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Thankyou, that's very kind. We've been married 11 years now, and it's the best thing I ever did. I had to use laybay at the time, too. They don't give credit to people who are as broke as I was then!

I designed my wife's engagement ring. When I bought the ring, I was in final year uni working part time in a service station (ie broke). It took 8 months for me to pay it off layby. I went in every week when I got paid and put a few $$ off it. Perhaps you could try this approach - take...