Advice Please £16000 Debt 8 Months Pregnant

Merlot

Evening Mrs T,

have you applied for many cards in the past 6 months or loans for that matter, if not I would suggest that you move the bank of scotland onto a 0% or a 5.9% lifetime transfer balance for example.

Off to see to DS2 whos just woken up, I'll be back.

Merlot

Setanta Sports £10.00 I will cancel this tmrw every penny counts right


Its a pack of nappies and baby wipes, make sure you look out for offers on the essential bits and bobs you need for your baby, it can soon add up. Don't forget to use your Nectar card in Sainsburys, every little helps as Tesco says.

Snaggles

Oh, that reminds me - if you have an Asda nearby, they are having a baby week this week, with lots of offers on baby stuff. I bought a stair gate for £15, and have stocked up on nappies and wipes.

-MRS_T-

Hi Snaggles/Merlot

Now you can see why I was desperate to post snaggles :-) Thanks for your comments I have been on here a lot latley since Ive discovered the site basically reading up on saving money on shopping etc and also how to make more money from sites like pigsback etc and I am going to try some of them. I am quite good with the computer and pick this up quite easily so I will give anything a a try. Like you say even if its only 30-30 quid a month its something extra. I am also very good at using vouchers and offers that supermarkets are doing, and use my nectar card everywhere merlot except sainsburys I feel you need a bank loan to shop in there lol.

I am sure you are right about it feeling yesterday about having your little baby snaggles my pregnancy has went in so fast time just disappears. I am keeping my fingers x that I have a quick labour too, if not ill be sure any keep the tradition up.

The only things I have applied for recently merlot are the barclaycard which i got in october and the tesco loan which was a joint application that was this month and we got declined so i am frightened to apply for anything else incase it hurts my credit score.

-MRS_T-

oh and what does ds2 mean?

Merlot

-MRS_T- wrote: »

oh and what does ds2 mean?

Other half/Darling son 2

Sorry I am confusing you.

-MRS_T-

i thot it meant dear son so I was nearly right. Ive got all this to look forward to. Im surprised youve got the energy to be up at this time of night

Merlot

-MRS_T- wrote: »

Hi Snaggles/Merlot

Now you can see why I was desperate to post snaggles :-) Thanks for your comments I have been on here a lot latley since Ive discovered the site basically reading up on saving money on shopping etc and also how to make more money from sites like pigsback etc and I am going to try some of them. I am quite good with the computer and pick this up quite easily so I will give anything a a try. Like you say even if its only 30-30 quid a month its something extra. I am also very good at using vouchers and offers that supermarkets are doing, and use my nectar card everywhere merlot except sainsburys I feel you need a bank loan to shop in there lol.

I am sure you are right about it feeling yesterday about having your little baby snaggles my pregnancy has went in so fast time just disappears. I am keeping my fingers x that I have a quick labour too, if not ill be sure any keep the tradition up.

The only things I have applied for recently merlot are the barclaycard which i got in october and the tesco loan which was a joint application that was this month and we got declined so i am frightened to apply for anything else incase it hurts my credit score.

Get your credit reference reports from Experian and Equifax (martins link here for you to read)http://www.moneysavingexpert.com/banking/credit-rating-credit-score and see how your credit rating is, you may have been refused because of the amount. One more attempt isn't going to greatly affect your rating, but if you are refused DO NOT TRY FOR ANOTHER SIX MONTHS.

I'll edit that once the name of the other credit reference company pops in my head, I am sure I am suffering from memory loss.:D

Merlot

-MRS_T- wrote: »

i thot it meant dear son so I was nearly right. Ive got all this to look forward to. Im surprised youve got the energy to be up at this time of night

I don't sleep very well, I usually go to bed at 2.00 and up at 6/7.00am. DS2 is 9 and still wakes up in the night (he did sleep through from 6 weeks to the age of 4, since then he wakes everynight). I am on automatic overdrive.:D

-MRS_T-

I already got mine and my husbands credit file last week to have a look at it they look fine all number 0 a few 1s and 2s which means up to 2months late.

the 2 companies are equifax and experian i am familiar with this as i have had credit problems in the past.

I know what your saying about try once more then if refused wait 6 months. ~I cant afford to wait 6 months which is why i want to get it right this time and get accepted i was thinking of a secured loan??