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ben, loan's are shit.........the best way to do it was what i did. I just worked my absolute ass off for 6 months and i saved about 7k.

You need alot of self control though, i quit spending money on takeaway food, cut down on smokes and didnt go out wasting it on alcohol etc it really pays off

i think loans are ok.. they build a credit history for buying things later in life..

i used to disapprove heavily of loans too.. but then i got one, paid that off, have paid a good chuck of the R33 off, and its been fun for me. In the end, even on a $20k loan, you pay around $4k interest. That sounds like a lot, but over time you don't really notice it. At the end, as long as the car doesn't depreciate massively, you still have a reasonable asset to sell off.

mj: and i still waste my money on fast food, alchohol, and the occassional smoke :(

i found i was getting dodgy at saving anyhow. Once i was really good, but then i moved out of home it was all over :( but a loan is something you always *have* to pay off each fortnight, no two ways about it, rather than saying "ok, i will save this $200 rather than spend it".

DEpends how good your financial management is i guess, but i know mine wavers..

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