Quote Originally Posted by Biciclista View Post
good grief, I agree!! don't pay off loans with birthday money! buy some smart wool.. or something else nice for yourself.
I must be WAY too uptight after working at the bankruptcy court for eleven years because I think Owlie's original plan sounded like it struck a good balance between treating herself and being responsible. To me, paying down/off debt IS a gift to one's self, plus she was going to spend a modest sum on some things she wanted.

Happy belated birthday btw, Owlie.