In my case my debt wasnt due to overspend, more due with being left in the lurch by a so called friend, so i dont have that pathological fear of credit some understandably might. Im happy to take it, as long as its under my budget.
Don't blame you Rovex, as long as you take control of your finances then you should be ok.
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley. http://kallis3.blogs.iva.co.uk
