One last question.. If you was me would you take out a loan seems im getting close to being due?


thanks
Nope, I'd go and start putting things on layby and making my own payment plan to have it all paid off in time if you are after new things. Saves $$ on interest. And as Peach said, if you're going to go down to one income once bubs comes (if you're not already) it's just another bill that you're going to have to find the money for..

By the sounds of it though I'm a bit like your DF.. I hate waste, and to me paying interest on a loan is a waste