One of the most exciting things about getting our new-to-us van is that I did not need an official loan to do it. I hate borrowing money, and right now they only loan we have is our mortgage. I do owe Mama still for the van, but I’ve already started paying that back. I’m not sure whether it’s a personal loan or a family favor. Regardless, I hope to pay her back quickly, because I absolutely hate owing money. Loans usually get me in trouble!

I have never understood the philosophy behind folk getting more and more into debt, with ever growing remortgages and such. The debt consolidation loans are almost as bad. It seems to me that if you get into financial trouble, you ought to stop, step back, and re-think your spending habits.