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Whch loan would be good to pay off a credit card and buy stuff
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One with a lower apr than you are paying now.0
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None...try to avoid taking on more debtWork in progress...Update coming July 2012.
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So your saying rictus123 to live in a house with no carpets and wooded lower floor in this winter we are having? Would the idea of an extended overdraft be better to pay off CC and get some flooring wash machine etc?0
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I've had no carpet in my hallway for 3 years! And a lot of people choose to have floorboards rather than carpet.
You need to pay back the credit card. What interest rate are you paying on it? If you go to the debt free wannabe forum you will get advice on the best way to pay back your card.
Have you tried freecycle for a washing machine? Do you really need a microwave at this moment in time?“A budget is telling your money where to go instead of wondering where it went.” - Dave Ramsey0 -
I have two rooms with flooring in and bare boards (plus a big rug by the bed) everywhere else. I agree with posters who advised focussing on clearing debt rather than adding to it.
Good luck.Debt at highest: £8k. Debt Free 31/12/2009. Original MFD May 2036, MF Dec 2018.0 -
YEs I would rather have floorboards but its expensive ad I would also have to get installers to assemble it too as Im not goot at DIY at all and so do you think an overdraft is a good solution to pay back CC and pay for this flooring? OR get finance from the high street and get a balance transfer if I can get a card?0
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I've had no carpet in my hallway for 3 years! And a lot of people choose to have floorboards rather than carpet.
You need to pay back the credit card. What interest rate are you paying on it? If you go to the debt free wannabe forum you will get advice on the best way to pay back your card.
Have you tried freecycle for a washing machine? Do you really need a microwave at this moment in time?
Dunno its Cahoot card about 66 quid monthly on nearly 3 grand card work that out0 -
My debt is credit card nearly four grand and overdraft nearly one thousand and this flooring and carpets for upstairs bedrooms coming up I dont have a loan right now0
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So your saying rictus123 to live in a house with no carpets and wooded lower floor in this winter we are having? Would the idea of an extended overdraft be better to pay off CC and get some flooring wash machine etc?
Nope! What is being said is that you are already in debt! Debt costs, and that getting into more debt is never a good idea;)
The lack of carpets will not kill you. Many of us on here lived without them for ages, or had really grotty ones. Many of us sat on deck chairs and washed by hand and had other peoples furnishings for years so as not to get into debt:o
Your own choice entirely. Best advice that ANYONE on MSE could give you would be to tighten your belt, SAVE for the things you need (or look on freecycle and second-hand adds) and pay off the debts as quickly as you can. Anything else that is said can only be seen as poor advice on this site really:o
If you are insistent on more debt - then read Martins articles on credit cards and card tarting."there are some persons in this World who, unable to give better proof of being wise, take a strange delight in showing what they think they have sagaciously read in mankind by uncharitable suspicions of them"(Herman Melville)0 -
YEs I would rather have floorboards but its expensive ad I would also have to get installers to assemble it too as Im not goot at DIY at all and so do you think an overdraft is a good solution to pay back CC and pay for this flooring? OR get finance from the high street and get a balance transfer if I can get a card?
You already have "floorboards" they require no more spend at all;) What you do not have is "fancy" floorboards;)"there are some persons in this World who, unable to give better proof of being wise, take a strange delight in showing what they think they have sagaciously read in mankind by uncharitable suspicions of them"(Herman Melville)0
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