gareth i have NO loans and no debts as such so i just spend the cash,,,,,, i can spend 100 quid on a sunday,,,,,,, infact i do that every sunday and then i got nothing to show for it

paying another 100 quid a month for a family retreat is jsut money i would spend anyway

i dont put 300 quid a month away to invest for the future and the only investments ive got is a isa ive had for 5 years now at 80 quid a month thats matured,,,,,,,,,,, 2 years ago and not made its target,,,,,,,,, aint that a suprise and my pention of 100 quid a month that ive had since i was 18

so as far as the fture goes im not gonna be that bad,, ok i aint got a pot to piss in now but i enjoy my life and dont over live my means with loans ect so i HAVE to work ect,,,,,,,,, but i do have to work as im far from a rich man and still a pikey


but i do spend ALL my spare cash by payday,,,,,, or if i dont the missus helps me


ive wasted more than 20k in the last few years and to me it seems like a idea i can afford to do and not worry about