Is this debt thing a disease???

Glass_Half_Empty??

saubryn wrote:

Ouch @ that car finance!

I would clear that catalogue debt, then lock up the catalogues! Buy now pay later is the last thing you need when you're already paying other stuff off IMO. It might not be this way for you, but its a budgetting nightmare for me and I usually make the later a bit too late, and end up paying interest

If you must have a 360, why not get a Core system pre-owned, then save up a bit more for a hard drive later. I survived several months without the hard drive, only getting one when there was a game on Live arcade I desperately wanted, and didn't have space for on the memory card.

If you get one pre-owned you are probably looking at 120 quid now for the console+controller and memory card. Some of the games are down to 15 quid pre-owned (although a lot of them are more expensive) then 70 quid for a hard drive later down the line. Works out essentially the same cost, but its easier to spread out.

Why not go for the upgraded license, then if you pass first time blow the rest celebrating? If you don't pass, then invest the rest in trying again? Or would that be too much pressure, instead of an incentive?

Thanks for the advice regarding the 360, I will look round now for something second hand or try to see if it will go down in Jan and get one new. It is just the waiting bit, I want to get on "live" and play some footy but it's killing me waiting

lynzpower

no offence mate, but if I was your GF and you bought a playstation instead of paying me back what you owed me, by god, Id make you suffer. I think you should pay her back

Glass_Half_Empty??

Ha ha ha, I have already offered her her money back before I clear any debts but she doesn't need it. She has just got a new job with a 5k pay rise so she said to give it her when I have got it so take your back;)

earwig

hi
i know how you feel im the same i never can save money when i do somthing gose wrong typical example i had 200 saved oh got sick and no pay for two week so 200 now gone and had to borrow from m i l to have enough to pay the rent

i allways have that i want it now mentality and bully myself how other people live if they can aford it why cant i i guess they cant aford it etheir and i bet there up to their necks in debt

i understand where you are coming from i use them buy now pay it latter deals i think there fine so long as you dont go for the added intress and dont order anything else untill you have paid of your previous order

Donedoingdebt

Glass_Half_Empty?? wrote:

I know it is probably what I should do, although Littlewoods will be gone next week as I am paying off the last 50 quid to clear it intaed of going to watch Forest and Additions will be down possibly even gone by the time my money comes back to me.

At least you're not missing something good like Cardiff City!

Broken_hearted

When I can't decide I split the money in half. The first lot goes off the bills and the the second is mine to do with as I please. If it's not enough I bank it until I can afford the treat I want.

Willsnarf1983

Donedoingdebt wrote:

At least you're not missing something good like Cardiff City!

or Norwi.......no wait scratch that we are crap at the mo!!!

Worthless out

OTBC

Will

Donedoingdebt

Willsnarf1983 wrote:

or Norwi.......no wait scratch that we are crap at the mo!!!

Worthless out

OTBC

Will

Our old player Earnshaw seems to be doing ok for you.

kuohu

Glass_Half_Empty?? wrote:

Ha ha ha, I have already offered her her money back before I clear any debts but she doesn't need it. She has just got a new job with a 5k pay rise so she said to give it her when I have got it so take your back;)

I'd still pay back any family/friends before buying an XBox 360. Your g/f may not need the money, but it's the principle. And what about the money owing to your Dad? What would he think of you buying the XBox with money owed to him?

Just a thought. I know I'd love an XBox too, but I just can't afford one. The debts have to come first. Once my debts are cleared *then* I can save for a better car and a holiday.

Emmzi

give it to her when you've got it... in MY mind means 'as soon as you have it.' otherwise you risk building up all kinds of resentment.

Maybe it's a girl thing, but I'd go BALLISTIC!!!!!!