Motorcycle and Scooter appreciation

I passed my test ages ago, but have been scrimping and saving for a flat deposit ever since and never bought any wheels. Well, I've just moved in to my flat, and while I'm still skint I'm looking around at options.

Part of me thinks that a Vespa 125 looks like fun for around the city. And they do finance deals. I have never done anything like that and hate being in debt, but it woul mean that I'd be up and running for around £100 a month.

Has anyone ever done anything like that before? Would you reccomend it?

And on another note, should I just get a grown-up bike instead?

i'd go for a cb125 and learn clutch control braking etc
would stand you in better stead when you move up to something more powerful than a twist and go scooter
you can get the feel of riding a real motorbike with a cb125
dropping the clutch
popping wheelies
skidz
0-30 acceleration