All fair points Clanger.
I'm not crying out "woe is me" in an attempt to receive pity, I'm simply trying to justify my decision to fund training through a loan.
Despite the odd error (I have had my money worth out of the Pmotor though!) I am a financially sound guy and am no stranger to hard work. I will be keeping the peace at Leeds Carling festival for 3 x 18hr shifts in a row next weekend (24th - 27th) and will be straight back to my day job on 28th.
However, I am not prepared to do this for the next 5 years in order to fly RHS next to chris-squires (for example) who took out a loan, qualified earlier and got his captaincy while I was saving my coppers!
Credit, finance etc. is a big part of life and business in this day and age. If you are smart, you can turn it to your advantage.
L A