At last, it’s gone. The personal loan I got seven years ago for my first car, and which, from memory, was refinanced twice to pay off credit cards and other odds and sods was finally paid off today. Of course Westpac have sent me a letter inviting me to get in to debt with them again but for them I have two words : sod off. The loan has gone, the Visa is at record low levels and there is a little money in the bank. Now it’s just rinse and repeat until the card is gone too and there’s lots in the bank.