IA's back on the tracks diary.

notanothergreyhair

immoral_angeluk wrote: »

Went running with the Dster again last night and we got caught out in a storm :eek:. Now.. I've never mentioned it... but I HATE lightning with a passion...

I'm the oppositw - I love lightning (although I hate running!)

I have been waiting for a good storm for sooo long - we had one last week but I managed to sleep through it

Herewegoagain

Hiya sar's darling just found and read your new thread, (I'm a bit slow doh) so glad your back missed you loads:j :j :j :j :j :j :j :j

As for the tat, glad you got what you wanted, go girl go (OMG I feel a tingle down my back, ow ouch ooooher help:rotfl: :rotfl: :rotfl: )

I've always wanted a nice lil tiny sweet flower, butterfly,or something but am a coward and now it would look daft at 21 and1/2 again:rotfl: :rotfl: :rotfl:

I'm am more scared of consolidation loans, with the best will in the world, debt happens, so personally I would rather not, best of luck with your decision, keep the chat going I love it, glad your back :T :T :T :T

HWGA xx

immoral_angeluk

Woohoo! My tat is being finished tonight 4.30 My final hour and a half. Can't wait!! :D:D

earwig

immoral_angeluk wrote: »

I know what you're saying and I know it's not a critiscism lol. I'm thinking aloud if anything as I know that everyone (inc myself) is very anti consolidation on here. I was more just thinking of the ease of being able to pay it off with charges as well as saving the money on interest. I'm mulling over the pros and cons in my head, can you tell? lol!

Pros -
would be easier to manage having it in one place
Would save money in interest depending on rate given.
No early repayment charges or set up fees
They do loans to suits budgets rather than set payments
Can deal with it online

Cons -
Risk of cards being run up again (*ahem, Ste!), would have to be very controlled.
Not guaranteed to get it
Not sure of exact APR.
Debt would all be in my name...



Hmmmmmmm

there is nothing wrong with putting them alltogether so long and this is the key you shut ALL YOUR CC acounts so you cant use them

CAFCGirl

Hi IA,

I just wanted to add into the fold because my husband is pretty much like Ste (from what I've read)...

Before he and I got together, he'd had a credit card, then got a consolidation loan for it, run up the card again, got another consolidation loan, then got another credit card, and now our debts stand with my 2 credit cards and a debt to my mum, all at v.low APR's and OH has 2 consolidation loans, 2 credit cards and one car on finance on the lowest apr of 12.3%...

and no matter how many times I tried to beat it into him he still applied for another consolidation loan on the basis of one lower monthly payment, and he got rejected, so its obv all affected his credit rating, and then so too will the refusal....
Like others have said before your debt is manageable and I honestly think a lot of people learn a lot more from going down the overpayment route, as hard as it may be.... because when something is difficult or hard you truly appreciate the experience....and Im sure you can clear it a damn sight quicker with overpayments than a loan.....

Just my thoughts but ultimately its what you honestly and truly think is best for you and your family xx

immoral_angeluk

You guys are right. I guess I'm just looking for the easiest option.

CAFCGirl

Dont blame you... I would too xx
P.S Hope you dont mind, but would it be ok to PM you a couple of questions? I didnt want to fill your diary with my drivel!

immoral_angeluk

CAFCGirl wrote: »

Dont blame you... I would too xx
P.S Hope you dont mind, but would it be ok to PM you a couple of questions? I didnt want to fill your diary with my drivel!

Of course chick.

immoral_angeluk

Back Only had an hour instead of an hour and a half, and have one sitting to go before it's totally finished. But the next sitting is going to be free and she's going to finish off my arm and touch up the first 2 flowers.
Today she finished my top flower and outlined my arm. I LOVE it. Am so happy with it. Will get Ste to clean it up and take a pic in a min. My last sitting is tuesday at 2 and that will be it all finished and done.

Be back asap with some pics

slowlyfading

ooh cool, cant wait to see pics! :j