On the cusp of a minor milestone...

my current debt level is approx 11300 - with 4 yrs left to pay.

Well last Friday, I got approval from a Bank for a loan of 9300 over 18 months. This will enable me to achieve my goal of being debt-free by the end of 2010.

I've closed a savings account to provide the 2000 difference. So, when I get the original loan paid back in the coming weeks, my debt level will be at 9300 !!

I also still have 2000 put aside as a mini - emergency fund.

I'll start building the EF up to 15000 when I get the 9300 paid back...

Real progress is being made !! :-)