If you want something, save up for it. Simple....Rich people stay rich by behaving as if they are poor. Poor people stay poor by behaving as if they are rich.
Abso-bloody-lutely. The only loan I have ever taken out was the mortgage (long-forgotten now). I don't understand all this PCP stuff and, frankly, I don't want to.
And another thing...
...who decreed I should have a credit score? Everything I hear implies I have one, but I don't want one, never asked for one and never gone looking for it. They can all mind their own business.
