Lindsay Lohan -- I've Shot Down BIG New Year's Eve Paydays

Lindsay Lohan is adamant ... there's no way in hell she's gonna blow the progress she's made with her judge just to count backwards from ten.

Sources close to the actress tell TMZ ... she's gotten a bunch of offers to host various ragers on NYE ... but she's turned down every last one.

We're told Lindsay is desperately trying to change her party girl image ... and she feels staying out of the NYE madness is a major step in the right direction.

Lohan's decision is a costly one -- some stars have raked in 6-figure checks for partying on New Year's Eve. But we're told Lindsay -- who received high marks from the judge just earlier this month -- doesn't think a check would be worth it.

Lindsay plans to ring in 2012 with a few close friends at her home ... although she may go out to dinner before the final countdown.