How many of you have slayed debt?

[InRedPillWeTrustSpectator 978]

Hello gents, question as I hit my middle 30’s my brain is shifting from slaying pussy to slaying debt. How was the feeling if you guys have went through it? If you did make it, do you cherish it and hold the accomplishment to such a degree to never let these modern gold digging society ruining whores into your life fully ever again?

Savage

[Silver FoxParticipant 2766]

I’m 31, and I’ve been pounded by credit card debt for the last five years. It sucks. But I’m in a debt-relief program now, making monthly payments, and I will be completely debt-free in less than two years from now. (Actually, it will only be about one year since I will be able to put some extra money into it after the summer).

I was spinning my wheels in the mud for a long time, trying to stay on top of the payments. It wasn’t working. I was maintaining an okay credit score for a while, but after a few years I realized that this was pointless. Credit scores can always be rebuilt. Mountains of debt that last for decades isn’t worth it.

And once I’m out of debt, I will NEVER EVER go back. I will never have a balance on a credit card again. I will be very reluctant even to USE a credit card again.

Before I got married, I was very good with my debt. Never ran up balances on my credit cards, never had any kind of debt, had excellent credit. After I got married, it all went downhill. Even though my wife was responsible for many of the decisions about how our money was being spent, guess who shouldered all of the debt after the divorce?

"Are you loosed from a wife? Do not seek a wife." --Apostle Paul

[WallyParticipant]

Paid off all debts(house and car) last year, its a fantastic feeling and adds freedom. More money to save, invest and focus on my hobbies.

Have never had a parasitic woman attached to me, if I had I would have been assured to be in debt still and forever.

"what a waste of a life, to marry, give up your freedom, just for the hope of not dying alone. Don't get married Son."

[UntamedParticipant]

Been living debt-free for 7 years. I will not allow myself to owe any entity beyond what I know I can repay. I patiently built meself and mes~~~ back up over time and I ain’t gonna let any f~~~ing thing bring it down, not a woman, not a beast or a feminist. I live well within my means and have plenty left to fully pursue my hobbies. No blood-sucking bankers are coming to claim anything from me, I only got insults for them.

Don't let them Blame, Shame or Tame you!
Give 'em NOTHING, not even an answer!
#GenderSegragationNow!

[Anonymous 0]

Debt free since 2007.
10 years now.
Never going back

[Repulsive RalfParticipant 356]

All debts including mortgage paid off quite a few years back now.
Its worth skipping holidays and things in order to get debt free because once you don’t have to pay interest as well, you then have loads of money to enjoy life without the worry of having to pay it back.

“I’m living free because the rents never due”, sang a very fine fellow.

[Greg HondaParticipant 6406]

Happy to say, like many others on here, that Yes! I’m debt free and Lovin’ it.

Posted before, but basically decided what I needed as opposed to what I wanted. No one I needed to impress with a flash car, exotic Holiday. No IPhone, PAYG Slider, No Labelled clothes, Wallmart, No Cable, just Fibre Internet, no Resturants, Home cooked, No Starbucks, Company’s coffee, No Deli, home made sandwiches, No Cinema, Just Youtube. Using My little Honda to get work 80mpg, Car gets 40mpg. No Bars, Just Supermarket Beers on Special.

Did that for 3 years. It would have been 5, but I got a payoff I would rather not have been eligible for.

Now my check gets paid into the bank and I haven’t spent all the check I got TWO Months ago.

Work part time 3 days a week. Looking forward to summer.

I feel for the guys who have to max out credit to keep their women happy. Some of them try to shame me for being “out of Date”, “Unfashionable”.

Financial security is more rewarding than any passing Fad you have to get a loan to be a part of.

It's Time to get Wise

[IceBankMiceElfParticipant 124]

Being debt free other than living expenses…mortgage/rent, phone, electric/water/sewage, car, car insurance, groceries, gas…is something to behold. I’ve been pretty much debt free for quite some time.

I didn’t get hosed after getting divorced 18 years ago, but I did take debt with me and what I tell you is what I did. It’s a matter of denying thyself a few nice things while whittling away at the debt. If you have high interest credit card debt…chip away at that first and put all available money towards this debt. Every bill that gets paid off is money that can be thrown towards another bill. You mange to live simply until it’s done. Mid-30’s…work more and know you’re making headway.

Life really is simpler when you can afford the things you need without blinking an eye and robbing Peter to pay Paul.

[SolidusXParticipant 854]

Slaying debt and finally killing it off is the best feeling you could ever have… then once the debt is dead do not get it again, invest your money to make it work for you!

Knowledge is power..... Don't waste your brain on bullshit

[InRedPillWeTrustSpectator 978]

Wow thank you gents, now to me this is what I’m f~~~ing talking about! This is inspiring, and just goes to show how much I need to I improve, I go to Starbucks once a day as an example..lets just say an average $4.00 per day x 30 per month, f~~~ just f~~~! And I actually like there coffee, over dunkin. Again good s~~~ gents, there is light at the end of this s~~~ show of a world we live in.

Savage

[Buller100Participant 2189]

I still have a property debt but I have a few rentals , if I wanted I could sell a rental and clear the debt but the rates are so low and property is rising at a higher price than the loan rate.

Add in the yield is double the percentage of the loan rate so I am making money on the banks money, I see it as a business loan rather than a debt.

I am almost 60 so have what I want, I was quite frugal for most of my working life you cant take it with you.

But getting debt free and investing young is the way forward, £1 invested at 20 years of age will be £20 at 40 years of age.

[MattNYCParticipant 2329]

Debt-free for a few years now, yeah. I f~~~ing hate owing people money.

The few times i’ve gone in to debt in my life it was because i was supporting a gf. Divorce a few years ago set me back to almost zero. But when everything you earn is yours, climbing that ladder is pretty easy.

All the best man. Slay that debt. Earn it all for yourself. It’s a f~~~ing good feeling!

[RennieParticipant]

No debt here either. Just the $50.00 on the CC, which I just paid off.

Don’t like owing other people money either. So I generally don’t get myself into those sorts of situations.

[Anonymous 13]

My intention once divorced is to get debt free as soon as possible.

I’ve always believed in living within one’s means. It gives a feeling of well being and inner peace.

Debt is turmoil, worry and restlessness…all she wanted to do was spend money, and when the savings ran out just get it all on credit. F~~~ing ridiculous c~~~.

If you stay with them you will end up broke from cradle to grave!

Live within your means, keep your needs simple and enjoy small pleasures.
Real value lies in what things mean to you, not their cost or how they are valued by others.

Get debt free, I can guarantee you’ll sleep better!

[Anonymous 13]

Anonymous wrote:

Get debt free, I can guarantee you’ll sleep better!

Actually, just get c~~~ free, problem solved!

[Anonymous 1]

But I need to have my roof replaced this year. Oh that’s right I’m paying cash.

Mortgage and car lease here. Needed a car because I didn’t have my own garage to work on it. This fall/winter waiting for a cheap car to pay cash for.

[Anonymous 42]

Yesterday I was supposed to go to the bank with my last $1,000 bucks to pay off my last credit card. I’ve been in bed with the flu since Sunday, so close but yet so far! As soon as I pay those motherf~~~ers MGTOW.com is getting a donation as I promised I would.

I can’t think of a better dollar spent than a dollar that will save a man his life!

Feminism is a cancer, the patient is dying, MGTOW stand at the ready with shovels to bury her dead or alive!

[MrMeParticipant 651]

I am 31 and still in university.
Finishing my masters degree in a year and a half.
Started stripping 2 years ago and finished paying my debts last month.

My goal is to keep stripping as long as I can to accumulate a high % of my future mortgage.

[General RipperParticipant 101]

I went debt free about 5 years ago. Luckily, the only debt I had at the time was a credit card, where I had managed to rack up $10k worth of it. I didn’t really care to understand the concept of managing money or debt back then. I landed a sweet job and paid it off completely.

Only recently (in the last year) have I begun to take on debt again. But, I do it now with a better understanding of how the system works, and use it to my advantage. I don’t NEED to do it, but I do it in order to maintain my credit score (good debt slave) score in the event I decide to make a large purchase in the future by borrowing.

Credit cards are a bit more secure than debit cards when it comes to fraudulent purchases. In the event that happens, you usually won’t get stuck with the bill. However, recent articles are out there of people’s CC’s regularly becoming compromised because some genius in the U.S. decided that we didn’t need pin numbers for our new CC chip transactions. Until that is fixed, debit cards may actually be more secure for the moment, due to the pin requirement.

In any case, I have two. One has a pretty large credit limit on it with a b~~~~-low interest rate. This one only gets used sparingly, in order to maintain usage history so it doesn’t get cancelled. It’s there only for extreme emergencies, not for pleasure purchases.

The other one has a higher interest rate, but gives cash back on every purchase. The interest rate doesn’t matter, because I don’t ever let it accumulate. It is paid off every pay cycle, and the CC company PAYS ME to use it. I make money off of them, not vice versa.

So really I only carry a small debt of a few thousand on a used car loan I took up a few months ago. I did so only to diversify my credit accounts in order to raise my score. I didn’t NEED to do it. Yeah, it kind of sucks to have to pay someone in order to maintain a credit score, but it is what it is. My score hasn’t gone up much since, and if it doesn’t make a significant impact, I won’t be doing it again, nor recommending anyone else do so.

One may ask why I even care about a credit slave score in the first place. Honestly, I shouldn’t. I want to be able to shred everything and use cash only, but there’s still a small part of me that wants to maybe buy a house, land, or a REALLY nice car one of these days.

It’s funny, because I think it’s a stupid idea. It seems land and a house is more of a liability than an asset these days. The market is so volatile that I can’t tell if an asset like that is appreciating or depreciating, but I know that the market is so manipulated and gamed to begin with that it’s probably a losing proposition. And owning s~~~ like that ties you down. Also, I’m a car guy, so I can stomach the idea of buying a depreciating asset that allows me to move around, have fun, and personally enjoy.

I basically carry “debt” out of choice, and make it work for ME. I say “debt”, because I have the savings to pay everything off now if I so choose. It’s just simple credit score maintenance for me.

Have discipline, and you can game the system and use it to your advantage. To each their own. 🙂

Women sense my power and they seek the life essence. I do not avoid women. But I do deny them my essence.

[RealityBitesParticipant 2198]

My only debt is my mortgage, and I am in the process of making additional payments applied to the principle of the loan.

My credit card is always paid off each month.
No Car Payments or Motorcycle Payments

I always save for my retirement bucket, and always put in money into a separate bank account that I very rarely ever touch.

[Author]

Posts