One of the most valuable things I've seen is that the users on UKPersonalFinance are also not afraid to tell people when they're doing (or planning to do) a stupid thing. On the flip side of that, you'll generally get a good response if you are planning to do a stupid (within reason) thing but have yourself sorted out, followed the flowchart, got your emergency fund sorted and are paying off your dept. It's a good place for balance between getting yourself financially stable and enjoying the money you have.