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