Well done, it's hard to see the woods for the trees when in debt.
Only have a Mortgage now, If i need something i'll save for it.
If you buy it on the tick or load up a card then item never seems as good as when you save and buy it out right, the novelty of the must have item wears off quick, it ends up collecting dust or sell it cheaply and end up paying for something long after you last used it.
Ted
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