{"id":2816,"date":"2011-04-19T07:33:57","date_gmt":"2011-04-19T07:33:57","guid":{"rendered":"http:\/\/fubsy.net\/blog2\/?p=2816"},"modified":"2011-04-19T07:33:57","modified_gmt":"2011-04-19T07:33:57","slug":"13000_in_13_mon","status":"publish","type":"post","link":"http:\/\/fubsy.net\/blog\/13000_in_13_mon\/","title":{"rendered":"$13,000 in 13 months"},"content":{"rendered":"<p>as the cats race around the apartment in their daily burst of insanity, i&#8217;m sitting here quietly celebrating the first time i&#8217;ve been bank loan free in the last ~15 years. hell, it&#8217;s been so long, i can&#8217;t even remember when i first started building debt.  it was probably 1990 when i filled out that credit card application i found at the Capilano College (now University) campus. oh, how i wish i could go back in time and rip that thing out of my hand&#8230;<br \/>\nin the the interest of full disclosure, yes, i still have a car loan.  so, i do still owe a bank money; but, i consider that an expense since it&#8217;s a 0% loan and doesn&#8217;t exceed the amount i was paying just for repairs for the Golf.<br \/>\nwith a lot of hard work and spreadsheet time, i&#8217;ve been on track to pay off the bank for the last couple of years.  the purchase of my new car last year threw a bit of a wrench in the plans to be entirely debt-free by this coming summer; but, when i realized that i was literally throwing money away on endless repairs, taking a bit of a detour was worth the delay in debt-freedom. regardless, i did manage to, while making payments on my new car, pay off $13,000 owing to RBC in just 13 months!<br \/>\ni made a lot of sacrifices to get here and i have a fair bit of rebuilding to do before i&#8217;m back in what i&#8217;d consider a <em>comfortable<\/em> financial situation, but the psychological payoff is so very worth it.<br \/>\ni will never pay interest again!<\/p>\n","protected":false},"excerpt":{"rendered":"<p>as the cats race around the apartment in their daily burst of insanity, i&#8217;m sitting here quietly celebrating the first time i&#8217;ve been bank loan free in the last ~15 years. hell, it&#8217;s been so long, i can&#8217;t even remember when i first started building debt. it was probably 1990 when i filled out that <span class=\"ellipsis\">&hellip;<\/span> <span class=\"more-link-wrap\"><a href=\"http:\/\/fubsy.net\/blog\/13000_in_13_mon\/\" class=\"more-link\"><span>Read More &rarr;<\/span><\/a><\/span><\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[10,7,2],"tags":[],"class_list":["post-2816","post","type-post","status-publish","format-standard","hentry","category-money","category-self-indulgence","category-words"],"_links":{"self":[{"href":"http:\/\/fubsy.net\/blog\/wp-json\/wp\/v2\/posts\/2816","targetHints":{"allow":["GET"]}}],"collection":[{"href":"http:\/\/fubsy.net\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"http:\/\/fubsy.net\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"http:\/\/fubsy.net\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"http:\/\/fubsy.net\/blog\/wp-json\/wp\/v2\/comments?post=2816"}],"version-history":[{"count":0,"href":"http:\/\/fubsy.net\/blog\/wp-json\/wp\/v2\/posts\/2816\/revisions"}],"wp:attachment":[{"href":"http:\/\/fubsy.net\/blog\/wp-json\/wp\/v2\/media?parent=2816"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"http:\/\/fubsy.net\/blog\/wp-json\/wp\/v2\/categories?post=2816"},{"taxonomy":"post_tag","embeddable":true,"href":"http:\/\/fubsy.net\/blog\/wp-json\/wp\/v2\/tags?post=2816"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}