Help! What would you do??

Seaxwyn

Well you've certainly had a lot of good suggestions - this is such a brilliant site for getting friendly and knowledgeable advice!

Well done you for examining all the options. I do admire the way you have paid off so much debt despite not huge income and wish I had even a tenth of your determination..

As for the man v. schoolboy thing - perhaps it's always debateable. My OH has a schoolboy streak and he is 57!

in_debt_again_but_dealing_with_it

ditto to that seaxwyn and mines nearly 46!!
IA you are an inspiration to me, have read your diary, laughed with you, cried with you, if I'd had half your strength and determination at your age I'd be a millionaire by now. Well done on your achievements and keep up the good work - you really should consider a writing career - get your diaries published girl!!

moonlightpjs

Hi Immoral - I'm probably going to get slated for this but I would buy a new TV - why pay for something you don't actually own?? You would probably get a good few years out of a new TV and if you add up what it would cost you to rent a TV for those years I bet it more than trebles what you are going to spend on a new one.

If getting 0% finance isn't an option then just buy one - but make sure you get a good deal - discount for cash and all that and then just plow the extra money you would have been paying rental onto DP's. Knowing you and reading your dairy, it wont be long until its paid off anyway

Try and set a budget for the TV though and make sure you dont go over it - there are some good deals out there and any money you have extra - including the £60 Big Posh TV Fund could be used for DP's.

immoral_angeluk

Seaxwyn wrote:

Well you've certainly had a lot of good suggestions - this is such a brilliant site for getting friendly and knowledgeable advice!

Well done you for examining all the options. I do admire the way you have paid off so much debt despite not huge income and wish I had even a tenth of your determination..

As for the man v. schoolboy thing - perhaps it's always debateable. My OH has a schoolboy streak and he is 57!

I don't think men ever grow up do they? lol! Luckily DH is starting to come around to my way of thinking when it comes to money and paying off our debt so I know that he'll logically think about it rather than just wanting to buy a new one and that be that.
Going to put forward these options to him and see what he says.

1. Cancel contract and get cheap/free tv to make do until we've paid off all debt and pay off dotty p's. Saving £55 a month
2. Offer to buy our current tv from rental company for reduced price and pay any surplus off dotty p's. Save at least £36.59 a month
3. Cancel contract and buy new tv with dotty p's money and started saving for dotty p's again. Save £36.59 a month
4. Buy new tv and balance transfer dotty p's to barclaycard if they'll let me. Saving at least £36.59 a month depending on new barclay card in payment.
5. Pay off dotty p's and attempt to get new tv on 0% (Not likely to be accepted though.) Save £0 as interest free will probably be as much as dotty p's if not more.
6. Rerent and try to get a cheaper tv or negotiate a cheaper deal for current one. Saving at least £19 a month

in_debt_again_but_dealing_with_it

I have to admit weller I'm with you on this!

jobbingmusician

If the TV is the biggest thing in his life, you obviously have to buy one, and £480-£500 isn't bad. So if you throw away all the posts on here which advise NOT getting a TV, you are left with the following excellent advice, all of which I endorse.

1. Buy a TV and make extra payments to DP with the freed up money each month.

2. Buy a TV interest free if you can.

3.If you can't buy interest free, MAKE SURE YOU BUY AT AN INTEREST RATE LOWER THAN DP!!! (That way you will save money, as long as you throw as much as you can at the debt every month). Yes, it does feel horrible taking on a new debt, but you are doing it to save money

4. When considering your interest free options, include things like catalogues (Freemans did brill offers on TVs at one point, which were posted on here).

5. Use Kelkoo, Pricerunner etc to see if you are paying the best price (INCLUDING whatever interest you end up with, whether it is TV interest or DP interest)

6. Try the stuff recommended with the TV hire company - they sound to be taking the p*ss, atm!!!

Good luck and let us know what you decide

Edit...While I was writing this you did your own good summary.....

immoral_angeluk

in_debt_again_and_stupid wrote:

ditto to that seaxwyn and mines nearly 46!!
IA you are an inspiration to me, have read your diary, laughed with you, cried with you, if I'd had half your strength and determination at your age I'd be a millionaire by now. Well done on your achievements and keep up the good work - you really should consider a writing career - get your diaries published girl!!

aww thank you! I've haven't got enough hours in the day to start a writing career! lol!

GirlRacer_2

Hi IA,

I can sympathise with your DH, I'm a gadget person as well!!!! I'd get the TV and pay the extra to Dotty P. Don't think you'll be long clearing the Dotty P (going by the rate you've paid off other things). Just think you'll be paying Dotty P the £19 you currently pay plus the £36 you pay for the TV, so it'll come down in no time.

immoral_angeluk

Thanks for that jobbing... to be honest I'd rather buy one outright cash that end up with another debt, even if it was interest free. Sounds daft but I know the monthly payment for one would be haunting me and my budgets! lol!! :rotfl:

immoral_angeluk

Also another part of this is do I
a) act the strict wife and get my own way
b) let him get the tv and have him twisted around my little finger for the rest of our lives?

:rotfl: :rotfl: :rotfl: :rotfl: :rotfl: :rotfl: :rotfl: :rotfl: :rotfl: