Fecking hell, this all makes my head spin.
I'll admit I am shit at finances (as discussed here) and just have one very simple approach;
The only debt I have ever had has been my mortgage. I did everything I could to pay it off asap.
I now have no debt at all. Nada. Everything I buy I buy outright. If I can't afford it I either save up or I don't buy it.
I do however spend money if/when I have it. Some people think frivolously. Feck it, I may be dead tomorrow.
Feck PCP and the merry go round it gets a lot of people into. Into too deep.
Andres
Edit:
And before anybody says that's not relevant to the discussion, well, I believe it is. The OP was suckered into getting back into bikes by thinking that the latest, greatest, most expensive bike would scratch his itch and clearly it hasn't........ Consumerism at it best (worst)
Bet he would've had more fun on a 150 MZ Scrambler but then that just doesn't hold any kudos in the world of having to have the biggest and best does it..............