well KT I can´t wait .... and about on the mountain top ...I almost there ....but remember the way down can be tricky ..so i have to be strong on last journey down the hill ...so what did i do ?? well I have not had a credit card for about 6 years . what ever i need in store I pay with money or a debet card . i started to pay the oldest bills and then started the way up , I had three small loans , I started to pay the oldest one and then the next ...and so on ... I also have not a new clothes for about 3 years now ..until the last 3 months ...:O) ... I am not getting things from the store that I don´t need , I don´t drink coca cola , have not done that for 12 years , I only get things I need . so from now on , if I want something , and I don´t have money for it , then I wait until I have the money ...I don´t take loans , I don´t use credit card I use the bus to work and home again , and save the car .. I hope I can to alot better than this ....and start to save real money for longer time .., the trouble is that I don´t trust the banks to keep my money ....:O( ... so more later ...there are lot of other things here in Icelandic finance that is to explain so you understand what is going on here on a normal home ...kv Skarpi
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