At the start of the year i cut up all my credit cards and have only spent what i could afford i have to admit it's been the most boring of years no flash holidays & shiny bike bits

And?

lol…
to aid the thread:
i am the opposite, student riding the deep end of a very large overdraft…currently building up a spangly new ss!
sweeeet

No and just a statement as im bored

and have only spent what i could afford

Sounds like boredom mixed with equal amounts of sense and logic! 'Tis diffo to stop something like this but you're clearly showing good control …. my hat off to you, sah!

There is plenty of free porn on the internet if your bored, failing that the hollyoaks omnibus will be on tomorrow morning

but you still have a bike yes?…. 😀

Oh yes still have 2 bikes thank god

At the start of the year I went bankrupt (business went tits up) and have only spent what i could afford i have to admit it's been the best year I can remember no flash holidays & shiny bike bits but I'm happier than I've been in years.

Well once you're paid up and cleared the debt you can buy nice new bits again.

Well done for sticking with it.

I have to admit im not bothered about the flash holidays or shiny bike bits but it was nice to have a few quid in back pocket and we used to do a few mountain bike weekends in wales which have gone out the window too but it's better than the worry of debt

A few days ago there was some tread on here about banks and charges and the injustice of it all. Some one made the point that not everyone in debt was so through their own fault and gave the example of students as one such disadvantaged group. Well walla24 you just blew that argument out ofthe water!