a little help for a newbie.

27col

If you want to thank people then thank them,. It would be an act of the utmost stupidity to get into even more debt, that you obviously cannot afford, just to say thank you to someone. You really need to get your priorities sorted.
To put this as gently as I can. If you even consider borrowing more money for this harebrained scheme of yours then you are an idiot. I agree with the statement in post #11. They(your friends and family) will be extremely annoyed if you go ahead with this.

barbarawright

Make them some fudge. Who doesn't love home-made fudge? Nobody, that's who. I'd rather have fudge than 90% of the presents I've received in my adult life.

opinions4u

barbarawright wrote: »

Make them some fudge. Who doesn't love home-made fudge? Nobody, that's who. I'd rather have fudge than 90% of the presents I've received in my adult life.

Or cookies or similar.

Cheap ingredients, google a recipe and an hour of effort.

Then you get to share too!

DCFC79

barbarawright wrote: »

Make them some fudge. Who doesn't love home-made fudge? Nobody, that's who. I'd rather have fudge than 90% of the presents I've received in my adult life.

I wouldnt turn fudge down,

27col

Yep! Fudge would be good.

dealer_wins

leeb252 wrote: »

Hi all, I have had a problem with payday loans in the past. I had about 8-9 at the same time and the interest alone was more than I was making in a month.

Recently I have turned it all around.. ALOT I still have 2 pdl left and I am coping by paying £25 a month to each (which I can afford)
Now my problem is that I need to find some money within the next 2 months (November is a busy period ((Lots of birthdays))

DO you think I should go down the route of borrowing £150 from Moneyshop then repay 180- take out another 150 - payback 200 - takeout 130 - repay 220 etc etc, or should I get a new phone from orange £30 a month sell the phone I get to one of the cash brokers for £300?

both prob not great ideas but out of the 2 which would you suggest?

Do you really think the people who [STRIKE] helped you [/STRIKE], are helping you to get out of debt would actually want you to get into more debt by buying them an expensive gift.

If it were me I would see it as a big insult.

CHR15

I think if it were me those presents would hit you in the backside after I had kicked you down the garden.

roh999

leeb252 wrote: »

Hi all, I have had a problem with payday loans in the past. I had about 8-9 at the same time and the interest alone was more than I was making in a month.

Recently I have turned it all around.. ALOT I still have 2 pdl left and I am coping by paying £25 a month to each (which I can afford)
Now my problem is that I need to find some money within the next 2 months (November is a busy period ((Lots of birthdays))

DO you think I should go down the route of borrowing £150 from Moneyshop then repay 180- take out another 150 - payback 200 - takeout 130 - repay 220 etc etc, or should I get a new phone from orange £30 a month sell the phone I get to one of the cash brokers for £300?

both prob not great ideas but out of the 2 which would you suggest?

you sound like youve got your head screwed on,why not go the whole hog and get all the pdl's u can and the phone,and get em something special,worry about the pdl companies ripping you off next year.

pheonixrising21

Maybe bake a cake? Put some effort into the decoration? Maybe even cook a nice meal for them? You can get some really nice ingredients for not much money and with a bit of effort you can make a really nice evening for them.

Like many people have said, if I was one of your friends/family who had stood by you and supported you through the debt, I wouldn't appreciate you borrowing again just to buy me a birthday present. I'd look forward to you buying one out of savings next year!

bargainbetty

How about printing up some vouchers for them to go with a cake? A night of baby-sitting, a massage, car-washing for a month, cakes every fortnight for two months, taxi service for a week - you get the idea?

I have a friend who did this - he bought me an expensive gift to say thank you for helping him get out of debt. I genuinely could have slapped him. I made him take it back, get the money, and let him buy me a pint instead. He realised that he wouldn't have had enough for food and bills that month, had I taken the gift.

If you want to thank them, stop being an !!! about money and learn to live within your means.