No. of Recommendations: 37
Although I don't foresee the need to post much on this board in the near future, due to a series of huge, recent changes in my life -- I wanted my first post on TMF to appear HERE ;) for reasons I'll outline below.

You see, over the past 5 years, I had been burdened with slowly growing CC debt, reaching a peak of about $29K in 2001. From Spring 2001 onward, I was a frequent lurker of boards here at TMF, and mostly, of this specific board. I want to thank everyone here for their thoughtful, intelligent, and spot-on remarks and advice. It truly is a great group of people that posts regularly on this board. Over the Spring 01-Spring 03 period, my wife and I managed to chip away at our debt in monthly chunks of about $600.

Throughout that time, I would gather inspiration, tips and tricks, and doses of common sense to get me back on track when I needed it. I'm sure I'm not the only who has done it, but I used quite a few "Free 30 Days of Trial Memberships." No, it was not honest... but I always told myself that I would become a dues-paying member when I got my debt under control.

Well, it is under control. In fact, it's nearly non-existent. But I would do anything, ANYTHING to get it back. My father died of sudden cardiac arrhythmia at the ridiculous age of 59. He left my brother (31) and me (28) a modest life insurance pay-out that has allowed me to, in one fell swoop, get rid of my debt. There was also a smaller amount left over to begin building/investing on for an eventual house downpayment. It is a strange feeling to now post on this board being debt free, when pre-April 29, 2003, I felt like I was slowly digging myself out from under a debt avalanche, with light at the end of the tunnel 5, 6, or 7 years away.

This board was/is a GREAT resource with GREAT people. Thank you very much. Guess I'll be starting to frequent the "buying or selling a home" board. Come to think of it, I'll still show face around here -- as my wife has about 10K in subsidized student loans ;) We may want to get some advice about how to pay these off when she graduates from her undergrad studies.

Thanks again, and aloha.

AdamFiveO (a bonafide, full-fledged, dues-paying Fool!)
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