refused a 7k loan!!!

custardy

zarazara wrote: »

If you earn that much why on earth do you need a loan?

it doesnt really matter what you earn
someone on min wage looks at someone on £25K as if they make a fortune
the person £25K looks on someone on £50K as being rich etc etc
its all about outgoings and what you spend
once you are bogged down with commitments and liabilites up to your income then its little matter how much you earn
on £5K a month I would easily have over £3.5K spare cash,but for how long before i adjusted my spending habits to cut into that?

Tixy

How much do you owe on your credit cards?

But really - could you not have had a perfect 'just right' wedding for £30k?, does it really need to be £37k?
I do try not to judge people but in all honesty I think that is an obscene amount of money to spend on 1 day.

molerat

mariadurham wrote: »

..paying a 150 a month for a loan would be easy peasy....!!!

But your credit profile says otherwise. They do not look at you, just a pile of numbers in front of them. If they don't add up then it's a no.

mariadurham

so has anyone got any suggestions for that quickie cash flow fix?

liam8282

Pawn / sell some of your belongings?

rainbowfairydust

briona wrote: »

A 97K pa salary equates to a take home of £5,295pm. If you're spending this and up to 2K more each month I'm not surprised your application was declined. How you would service the loan?

im :eek: at how anyone could spend 5 grand a month !

antenna

mariadurham wrote: »

so has anyone got any suggestions for that quickie cash flow fix?

Didn't i see you on "Beat The Bailiff" the other week?

alfiesmum

mariadurham wrote: »

i have approx 7k on cards and actually got the amount wrong its been about £20k on wedding not 30...its my 2nd time around and want to enjoy it...worked very hard for what i earn so think i deserve a special day

As you were 10K out on your estimate of what you've spent on your wedding, why not use that spare 10K as the 7K you need.:D

Sorry can't suggest anything else though. Good luck and congratulations.

jimbms

I may be wrong but can someone please tell me how anyone can justify spending £20k on a wedding second time around, just think how far £20k would go to paying your debts off rather than a glorified boozup and free meal for a bunch of people most of who you will rarely see again. In case anyone asks we got married 26yrs ago and still happy together, had a cheap do in a pub upstairs and spent the money on a bigger deposit for a house so a big wedding does not always equal happiness.

weehev

£5k+ a month take home salary??

oh what id give to earn that for a few months...........