so i go into the bank the other day, just to chat about money, and i ask if i can borrow four and a half grand, to pay off a previous loan of three and a half grand, and to clear a credit card, and take care of some repairs to my bike.

apparently, it's the same price (well, the same interest rate) if i borrow five grand, so i did.

and now i have about seven hundred quid (eleven or twelve hundred dollars) to spend as i see fit.

any ideas?