Scaring debt away on Halloween

by Erika Torres

I hope everyone had a wonderful Halloween yesterday!

My company gets really into it, and I was happy that most of my department dressed up.

And these were some of the, um, creative, entries in the pumpkin carving contest:

I was super excited about this year’s Halloween, because it was the first time that Eric and I would have an actual house with a door to give out candy! The past two years were spent in a shack, and we couldn’t give out our own candy…

Earlier in the week, we say all the neighborhood kids playing outside and I told them that we would have lots of candy so stop by our house! We got about 10 trick or treaters overall, which isn’t a lot, but I was wappy that we got any to begin with.

Plus, I bought the good Halloween candy. I remember when I was younger, trick or treating and you would stop at the houses that gave you the stupid candy that nobody wanted, so I vowed to always buy good candy, like name-brand.

I love the whole idea of Halloween–I feel like it’s a very community-bonding type of holiday. I mean, how weird is it to go to your neighbors’ houses and expect them to give you candy?? It’s a very neighborly concept.

We ended up making meatless meatloaf and watching a scary movie on Netflix.

All in all, it was an awesome Halloween, and what really kept me smiling all day was that I was able to pay off my SECOND student loan! This loan stood at $1021.45 last month, and thanks to my side hustle, I was able to pay it off yesterday!

This brings our total debt down to $18,696.10! And we’ve paid off more than 50% of our debt in the past two and a half years.

I must say, I was really bummed this past summer that we weren’t making any progress on our goals, or paying off any debt, so I’m really happy that we’ve gotten this boost recently.

How was your Halloween? We’re two months shy of 2013, any last minute goals you’re trying to finish up for the year?



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IT December 2, 2012 - 11:35 am

Great article about student loan.

B. (Below Her Means) November 10, 2012 - 9:23 am

You look adorable in your costume and well done on the debt! You’re inspiring.

Thomas S. Moore November 9, 2012 - 5:28 am

Just saw your post on BTFS and wanted to drop in and say hello. Love the pumpkin that has to be one of the funniest things I saw for Halloween. This halloween was a little boring and as for 2013 coming I want to makes sure I the year savings, eating well, and exercising. That way I start 2013 on a good note.

Ana November 5, 2012 - 8:32 pm

I love your costume! So funny!

And it’s ridiculous how excited I get about giving out candy! So much fun!

Nichole @ Caviar Dreams on a Fishstick Budget November 5, 2012 - 4:58 pm

Hahaha, I went as a preggo nun one year, many Halloweens ago! So wrong AND so funny!

Thesavingsblog November 4, 2012 - 7:03 pm

Wow! A pregnant nun costume, that’s bold! I am happy for you paying your loan. That must feel great. I remembered the last time i did mine it was like a huge torn was pulled off of my back.

Elizabeth @ Broke Professionals November 4, 2012 - 12:22 pm

I paid off my student loan last week too – woo hoo for us!!!

I love the pregnant nun costume – there are so many great Halloween costumes you can do spinning off the whole “someone who shouldn’t be preggo” theme. I’m bummed because I was never pregnant (or rather, showing) at Halloween, so I never got to capitalize on my baby bump… and once you’ve carried two babies, you really, REALLY don’t want to wear even a fake bump. The novelty wears off 🙂

SWR November 4, 2012 - 9:56 am

Love that pumpkin!! Sadly we didn’t get any trick-or-treaters.

Congrats on the student loan payment! All we have paid off lately was a HUGE parking ticket 🙁

Melissa November 3, 2012 - 3:34 pm

Congrats on paying off your loan. That must feel great!

Lisa @ Lisa the Vegetarian November 2, 2012 - 1:11 pm

Awesome costume and congrats on paying off your next loan! I aspire to someday have the same kind of side hustle that you do 🙂

Army Amy* November 2, 2012 - 11:39 am

Haha! Your costume is cute! Love that the dog got in on the costume action, too. My dog HATES wearing clothes and pouts when I put him in anything. And congrats on making even more debt progress!*

Tanner November 1, 2012 - 5:31 pm

Many congrats on paying off that second loan! I think I’m as good as I can be with my goals, so no rushing to the finish. I should start planning/thinking up next year’s goals, though!

Teacher Girl November 1, 2012 - 4:14 pm

Happy Halloween and CONGRATS on getting that debt down!!

CeCe @Frugalista Married November 1, 2012 - 1:42 pm

What a super cute Halloween Costume idea! My work does not get into it much at all.

Courtney November 1, 2012 - 12:27 pm

I have never been into Halloween. Last night I ran to the store & bought a bag of snack-sized peanut m&m’s in case I got any trick-or-treaters. Turns out I only had one! I was kinda bummed out but I’m planning on bringing the leftover candy to work with me tomorrow.

I did do something kinda last minute too–nothing nearly as exciting as you and Matt’s adventure, but I heard that if you dressed in costume, you could get a $2 entree at Chipotle. So, I looked in my closet and ended up wearing my college graduation gown complete with its cap. The line was CRAZY – like out the door, but I saw a ton of interesting costumes & got lunch for today 🙂

Courtney November 1, 2012 - 12:29 pm

haha, this is what i get for copying & pasting – disregard the mention of you and matt’s adventure – clearly you don’t have a matt 🙂

KendraD November 1, 2012 - 11:34 am

Congrats on the debt pay down! I love your costume.

We’re just waiting for a reimbursement check and we will finally be debt free. That was our big goal for 2012, so I’m glad we’ll make it, and a few paychecks before Christmas too. 😉 We’ll have paid off 45k in just over two years of marriage, so nothing two shabby. Our next goal is to save up an equivalent amount to have as a cushion when we move back to the States.

Andy November 1, 2012 - 11:28 am

I paid off my last student loan yesterday. Must be some sort of Halloween debtfree spirit.

Michelle November 1, 2012 - 11:17 am

That’s great about your loan! And love your costume and that pumpkin 🙂

Debt and the Girl November 1, 2012 - 11:14 am

Great job! I personally want to save some more money, pay off more student loans, and save enough to go on a vacation this month. We are almost there on the vacation fund but thanksgiving can’t come close enough!

savvyfinanciallatina November 1, 2012 - 11:09 am

Awesome pics! Your costume was super creative! I was just witch at work yesterday ;p

We are tying to get to $20K in cash by the end of the year not including 401K, pay down debt significantly, and invest $$. Idk if we are going to make it , but at least we are going to be farther along than without a goal.

Congrats on paying over 50% of your debt!

Mo' Money Mo' Houses November 1, 2012 - 11:07 am

That’s awesome congrats, and love the costume!

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Jessica @ Budget for Health November 1, 2012 - 10:07 am

Did it feel weird carrying that baby bump around for the day? Congrats on paying off another loan!! This has been a big year of financial goals for us ($30k student loans, 6-month emergency fund, saving for a newish car) so 2013 will be saving up for a downpayment on a home-sweet-home 🙂

newlywedsonabudget November 1, 2012 - 10:29 am

I will say that I got really tired of it after lunch! Even though it was just a pillow, it felt heavy and got in the way…Can’t imagine doing it for 9 months!


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