Tim
My old Dad once said to me, save a bit for tommorow but enjoy today. Like John Harris Grandad said 'if you haven't the brass in your pocket you cant afford it' that rings true today. A friend of my use to work in a Bank and the one thing that use to hack the staff off was people have never been forced to get credit from a bank, apart from a Mortgage agreement. So if you havent got it don't spend it!!
