The rule is you should only borrow to save rent and put a roof over your head or back yourself in business earning income as anything else is a consumption sugar hit with the nasty taste of forgone consumption in future-
https://www.msn.com/en-au/news/australia/why-consumers-are-to-blame-for-soaring-car-prices/ss-AA1GTqQU
Never heard of anyone about to put pen to paper for a loan ask- Do you think you're lending me too much? but they sure as Hell reckon they did when the gloss has worn off and they're struggling to pay 

That's almost exactly what we do, we have no debt, apart from the monthly c/c bill

We don't even have that much!

The only "debt" we're carrying, is the bills that have come in but aren't due for another week or 2, so haven't been paid yet

Etty beach for the next few days
Had a visit this afternoon




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Men and women do arithmetic differently 
https://www.msn.com/en-au/money/personalfinance/when-i-told-the-internet-i-paid-cash-for-a-new-car-men-flooded-my-inbox-to-call-me-irresponsible-they-re-wrong-and-here-s-why/ar-AA1D2bCW

That's almost exactly what we do, we have no debt, apart from the monthly c/c bill which gets paid in total every month. If we don't have the money (in the bank) we don't get it, untill we do..  Simples.

Paronella park, Qld



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