Quote:
Originally Posted by starlooker
A loan for a house or car make sense.
A loan for a hobby makes less sense. 
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I know people who have borrowed money for holidays. Some of them are currently paying of their credit cards to pay for the last one and planning the next one...lol
IMO if it gets a lot of use and makes you happy then there is no harm borrowing money if it is within your capacity to make the repayments.