For many many years I have been called “stubborn” by my mother.  When she actually admires my bullheadedness and stubbornness, she will call it “determination.”  Just recently on a blogger board, plonkee called me “insistant,” saying I am insistant about getting out of debt and that anyone can get out of debt also if they truly want to.

So, what does this have to do with debt reduction?  Well, last night I came across an old thread I had posted over at MyTotalMoneyMakeover.com grumping about how hubby didn’t believe me when I told him in July that we would pay off the truck note in 12 months or less.  In that thread, I listed the truck note balance as of June 30th, 2007 as $17,645.03  If y’all take a look at my debt reduction chart (courtesy of No Credit Needed Network) you’ll see that balance is down to $7167.04.  That’s over a $10,000 difference in less than 6 months!  We are on schedule to pay that stupid truck note off in late March or early April 2008, about 3 months ahead of the time I promised hubby.

This makes me wonder: am I stubborn?  Determined? Bullheaded? Insistant? Or just crazy enough to have pulled this off against all odds and in spite of the naysayers (which for 8 months included hubby)?  And am I really pulling off “the impossible,” as the so-called conventional wisdom and mainstream media would say?

I know there’s quite a few more of y’all who are doing the same thing I am: Getting out of debt.  Do any of y’all feel this way?  Especially when confronted with the pervasive idea that you “need” credit to survive in this day and age?