I need a loan but dont work help please

cazbie16

Sounds like your kids will have a great xmas then, whatever you buy them, with a loving mum, a roof over their heads and away from a violent dad. Hope you have a great one.

irish_eyes_r_smiling

mishca_loves_a_bargain wrote: »

Yes the £500 was for the whole day, Xmas pressies, the dinner. It was really just a thought, but now i can see that borrowing £500 today might be good for getting me and the kids through Christmas, but its not really worth it in long run..........

good on you mishca.

i can totally understand you wanting you and your children to have a lovely christmas and believe me it is possible for a fraction of the price.

how old are your children? If under 4 you can get healthy start vouchers for the vegetables, just a thought. Obviously i presume you get income support?

all the best!

SingleSue

Morgan_Ree wrote: »

You're completely missing the point
If the OP wants to get a loan out for Xmas, it's HER choice, she didn't come here asking for opinions, she came her to ask if and how it could be done

From the OP's recent posts it's obvious she's having a really !!!! time of it at the minute, if having a nice Xmas for her and her kids is going to make her feel that little bit better then who the hell do you think you are to try and make her feel bad for it

Some of the other posters have given her excellent advice, such as letting the kids look through a catalogue and setting limits, shame all you and so many others have done is judge

I would love to give my children the type of Christmas others have but that is just not possible.

Yes, I feel guilt about not being able to but one thing I would never do is to get a barely affordable loan out to pay for just one day...this is not a judgement but the words from someone in similar circumstances.

Life is hard enough as a single parent without the worry over feeding the gas or electric meter, the not being able to afford food, the missed school trips, the clothes that need replacing but can't...all because of making repayments on a loan for Christmas.

We have been through some crap times, we have been through good times and although it may feel good on Christmas day to see their faces light up because of the latest gizmo, it is like a the hangover from hell when you can't afford to buy them the basics afterwards.

Obviously, it is the OP's choice and if she wants to do it then she is welcome to but I think most replies were not being judgemental, just trying to kindly advise it would not be the wisest thing to do for the good of the family.

BASFORDLAD

tamarto wrote: »

Do they also deserve the crap times after when you are struggling to pay for that one nice day?

You have have a lovely day with your kids without spending lots, why does money always have to equal happy?

Yes well said. People never learn year in year out. I laugh when i hear that people struggle in the new year when they have spent loads and they are on a low income. Its pure stupidity.

£30 is plenty to spend on someone. I earn a good salary and wont spend much on anyone @ christmas. Not because i am tight but because i am careful.

It also seems to be those who live in council houses etc who go over the top @ christmas and winge afterwards. What i mean by this is those living in social house seem to spend a high proportion on there income/benefits @ christmas. They also seem to be the sort of people who struggle to budget and could do with some simple lessons on budgeting.

Wutang_2

tamarto wrote: »

why does money always have to equal happy?

Because the more money you have , the better life you have.

Better friends, bigger house, champagne, bling and women everywhere.

Fact

Morgan_Ree

BASFORDLAD wrote: »

It also seems to be those who live in council houses etc who go over the top @ christmas and winge afterwards. What i mean by this is those living in social house seem to spend a high proportion on there income/benefits @ christmas.

Nothing like a sweeping generalization to get into the festive spirit eh Scrooge

PanCakeGirl

Any company willing to give you a loan are probably scammers after an admin fee of £35-£70, you never get the loan just in a worse situation....Like me!

This year I have sold all my old stuff on eBay to make a bit of cash for christmas pressies, there are plenty of ways to make Christmas special and earn some cash with out getting into debt.

viktory

mishca_loves_a_bargain wrote: »

Yes the £500 was for the whole day, Xmas pressies, the dinner. It was really just a thought, but now i can see that borrowing £500 today might be good for getting me and the kids through Christmas, but its not really worth it in long run..........

Silly amount of money - I earn well over £25k a year and am spending less than that this year.

Morgan_Ree wrote: »

You're completely missing the point
If the OP wants to get a loan out for Xmas, it's HER choice, she didn't come here asking for opinions, she came her to ask if and how it could be done

From the OP's recent posts it's obvious she's having a really !!!! time of it at the minute, if having a nice Xmas for her and her kids is going to make her feel that little bit better then who the hell do you think you are to try and make her feel bad for it

Some of the other posters have given her excellent advice, such as letting the kids look through a catalogue and setting limits, shame all you and so many others have done is judge

You are a fool if you truly cannot see that you are not helping the OP. You state that the OP asked IF and HOW it could be done - many of us pointed out that it could NOT be done without causing greater hardship in the new year.

savingmummy

I wouldn`t get into debt, thats what i did but instead of a loan i used catologues. Really is not worth it.
This year we have nothing to spend out like we normally do, BUT every weekend over the past few months i have been going to the cheap shops and 99pshops and have got some great things. I even made up hampers and used the ideas on the christmas savings forum.
Children really don`t care about the value. x

Kirri

How about explaining money is tight this year but start by saving a little a week from January so you can all look forward to it next year? It's better than you being stressed trying to pay back a loan.

£500 is a huge amount to spend in the situation, but there are lots of food and gift offers around at the moment, keep things cheaper this year and get on track for 2010