check out my podcast. Your support has meant, and continues to mean, so much. I am so glad that I decided to write this blog. It has provided that little bit of “extra” motivation that I needed to get over the hump and get rid of my debt. Wow… $11510.22 GONE in less than 10 months. Boom.

I hope you have enjoyed reading about my progress. I will have special post up Tuesday or Wednesday, detailing the journey from start to finish. Also, I’ll news about what I plan to do now! (Hmmm… What WILL I do with the time I used to spend thinking about debt re-payment?)

Free at last, free at last, it’s hard to believe but it feels so good, I am Free at last!

Bye, Bye Ford Motor Credit! Bye Bye Chase and Citi! Bye, Bye Credit Card Companies!!! Bye, Bye! Bye, Bye MasterCard and Visa! BYE, BYE!!!

Dork!

Thanks for being here for the ride, and I hope you will continue read the blog.

EDIT: Here is a list of the comments that were left when I originally posted this article, before I moved my site from blogger to my own domain name:

42 Comments:

At 8:27 PM, Cap said…
wow. awesome!gone in less than 10 months, that is indeed crazy progress.congrats!

At 8:40 PM, Dave said…
Congratulations! Now for the weight loss chart. :-)
At 12:33 AM, Anonymous said…
Congratulations! Job well done!
At 1:25 AM, lpkitten said…
congratulations! you are proof of what hard work and determination can accomplish!
At 2:12 AM, mbhunter said…
Fantastic!!
At 3:34 AM, Jonathan said…
Congrats, well done indeed.
At 6:20 AM, Tracy said…
Congratulations! You have been an inspiration to us all!
At 8:09 AM, michael kimsal said…
Congrats ncn!You have proved that it *is* possible to do this sort of thing – I’m close myself, and you’ve given me the inspiration to keep going and finish things off!
At 8:37 AM, Finder said…
Congratulations. Your story really helped me to turn my financial life around!
At 9:13 AM, bored said…
congrats!
At 9:33 AM, Misty said…
Congratulations!!!
At 10:16 AM, Madame X said…
Congratulations!
At 10:38 AM, Make Love Not Debt said…
Congrats! That’s quite an inspiration for us, knowing that someone else has done it.
At 11:15 AM, SMB said…
C-O-N-G-R-A-T-U-L-A-T-I-O-N-S!!!
At 12:26 PM, abileneblues said…
That is awesome, NCN. I’m sure the focus and dedication you used to accomplish this will help you in accomplishing many other great goals. Thanks for letting us share in your triumph.
At 12:38 PM, Seattle Simplicity said…
Wahoo! Fantastic!!!
At 1:13 PM, Daland said…
Congrats on a great lifetime achievement! You are now one of the few. Break loose a few $, go ahead and celebrate and savor the victory! Gently! :)
At 1:37 PM, kassy said…
Congratulations!!! And thank you for being such an inspiration. I hope to be where you are in 18 months and reading your blog has been a huge part of my motivation.
At 2:37 PM, Chrees said…
Wonderful! Be sure and save up for a celebration *lol*Seriously, congratulations and enjoy it!
At 2:43 PM, Adult ADD and Money said…
You have helped not only yourself, but have given inspiration to others who are just starting on the road to being free of debt.
At 8:26 PM, j.a.random said…
Congratulations! And may you have continued prosperity in the future.
At 2:31 AM, jesse said…
2 thumbs up! I can’t wait to say the same thing myself. I’m just starting down that journey, and I’ve used your blog as encouragement.
At 7:48 PM, Million Dollar Goal said…
Let me add my congratulations to the list. Well done! You are an inspiration to many.
At 8:25 PM, Anonymous said…
Let me also be one of many to congratulate you. I am on the same journey and hope to be done paying credit cards by the end of 2007. My student loans will be slightly longer. I won’t envy you… but man.
At 2:26 PM, Caitlin said…
Wow…this is so awesome! Congratulations on all your hard work…it’s all very inspiring :)
At 4:24 PM, savvy saver said…
great job, you have accomplished a very daunting task!!
At 5:48 PM, jim said…
Congratulations man, very impressive indeed. I’m sorry I didn’t know until Thursday!
At 8:02 PM, mapgirl said…
Great news! Glad to hear it!
At 9:41 PM, Tiredbuthappy said…
You rock, NCN!
At 10:33 PM, supermom said…
CONGRATULATIONS!!!!
I hope I’ll be doing the happy dance (just like you) before the end of 2006. I’m sure my dwarves will be joining me as well! Then once again, all will be well in my KINGDOM!
At 10:46 PM, Flexo said…
Awesome news, NCN! Congrats!
At 8:08 PM, John said…
Great job! Keep up the good work, and show everyone else in America how it’s done!
At 9:00 PM, Gigi said…
Fabulous job.
At 12:04 AM, Hazzard said…
Well, it’s about time!! Just kidding! Congratulations NCN. You have been an inspiration to a lot of people!
Hazzard
At 9:39 AM, Steve said…
Time to celebrate and get yourself a new plasma screen! ;)
At 5:41 PM, ProsperCouple said…
You are the miracle-maker! Congrats!-Jeff & Heather
At 8:18 PM, Amdollar said…
SORRY IF ITS LATE BUT CONGRATS!!! KEEP UP THE GREAT WORK!! :)
At 1:10 PM, Jose Anes said…
Congratulations!Your website and success story was posted on:Money And Investing

At 3:27 PM, Hazzard said…
Hey! Just because your debt free doesn’t mean you don’t have to get off your and post some more!! :) Now you have to start telling us all about where you are going to put your excess income!I just love this PF Blog community. It’s great to be around like minded people!
Hazzard

At 12:56 PM, JLP said…
NCN,I saw this post way back when you posted it but didn’t leave a comment.Congrats! That’s great news!JLP

AllThingsFinancial

At 3:02 PM, Anonymous said…
awesome! hopefully i’ll have the answers to your secret formula after reading your blog.LN

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19 Responses to “It’s Over, It’s ALL Over! Down Goes Frazier, Down Goes Frazier! I Don’t Believe What I Just Saw!”

  1. [...] So there you have it. And if you’re still not convinced, then consider the words of NCN from NoCreditNeeded, who dug himself (and his family) out of more than $11k in debt by following Ramsey’s principles: “The reason that Dave’s plan works is that it provides visible evidence of progress. There is a huge psychlogical lift that occurs when you see an entire debt paid. As someone who paid off over 11K in less than a year, I can promise you that Dave’s plan really does work.” [...]

  2. [...] some bloggers who were once in debt but are now debt free. Tricia highlights the point in time when No Credit Needed, Defying Debt In 2 Years, and Beyond Broke vanquished their debt. This is an inspiring reminder to [...]

  3. [...] No Credit Needed Blog “Free at last, free at last, it’s hard to believe but it feels so good, I am Free at last! [...]

  4. [...] time for a few points, from someone who successfully used Dave Ramsey’s method… [...]

  5. [...] It’s Over, It’s Over! (Read about the day that I was able to declare that I was “DEBT FREE!”) [...]

  6. [...] blog, No Credit Needed. I was in debt. I owed a total of 11510.22 dollars. In February of 2006, I became debt free. Along the way, I made several friends, many of whom have their own personal finance related blogs. [...]

  7. [...] Click here to read the post I wrote, 2 years ago, about becoming debt-free. [...]

  8. [...] enjoyable experiences you will be able to afford once you get things organized. Also, be sure and celebrate the goals you accomplish along the way. Have [...]

  9. [...] ably demonstrated by a reader of plonkee money and my fellow bloggers Ana @ debt-FREE revolution, NCN @ no credit needed and JD @ get rich [...]

  10. Buggaluggs says:

    Congratulations! I too will be debt free next week – didn’t do it as fast as you, but I’ve managed to pay off $15K in 24months – and put $15K in the bank – I’m pleased as punch!

  11. [...] No Credit Needed – $11,510.22 – various types of debt “Free at last, free at last, it’s hard to believe but it feels so good, I am Free at last! [...]

  12. [...] that day at my computer, my life has changed, dramatically. I managed to pay off all of my debts, build up a decent emergency fund, fully-fund several retirement accounts, purchase a newer [...]

  13. Congratulations! That must be a WONDERFUL feeling! You did great,
    enjoy your dept free time! :-)
    Sonja

  14. [...] February 26, 2006, I made my final debt reduction payment.  I was, for the first time in my adult life, free from the burden of [...]

  15. [...] February 6, 2006, I made the final debt reduction payment and finished paying off all of my debt.  Since then, I’ve been living debt free.  (If you notice the tag line of this site, living [...]

  16. [...] been debt free for 10 months now. (Here’s the post that talks about the day I paid off my last debt.) Here are a few things that I’ve [...]

  17. [...] by Debt on Feb.28, 2009, under General My wife and I have been debt free for more than three years.  Here’s how we turned our lives around and changed our family’s financial [...]

  18. [...] years old) to open her first savings account.  He and his family have been free of consumer debt for over three and a half years now and this is a milestone in how he’s educating his children in wise money management.  Trips [...]

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