<prompt> Human: Im not having any money problems, nor do i have large debts. I have one small debt and a few bills all being due around the same time. Its also nearing Christmas and I would like to get something nice for my gf. My bank wont give me a small loan because I just started a new job and I have to work there for at least 6 months. Funny enough the job is with my bank. I know I can handle it on my own in the long run but Im sick of barely having any money and I feel like if I handle the small debt then Ill have less to worry about. Any suggestions?  <response>: Borrowing money to buy a gift is a suckers bet. You dont have to spend money to make your partner feel appreciated.Pay off your small debt; youll find its very hard to build wealth while in debt.If you can post your financial position in more detail, we can give you some pointers if youd like.Good luck, and happy holidays. 