well bully for you Ake. but most of us were in the position of living within our means or having no cream buns for a period of about thirty years.

And you may well decide that you don't need cream buns, however what gives you the moral authority to decide that your family will go bunless?

Bugger it. flash the plastic, and bite the bullet at some later date. No use saying - I would have been a genius guitar player if I could have afforded that Gibson guitar. Find out by buying the bloody guitar. then at least you've been a man who once owned a Gibson guitar.

Sod prudence, and financial probity - in the long run we're all dead. Grab what's going - while you still have blood coursing through your veins - it doesn't last for ever. Nothing does.