After reading your comments, I now feel guilty of thinking about getting a
personal loan from my CU. They've got the lowest rates in our area so I thought I'd give it a try but then I read all your comments...
I mean, it's not like I'm borrowing money because of a medical emergency or some other reason that may be considered "valid". Now I realize that I didn't think about my decision a lot and it's a better idea to cut back on other expenses and spend a bit of our savings rather than going for a loan and paying 6% interest for 36 months.
Thanks for being honest on this guys, it made me realize how hubris it was to think it was even a good idea! LoL.