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Can someone PLEASE give me some advice

2

Comments

  • goggins1977
    goggins1977 Posts: 562 Forumite
    I dont mind contacting them myself,do people not think a loan to be a good idea then ????
    I have cut up the cards and will not be using them again i have learnt my lesson ...

    Thanks for all the advice peeps
    Will this hammy hunt ever end ???
    So far all 4 hamsters £40,3 beds £15,Skate board and u turn £22,House £25 total £97.00 ....still wanting wheel,car,slide,ball,surf board ....
    HAPPY CHRISTMAS EVERY ONE :rotfl:
  • lynzpower
    lynzpower Posts: 25,311 Forumite
    10,000 Posts Combo Breaker
    this 150 a month you have as income, is it a job? Or is it from your partner?
    :beer: Well aint funny how its the little things in life that mean the most? Not where you live, the car you drive or the price tag on your clothes.
    Theres no dollar sign on piece of mind
    This Ive come to know...
    So if you agree have a drink with me, raise your glasses for a toast :beer:
  • goggins1977
    goggins1977 Posts: 562 Forumite
    Its tax credit and child benefit
    Will this hammy hunt ever end ???
    So far all 4 hamsters £40,3 beds £15,Skate board and u turn £22,House £25 total £97.00 ....still wanting wheel,car,slide,ball,surf board ....
    HAPPY CHRISTMAS EVERY ONE :rotfl:
  • black-saturn
    black-saturn Posts: 13,935 Forumite
    10,000 Posts Combo Breaker
    So does your partner not give you any money from his earnings for the children or baby equipment?

    Sounds like your in the same boat as me when I was with my ex. I used to get £17 per week and out of that had to come my travel to and from college, the weeks food and the clothes and shoes for the children. I was also paying off debt too.
    2008 Comping Challenge
    Won so far - £3010 Needed - £230
    Debt free since Oct 2004
  • goggins1977
    goggins1977 Posts: 562 Forumite
    He doesnt give me any money at all ,when i ask for any he does give it to me but i feel like i am asking for money all the time hence the 5k debt ....I know i can sort it out i just want to stop worrying that the £150 i have wont cover the payments ,i have got quite a bit of stuff that i could sell to raise a bit of cash so i need to get off my bum and get uploading onto ebay quick
    Will this hammy hunt ever end ???
    So far all 4 hamsters £40,3 beds £15,Skate board and u turn £22,House £25 total £97.00 ....still wanting wheel,car,slide,ball,surf board ....
    HAPPY CHRISTMAS EVERY ONE :rotfl:
  • tryhard_2
    tryhard_2 Posts: 348 Forumite
    goggins1977 wrote:
    Debt £1960.27 Lloyds TSB 15.9%
    £2930.00 GE Money 0% until june this year

    what are the minimum payments on your cards? what is the limit on the 0% card?
    TH
  • black-saturn
    black-saturn Posts: 13,935 Forumite
    10,000 Posts Combo Breaker
    Yep, have a good sort out and sell anything you don't use anymore. CD's, DVDs, clothes, videos, shoes, coats etc etc. You'll be amazed at how much you'll get for them and it will pay off a good chunk of the debt.
    2008 Comping Challenge
    Won so far - £3010 Needed - £230
    Debt free since Oct 2004
  • goggins1977
    goggins1977 Posts: 562 Forumite
    tryhard wrote:
    what are the minimum payments on your cards? what is the limit on the 0% card?

    The limit is £3500 on the 0% card the minimum payment is £90 the tsb card the limit is £9k and minimum payment for december was £47.94
    Will this hammy hunt ever end ???
    So far all 4 hamsters £40,3 beds £15,Skate board and u turn £22,House £25 total £97.00 ....still wanting wheel,car,slide,ball,surf board ....
    HAPPY CHRISTMAS EVERY ONE :rotfl:
  • tryhard_2
    tryhard_2 Posts: 348 Forumite
    shift the debt from tsb card to 0% card - at least that amount will not incur 15.9% interest
    TH
  • SunderlandBlackCat
    SunderlandBlackCat Posts: 1,225 Forumite
    goggins1977 wrote:
    The limit is £3500 on the 0% card the minimum payment is £90 the tsb card the limit is £9k and minimum payment for december was £47.94

    I would transfer as much as possible on to the 0% card asap to minimise the amount of money you're repaying being lost in interest.

    Applying for a loan in your situation is probably not a good idea as any lender who accepts you would probably want a horrendous APR.
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