I have been refused 0% credit card and need help to sort out our finances please.

poohbear59

Tixy wrote: »

Well there is probably a seperate board that auctions should come under but 3dogs (who Ames was referring to) goes to loads and I'm sure could give you a beginners guide - she certainly gets good deals, I'll ask her to take a look across here.

Thank you for being so helpful:A

Marisco, brilliant idea. They need extra jobs to keep them out of trouble.

poohbear59

I have just done the snowball debt calculator and it suggests I should be paying more off the credit cards each month than I can actually afford:( If I just make minimum payments for now, I would have more to spend on the cottage.

3Dogs

Hiya PB59 - Tixy asked if I could look over here and offer some advice on auctions

She was right, I go to lots and get great bargains there. I have a near full room size New Zealand Wool rug which I got for £5, a settee and armchair for about £26, chests of drawers from £2 to £15, Table and chairs for £10, wardrobes for £10, the list goes on - we can update our look if other stuff takes our fancy. You can even buy beds in new condition - or bedstead and buy new mattress. You can even get your white goods there, but you have to be careful - all electrics have to pass a safety test but this does not mean they work, only that you won't get an electric shock!!

I don't know where you live, but there should be an auction house near you that has general sales - they are the ones to look for. If you want to PM me to let me know whereabouts you live, I could check it out for you. Otherwise, google auction rooms with your town and then check their web-sites to see if they have general sales, or just antiques/collectables

It would be best to go to one or a few for a couple of times to get an idea of how it all works and how much things tend to go for. And remember there will be commission on your hammer price - generally about 15 - 20 %. And don't be frightened that you will scratch your nose and have bought something - you need to clearly raise your hand or auction number/catalogue to bid

I can thoroughly recommend it, especially in your position 'cause if anything gets ruined by guests it can be replaced cheaply. Though remember, it is not like a shop - they might not have what you want the first time you go so you might have to go a few times to get everything you need - but watch out, they are addictive

You can get good bits at car boots too - the bigger the car boot, the more likely they will have furniture items

If you need any more advice please PM me and I will be more than happy to help, or ask on here as I will pop in again to check how you are doing

All the best
3Dogs

Mrs_Jojo

Freegle is for keeping things out of landfill, if you post that you want something 'to furnish my holiday cottage' then only people who are happy for you to do that will reply - if you are feeling very helpful you can add 'which I am planning to let' - personally, I tend to post and tell people I don't care why they want something, I just want it out of my house! Similarly, when replying to an offer, just say it is for my holiday cottage etc etc and only people who are fine with that will respond.

poohbear59

3Dogs Thank you for all the advice. I will certainly look for furniture etc in an auction now. I had never considered it before I asked on here.

To be honest I have shied away from posting a SOA for a long time when I should have done so earlier. Everyone has been so very helpful. It is probably because I was so embedded in trying to find the finance I couldn't see other ways of doing things.

When we are nearer to putting things into the house I will start to ask on Freegle. I really wanted to put feelers out to see what other people thought about using Freegle.

At the moment we have a new roof, most of the walls plastered, all the bathroom fittings (I got in a sale), some walls painted, electrics almost finished, new external doors and windows, but no stairs, doors or doorframes, skirtings, tiling, floor coverings or heating system. Kitchen has been ordered:)


We have done most of this by being extremely frugal and spending as little as we thought possible on our living expenses.

SouthCoast

I haven't insured the barn yet

:eek:

Contact Business Debtline:

http://www.bdl.org.uk/

vampirotoothus

Hi could you live in the barn and rent the house as a holiday let? It would probably be OK during the summer and I know living in a building site is no fun (i'm doing it), you may be able to ease your cash flow.

Good luck Janey

poohbear59

janek1711 wrote: »

Hi could you live in the barn and rent the house as a holiday let? It would probably be OK during the summer and I know living in a building site is no fun (i'm doing it), you may be able to ease your cash flow.

Good luck Janey

Thanks, That is a good ides. We have thought about it but we have building work needing to be done in the house. It isn't in a fit state to be let. We have had the local estate agent look at it and he agrees.

poohbear59

SouthCoast wrote: »

:eek:

Contact Business Debtline:

http://www.bdl.org.uk/

Thanks for the info. I don't have a business yet so will they still be able to help me?