RESOLUTION #3:

1999: I will not spend my money frivolously.
2000: I will pay off my bank loan promptly.
2001: I will pay off my bank loans promptly.
2002: I will begin making a strong effort to be out of debt by 1999.
2003: I will be totally out of debt by 2000.
2004: I will try to pay off the debt interest by 2001.
2005: I will try to be out of the country by 2006.