UK House prices rise by 5.9% in 2009

never applied for credit, so never even taken advatantage of 12 months interest free on a washing machine or new sofa.

Most "peeps" have a modicom of financial intelligence, and although I agree credit is a fundemental part of our consumer driven culture, this doesn't make it all evil because a sensationalist media focus's on the weak and foolish.

I suppose we could all live in a big commune, drive round in old Lada's and salute the Kremlin, but I prefer our society, which I'm hoping will have a greater need of interior designers, with sexy furnishings.

Cash is King, as long as you have plenty of it in your pocket, otherwise grab your plastic and head to the sales, its January

Make sure you pick the right wall as the neighbours wont be too impressed. >;Op


Nope
I normally walk in pay cash and get 10% knocked off.
you show me a savings account that returns 10% and you can sign me up.

I prefer our society the moor peeps spend the more money I make.

Good point! Plus last time I used a masonory drill, I watched it melt its way through the carpet after I put it down

memory still haunts me

Steve remind me never to ask you for help with the decorating

Some very interesting arguments here both for and against credit.

Would love to be able to walk in to a shop with a pile of cash, but with 2 kids and an ex wife to support those days are sadly over, hence I need my 12 months interest free.

As cash seems to drip through my fingers, my preferred weapon of choice is the credit card, but I make sure its paid back each month, plus I get a cash back bonus each year, ok its pennies but as my dear old granny used to say - "look after the pennies & the pounds will take care of themselves"

So how does that work when your doing your sainsburys shop? I hope I dont get stuck behind you when your haggling over your potatoes and chicken wings