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Money is a funny thing. Some people are almost supernaturally capable of accruing it, others simply take what others earn without permission, and most of us get by with what we can get. How we spend our cash is another matter. Younger people tend to be hedonistic - there's a young lad at work who has spent his entire monthly pay cheque in two days each and every time. To be fair, he doesn't moan about the hassles of having no money like some do, but all the same time, he desperately needs some financial advice and discipline. On the other end of the scale is one guy I often talk to who wanted to propose to his girlfriend. So he went out and bought an engagement ring. Nine pounds? Don't be silly. Ninety points? Not good enough. Nine hundred pounds? Doesn't make that big statement. No, he squandered his savings, nine thousand pounds, on the ring. Happily she said yes. Given how depressed he gets by the end of a working shift maybe that's just as well. I must confess I do sometimes spend on impulse. The other day I wandered past the local pawnbroker and thought that since I had some time on my hands, why not have a browse? It's sometimes interesting what people will sell. I went over to the line of guitars hanging on the wall. One stood out immediately, a gothic metal style electric guitar with a huge price tag. I looked closer. Floyd Rose tremolo, Seymour Duncan pickups, 24 frets with gothic inlays, full locking, and a feel of quality. Oh yes. It will be mine. Right now, hey, Mr Manager, I want this..... So I have ownership of an upmarket electric guitar retailing at nearly a thousand pounds, though I got it considerably cheaper as secondhand.. At first it was horrendous to play because the action (the height of strings above the fretboard) was ridiculous. Too high and the fingers have to make clumsy, slow, and overlong movements. Too low and you get fret buzz and a nasty truncated sound. But adjust it correctly and.... Please excuse me while an adult male goes glassy eyed and rather excited by a smooth and heavyweight distorted guitar sound. Money can be so useful sometimes. Oh No, Not Scotland Again... That detestable Sturgeon woman just won't shut up. She and other Scottish Nationalists are spouting their demands for another referendum on independence. This time we had Alex Salmond, the politician who failed last time to persuade the Scots to leave the United Kingdom, claiming that the British government cannot ignore democracy. Excuse me? I seem to remember the Scots have had a referendum on independence and chose to remain within the United Kingdom. Sorry Mr Salmond, but you cannot ignore democracy. Worse still the Nationalists seem to believe that if you don't like the result of a referendum then vote again until you do. What's democratic about that? But where is Scotland going to get the money from? North Sea oil and gas revenues having vanished, the only option is to stay in the EU. Which they cannot do as part of the UK since Brexit is now enabled by parliamentary law and signed off by the Queen. As an independent country? What they don't seem to realise is that as a new country, even if they get independence before Brexit is finalised, they still have to apply for EU membership, require full consent of current members, and won't have the financial perks hard won by British politicians over the years. A colleague at work suggested the English should have a referendum to decide whether we want the Scots with us or not. I'm starting to agree with him. Get rid of those moaning minnies up north and forget them. Close the border and deport all those terrible Scottish people in our midst. I'm not the only one who has noticed that the Scots up north are the nicest people in the world whilst those living in England are just the rear end of human society, a comedian said exactly that on television. I don't really want to wish the Scottish any hardship but I confess I would take great pleasure in watching Scotland stumble.