Loans to mod?
Ok i will have £ 10,000
not paying more than 5% APR though. 
PM me for bank transfer details. 

Not a fan of credit but it more than has its place today, just not the way I was bought up. My parents would say "if you haven't got the money, you can't afford it".
I use our retirement fund savings!

I even have the blessing of SHMBO as she gets to spend the equivalent on herself, £1k since Christmas on handbags and perfume (her not me)
If you can afford the repayments then why not.
