provident personal credit

Anthillmob

th OP is not on benefits and partner works 36 hours a week so i cant see why she needs a loan, just better money management perhaps.

mummytohollieandpinkbump

hi thanks everyone for your messages have taken into account what you have said and wont get a loan with them.

i guess i'll have to wait til august/sewptember time when i hopefully get the sure start grant. til then my daughter will have to kip with us (bit cramped and get punched or kicked when she moves about but i can cope with that)

i also will be buying the things i need for baby second hand like i did with my daughter.

freecycle i am registered with and look on there daily and i'm always on ebay looking for the odd bargain thats clse to my hometown.

thanks again help is greatly appriciated.


btw anthillmob my partner gets a pittance of a wage and has just payed a deposit and rent month in advance for us to get a nicer house and thats why we need a loan as he can't afford to buy what we need and i cant use my tax credits as that all goes on my daughter.

wouldnt be bothered about decorating but the wallpaper is ripped in most of the rooms and my daughters favorite game is to rip the wallpaper (should see our current house lol:rotfl: )

also got some paint from wilkos as they had an offer on but thats 2 tins of paint til i can afford some more.

cant get a loan as a) not on the right benefits and b) if i was elligable they would harldy give me one for decorating and baby things.

thanks again

luv leigh,hollie and pink bump x x x

[Deleted User]

Provident are the equivilent of legal loan sharks they take a little but want a lot in return. I suggest you consider pretty much any other option, including getting food from the back of supermarket bins over taking a loan from them. If you dont understand APRs then think of it this way what ever you get from provident you will have to pay back several times.

You can get a cot and a pram for naff all second hand. Live debt free its the only way to be and its the only way you can get anywhere in life.

katepnlo

Sit down and right out a list of all your incomings and all your outgoings, i am sure if we could see you would get some advice on how to cut back. That is a start.

B & Q do value paint and it is not bad at all, huge tub for very little, if it was me i would strip the rooms that need it, if you can fill holes ad paint magnolia (the b&q tub would prob do a whole house!) if not use lining paper, you can get b&q value, get a middle thickness one and it will hide any damage on walls.
how old is your daughter? ca you ask on freecycle for a cot or toddler bed? i did this and have a lovely imaculate toddler bed!
when childre are young they do't 'need' much at all. as for a new baby, bootfairs or ebay, you can get bundles of clothes easily, plain white bundles go nice and cheaply.
I take it you have a buggy, have you thought of using a slig for new baby? these are woderfull and i have to say is my most worth while purchase this time, we only just bought dd a buggy and she is 20m!! a pouch is really simple to use if you size yourself properly, ring slings are great and you can get so many fashionable ones now to, simple linnen to silk and i can give you may sites that stock at good prices and even second hand ones.
you can pick up second hand double buggies cheaply too, especialy on ebay.
As a mother of 4 who has spent the last two years clearing debt and havig a baby at the same time i can hand on heart say i could easily get all i need for a new baby and get a house to a comfy living standard. (maybe not carpets though..)
if you want any help send me a message, i would love to give some advice, it is amazing how far money can stretch!
why does your tax credits all go on your daughter? total genuine query as i can't see how on earth you can spend so much on one child!
you have child benefit, wage, tax credits that is all for living costs first (that is why you could do a list so we could see where you could cut back..i have cut back by about 100.00 per month from lookig into it..100 less to the big companies and that is 100 i our pockets) you then take the money left as your pocket money.

YOU really shouldnt get a loan, you can easily sort this i promise.
We are not on a pitance of a wage anymore but i have lived on virtualy nothing when my hubby left his job to start his own company so i have been there, but we have come out the other side.
Provident are sharks.

if i can help i anyway let me know
kate

margaretclare

Hi

I know about littl'uns tearing wallpaper/scribbling on the walls.

I would rip all the old paper off and paint everywhere with washable paint. You can get 'industrial' grade paint i.e. meant to stand up to hard wear and frequent washing. This is far better than re-papering and you stand back to admire a weekend's hard work, then along comes Hollie and rips the whole lot all over again, or comes with crayons!

You could paint the walls in plain light colours and then let her loose with crayons, let her draw some murals for you, in the way that young parents proudly display the children's drawings stuck on to the fridge!

We are a pair of wrinklies, could be great-grandparents (but it's another story why we're not). So we've been there and got several boxes of T-shirts to prove it...When my 2 daughters were babies we didn't use new prams, cots, anything. Everything was either second-hand (well-scrubbed and repainted if necessary) or things given by friends and family. If you go to a Mother and Toddler group like the one at our church, people are always advertising things they no longer need, bags of outgrown clothes etc.

We have NO wallpaper any more in our bungalow, have done it room-by-room and all the walls are painted in pastel shades, light and easy to live with. I wouldn't bother with wallpaper any more.

Also, don't think you have to do it all in one go - that's a temptation when you're young and want it all nice. Do it a bit at a time, as you can afford it. Do one room at a time.

My GD was lucky to get a bed when she moved into her council flat, but I admire her for not being too proud to take 'previously used'. These things are out there. I've seen ads in our local paper - the contents of a 'guest room', fully furnished, slept in perhaps half a dozen time, the whole lot - bed and all the furniture - going free. Keep looking, and don't touch Provident with the proverbial barge-pole!

HTH

Margaret

mummytohollieandpinkbump

hi thanks for your replys.

i rarely buy brand new for ym daughtwer and wont be with this one either.

my daughters pram and travel system were second hand so wa sher cot and lots of her clothes. the only thing i'll be buying brand new is a double pram as i need one that will last and with some second hand ones they dont.

also look on freecycle alot too but so far no look as of yet.

we was going to buy cheap lining paper then paint the walls not actually buy expensive wallpaper. got some cheap magnolia emulsion from wilkos which should do the living room and back room and getting the lninig paper next week hopefully when i get my tax credits if i can afford to.

i like your idea of letting her losse with crayons and do a muriel but i think i will stick to pictures attached to the fridge for now.

we have a toddler bed for our daughter but shes far to young and small to go in it yet.hoping to have her in it before the baby comes along but i think it will be alot longer as when she wakes she likes to try and climb out of her cot or our bed so can see ehr doing the same and then hurting herself on the chest of drawers or wardrobe.

thanks again for all your advise and tips

luv leigh,hollie and pink bump x x x

margaretclare

No, don't bother with the lining paper! If the plaster is in decent nick just paint straight on to the plaster. Far easier, and easier to 'touch up' later if it gets damaged by Hollie running her trike into it!

We were surprised how easy it was to emulsion-paint straight on to the plaster in this 1930s bungalow, we're pleased with how it looks and now we'll never bother with wallpaper again.

Good luck!

Margaret

anniecave

mummytohollieandpinkbump -
whereabouts do you live?
I'm sure someone has a double pram somewhere they dont need..... !

xgingerx

Hi, unfortunately I dont have what you need, if i did I would have given it you, but u never know someone else might have one they are getting rid of that might pass your way

You never know

Good Luck !