I'm reading on the BBC website about the 'Uk financial crisis' and I have to say that my favourite part is reading the comments from other reader. This reader in particular is talking about who is responsible for the amount of debt that the average person is in in the UK.

"Isnt it odd that if a smoker risks his life by smoking he assumes the majority of the responsibility rather than the tobacconist, yet when somebody risks their financial well being by overspending they are viewed victims and its the banks fault.Strange world!
Anyway like it or not we are all at risk from passive smoking and a 0.25% rate cut is like trying to cure lung cancer with an asprin."

I love his tobacconist analogy. It is true though. If you don't want to be in financial shit, dont' borrow more than you can afford to pay back. I shudder to think what our mortgage would be if we had borrowed everything that was on offer!!!