When we say we want to get on top of things, it means that we want to be in a position of control. So, when I say I am on top of my finances, it means that I don't have a financial burden on my shoulders and I don't owe anyone any money. I am not chained down by anyone over finances. So, I couldn't help but frown when I saw this: Well, if we are borrowing for an investment that will generate a higher return (ROI) than the cost of debt, I guess it might be a good idea to borrow. However, look at the effective interest rates per annum: 15.44% for 12 months 13.44% for 24 months 16.11% for 36 months How confident are we of getting a ROI higher than these interest rates? Of course, if we are borrowing to fund consumption, heavens forbid! If we ......