I do like shopping and having nice things. Mr F would really spoil me if I let him. (I do, sometimes, I'm only human!!). But, I do need to have some rainy day money tucked away, so if the roof leaked or my washing machine blew up I would be able to repair them.

We always pay off our credit cards every month and I do have a fear of debt. I really think those smiley adverts which promise to 'help' people in debt by consolidating their debts should be banned.