In some ways I'm glad I don't have to deal with those problems anymore. If you can't afford it you can't afford it but if MUMMY wants/insist to loan you the money just borrow as much as you can get away with with the wife, don't be in a big hurry to pay it back and, then enjoy it. Just because it's mandatory doesn't mean it can't be fun and it'd be great if she starts blowing chunks as it's way differnt than flying in a plane.