* I was listening to some CD's good old Uncle Dave lent me. If you have any interest in hearing decent fingerpicking acoustic guitar then check out Davy Graham and Bert Jansch. Bert Jansch's early stuff is available on very reasonable priced CD's with two albums per CD. It's amazing. Davy Graham check-out Folk Blues and Beyond. This stuff is so good it makes you either get your guitar out or decide to give up.
This is a major recommendation go on do you ears a favour.

* On the home front the amount of debt getting written is impressively large, unsecured debt this is. After detailing bankruptcies, IVA's and debt stress (what the f**k is debt stress, I hear you ask) this is where you can only afford to pay off the minimum amount and therefore, if things don't pick up for you, you'll be in debt for the rest of your life. Obviously inflation should see it dwindle a bit.
These articles in the news papers are always accompanied by a supposed real life case where the name is changed to spare blushes. The example I read had run up £30,000 on credit cards (unsecured debt) and couldn't get another credit card !!.
I was encouraged to feel sympathy for this person as a victim of ruthless encouragement to shop by the banks. Of course we can't expect anyone to take responsibility for their retail therapy and we can only shake our heads at this poor victim of irresponsible bank lending.
What I wanted to know is what the **** they spent it on. I mean £30,000 worth of what? Was it shrewd antique purchases that they could cash in , I guess not. What did they think they were doing after they saw the repayments and interest on £20,00 grand did they think 'Oh I can stand a bit more of that? My attitude is well you stupid ****** tough s***, or am I being too hard? Here I am paying my debts and these people are getting IVA's writing off 60% of the debt. Whose the mug I wonder?