Who else out there is shooting for being debt free in 09?

Yes, that is my goal as well. I have a plan I implemented during 07 that will go through 08 and end in 09, leaving us without debt. It includes splitting monthly mortgage payments into two payments rather than one. Although we pay nothing more than the expected monthly payment, splitting it up like this greatly reduces the interest owed and shaves several years off of the mortgage, paying if off faster.

So, our plan doesn't include too high of an expectation, but it does include simple ways to make things happen. I feel good about it.

Best to all working toward no debt!

I'm staying debt free now, in 08, and 09, but it's not easy.

Good luck to you and Happy New Year!!!!

NO for me since I am debt free perhaps I ought to try to run up a little debt! think someone might be messing with my credit though and that is shite, having my bankio look at that I hope, I might be poor and doing without somethings till I figure it all out, but that ain't anything new to me, not in debt though! hope you good luck!

Thats my goal but I dont know if I can make it work

acquire and sell property is the only way I can see it

happening and that is if the real estate market goes my way

cross fingers, knock on wood

It is a wonderful thought. I will still be paying on my 30 year mortgage then. There will always be monthly bills though, electric, water, cable, phone, internet, groceries, car gas, health insurance, car insurance, house insurance, life insurance, county taxes, state taxes, IRS taxes, doctors, medicine, and on and on...but we are still so BLESSED IN AMERICA. Thank you LORD.

Whatever you do, pay off the credit cards first. Good Luck!

09 am i missing something here?