help with debts...new here

carlih1

Ho,

I am a single parent also, i love love love next clothes mainly for the fact that a lot of them are cotton and do not interfer with my dd's ezcema. However i had a cat with Next and got into trouble with them so i paid off the balance and cancelled the account. I do not even get the catalogue now. Instead i save up £150 for both kids and go in and spend that every few months or so could be 6!!!! They still have lovely clothes and if you team it up with bits from Asda's George (made by the same person and company as next!!!) YOu have a lot less expensive but still gorgeous outfits.

hth

Carli

lynzpower

Also note, that there are factory outlets for next and they are half of the sale price if not less, in some areas they are called Next to nothing.

I would NEVER pay full wack at next anymore, never.

HazelEyes_3

If you have a lot of Next clothes which are outgrown can you sell them on Ebay and then put the proceeds towards buying new in store? Or you might be able to find larger sizes on Ebay and save money that way.

chevalier

louisechackett wrote:

the rate will be 15.9%

I think i would be very inclined to cut up all my cards and things. Im just sick of being in debt.

With the next i think i may use it again, as i buy my sons clothes from there, but i would be more inclined to spend what i can afford

Next is a very expensive place to buy baby clothes, and I would suggest not only selling the ones your child has grown out of, but also buying your 'new' clothes for them from there. You regularly see bundles on there saying they are 100% Next, and they go for quite a high amount, but it would be far cheaper than buying from Next new. It may be that you will need to look at cheaper providers of clothes whilst you are paying off this debt. All the big superstores do lovely clothes for babies and young children, and I find Woolies ladybird range lasts really well. I have also found a lot of Next clothes in charity shops too, so perhaps that might also be a way forward.

Best of luck
chev

Dolly_Smith

Next Directory is 26.49% - I can tell you that right now because I had £500 on there and am paying off like the clappers - you then need to shut it. They charge you £3.50 for every Directory, £3.50 for every delivery and then that extortionate interest!

Dolly_Smith

forgot to say, Woolworths do ok clothes - all the supermarkets (partic. Sainsburys) do great cheap baby clothes, and Adams aswell. I use Next for work clothes but not kids

lil'H

louisechackett wrote:

the rate will be 15.9%

I think i would be very inclined to cut up all my cards and things. Im just sick of being in debt.

With the next i think i may use it again, as i buy my sons clothes from there, but i would be more inclined to spend what i can afford

just a quick thing, you say you will use NEXt agian for sons clothes, this may be part of the reason you are in debt. I used to buy NEXT for DS before realising how expensive they are. Also noticed every other child was wearing the same as him! Have you got a primark near you, great stuff, good quality etc and tops from a pound trousers from £3/4. I love them, if not, how about Asda clothes for kids. Cutting spending on his clothes will help you over pay, and when your rich famous and debt free you can make up for it by buying him Armani and Guuci!:rotfl:

Lil'H

skintas_2

dont worry about next when i owe littlewoods £210 a month, owe them over £1,000. getting paid next week for supervising and delivering yellow pages delivered 6 routes. this money is al goin to debts except £100 saving xmas. look in your paper try to get some work delvering as they are going out now, bt phone books soon, then novemeber thompson local, extra for xmas, i do it for mot money...good luck

skintas_2

try and get a evening job or babysitting, or local pub a few hours in the week and weekends, bills will soon go down

piglet6

Hi Louise, welcome to the boards! Also, well done for recognising that you have a problem that needs to be dealt with!:T

I got into a bit of trouble a few days ago, suggesting that a poster may want to address "reality" for the sake of her kids before "reality really hurt them"...:o I regret this post as I feel it was misunderstood by the OP, but at the risk of getting into trouble again, I would like to suggest the same for you, but this time I would like to explain myself a little better (I didn't come back and explain myself in my original "harsh" sounding post at the request of the original poster who felt that the post had gone far enough, so I didn't like to push it...having been called "crazy", I was fairly sure that the OP had misunderstood my original thread and was in no mood to listen to explanations while I tried to explain/excuse myself...!). In your case, I would recommend the same thing, but would like to explain the "reality really hurting" part...I mean that at the age your children currently are, they will not personally "feel" hurt by being denied "Next" clothing/satellite TV/extravagant treats, whereas if you wait for 5-10 years, until your children are in a position to "expect" these things, it will hurt them more to give them up and go without them...:o. If the "reality" is that you can't afford these things, I think it is better to face these things sooner, rather than later...apart from anything else, if you sort it out sooner, chances are you will be in a position to go back to buying Next clothes (but going into the shop and paying cash, like you say above) much sooner!

I hope that you will take this advice a little better than the last time I posted it - my sentiment in posting it is the same, but I hope my "phrasing" of the situation is a little better this time! To be honest, I don't think a toddler can tell the difference between clothes from Next and those from Asda (which, in my opinion, still look pretty funky, but are a fraction of the price!);).

I wish you the best of luck with paying off your debts (in whichever way you choose...) and hope that you will keep posting here on the DFW board so that we can all follow your progress...:D

Piglet