Should I get more credit when I promised hubby I wouldn't?

moongarden

Pigeongirl wrote:

Thank you for you post. I have had my lightbulb moment but sometimes I experience 'power cuts'. I think the best of us get tempted; I suppose I still need the support to keep me on the path of righteousness!

ooh, can you tell it was a monday morning wheni first posted on this thread, sorry.

better keep a candle and some matches for next time
- and definately don't do what someone said and just go for £100! it will creep up and we all know it. its the slippery slope.

a clean sheet in your bank account is the foundation from which you are in control of your finances

best of luck

nicola1982_2

Firstly depending on how old your son is, he won't care if you 'treat' him to something cheap or expensive. Our toddler gets excited if we buy him a toy or book from the pound shop! Secondly why get into more debt for a child? He'll need the money when he's 19 and wanting to go to uni, surely getting yourself out of debt and saving up for that possiblity is a better 'treat' for him.

southernscouser

Pigeongirl wrote:

I really have a problem though because the bank are offering me an overdraft of £275 and I am itching to take it. I know it would be really stupid and my husband would blow his top but I keep thinking of all the lovely things I could buy my little boy.

I don't see where the dilema is!

You want to rack up £275 more of debt just to buy your son stuff he doesn't need and will probably be stuck in the back of the cupboard in 2 weeks!

You also want to deceive your husband for a mere £275!

Sorry if it sounds blunt but hopefully it has hit the nail home!

Also if you do take it we will have to take a vote as to whether to expel you from the DFW Nerd Club!

jellybabies_2

Pigeongirl wrote:

Hi guys! I am really struggling at the moment with a bit of a moral dilemma.

I had a loan which I took out 3 years ago, of which the final payment would have been next month. However, last Oct I decided I would be clever and use my overdraft to pay the remaining balance off (approx £780) and would pay off the overdraft instead. The theory was that I would be paying lower interest and if we had an emergency of some kind, I could just 'miss' a payment without repercussions. However, I am stupid and of course didn't pay the overdraft off at all and, in fact, ran it up to its limit of £1150.

I got in such a state over it all that I confessed all to my lovely husband and explained to him that I didn't think I would ever get the overdraft paid off because I just don't have the willpower. Unless I know a payment has to go out because there will be repercussions if it's unpaid I just don't bother. I spend it. I really fooled myself because I was convinced I would pay that overdraft off. :mad:

My husband took out a £2000 loan with AA with APR of 15.9% for 24 months so I could pay off my £1150 overdraft plus another one of £600 and the rest we split.

I feel so effing stupid that I could have had this debt paid off by next month but now we have another £2000 loan hanging over us for 2 years. My husband is really lovely about it but I feel so guilty.

I really have a problem though because the bank are offering me an overdraft of £275 and I am itching to take it. I know it would be really stupid and my husband would blow his top but I keep thinking of all the lovely things I could buy my little boy.

God I am just so depressed with all this, what is wrong with me?!!!

Sorry to pour all my woes upon you, guys, but it is Monday morning after all!

Any comments appreciated (although please don't just tell me what a stupid cow I am because I already know that).

i just split with my fiance whom i was very much in love with.
the reason?????????lies and more lies and false promises for almost three years. he was hiding spiralling debts and blatantly lying to me ,when i was trying to help and stay on top of the problem.
believe me the hurt this caused wasnt worth the lies. respect for him went out the window.