It’s a balsam tree she’s bought isn’t it? My gran bought one 3 years ago and then last year my mum followed suit and honestly, they are worth the money and do look lovely. My gran paid over £800 for hers, I was shooketh! Having seen it in the flesh they are worth the hype.
I’ve said this before, I work for the same bank as her. She’s a MAPA, starting wage is £30k and she’s been doing it 5 years, so will be on more. Then what she earns from insta, an extra £10k a year easy. She would have had a staff mortgage, which would have been on base rate and judging by what they sold their house for, probs had monthly payments of £300? That’s a pittance between the 2 of them. No kids. Then they’ve had all their holidays cancelled (did you know that?!
) would have had money back. Their future mortgage despite being more, half of it will be on base rate. IMO, they won’t have much debt if any. But I guess it depends on what you class as debt.