27-10-13, 02:26 PM
If I'd gone by that philosophy VNA, I wouldn't have enjoyed half the bikes I have over the years. I don't regret any of them (well, maybe the Superdream! - but that was bought outright for cash). I never have more than one loan at a time, I've never had a credit card or other debts at the same time, and I've always paid the loans off early. And one thing that has meant, is that whenever I go to my bank for a loan, the answer has always been "yes". But I have always also saved up a good deposit to keep the monthly payments as low as I can. Works for me.