Frank Gallagher
Player Valuation: £50m
It's what people on spending money with, credit.
That's why expenditure is so high.
I'm lucky, I got into loads of debt when I was 20 and made redundant. It was a tough lesson but I save for stuff now and rarely buy stuff on credit
similar here..
literally got thrown credit cards one after another in my late teens early twenties, obv got in to big trouble and couldnt pay it back. ive not been allowed another credit card since about 2010, which is actually a very good thing. no more massive build up of debt looming over me. PAY-AS-I-GO now