Today

...after a decade of financial irresponsibility and general foolishness (but oh what fun it was at the time!) and two and a half years of frugality and saving, I am debt-free.

Except for the mortgage, but I think we can all agree that doesn't count as bad debt.

I'd be tempted to do out and treat myself to something luxurious to mark the occasion (designer handbag? jewelry? cashmere sweater?) and then a huge dinner at a lovely restaurant, washed down with champagne from start to finish, but as it is exactly that sort of behavior that got me into trouble in the first place, I shall refrain.

And so it all feels a bit anti-climactic and dull.