Hi,Welcome Back!It was in my 'schedule of topics to blog about' and it seems it is timely as in the past 3 weeks only I have been asked about the above topic on 3 different occasions. In addition to that my present wife & I have just returned from a weekend city break to UK, and there is no doubt that flashing the oul' Credit Card around the place is an easy pit to fall into, hence the reason I don't currently operate a Credit Card (& hence why I use the term present wife!!). You Can Listen To This Episode Right Here:

If you prefer the written version you can read that right here.As always I need your help and support in spreading the Informed Decisions word so please do share this with anyone who you believe may benefit from the information, and if you have yet to please do take the 4 minutes involved in completing the Annual Informed Decisions Survey.Many thanks for your interest and for sharing the love.Paddy.