Want to know something I haven’t told any of you before? One way or another I have been in debt for over ten years now, about twelve to be exact, and there have been times when I thought I would die in debt as a result of some really bad luck.
This started after I got stiffed with a series of phony fines early in this century and, despite having the money to pay them straight away, I fought against them because I shouldn’t have had them in the first place. By the time they told me that I wasn’t due an appeal (a statement that later turned out to be false and helped me overturn most of these fines without needing to prove my innocence) I couldn’t afford to pay them at all. Later on Kim and I moved to a town that almost destroyed both of us and were there for years, trapped by our monetary situation. We were being dragged down by that town and desperate to escape by the time we did. We borrowed money from my bank who were happy to give it to the unemployed guy as he had a set amount coming in every week, to escape that place and used some of it to pay the last of the fines after managing to get the vast majority of them overturned (and yes, I do begrudge paying even what I had to pay). All in all we’ve been in debt as long as Kim has known me and I’ve had about a year longer than that.
It’s not like we’ve been irresponsible while in debt either. I kind of planned to save up and get to a stage where we could pay the loan off early. We’ve had savings and put away a little here and a little there, yet something always seems to come up. The last time we hit two hundred pounds savings our television literally exploded while we were celebrating having gotten there with no catastrophes. Then there was the debacle where the computer wasn’t working with the internet and we had it replaced on the advice of our ISP (yeah, I know now and so do they, believe me). Each time we’ve had some progress made we’ve had something like that happen that has cost us money, usually more than we had managed to save up. Eventually we gave up on our idea of clearing our debt early.
Today the very last payment of our loan cleared and we are officially debt free. We did it. We got out from under it, and let me tell you there are no words to describe how I’m feeling right now. I managed to scrape a little something aside and Kim and I have bought a few little toys for ourselves. Well she bought a few little ones, I bought a big one. Now we have some money to have a nice day together, nothing big but just to mark the start of a new phase of our lives. We’ve never been debt free together after all, so it’ll make a nice change at least.
And that’s my news today, the biggest I’ve given in years. I felt like it should be reported here rather than my other page.