On the straight and narrow- NUFC-nutter's diary ~ Exam results are in!!!

NUFCnutter

Grand, am going to check that out.

My spending has changed. Got the kids some sweets, so now its

Total spend today £1.36 this week £ 164.24

Grocery challenge £50 for the week, £40.44 left

NUFCnutter

Just a quickie. HSBC have offered me a managed loan to pay off my credit card and £250 overdraft. I baulked immediately and said no, but am wondering if I should call back, ask how much it will cost each month/interest rate/length of time of loan and see if it will work out cheaper.

penguin83

Noooo! I would steer well clear of a managed loan if you can. I have one for 10k at 13.1% for about 7 million years (ok so thats a bit of an exaggeration!). I am about to default on mine so it goes to their debt collectors and then the interest will be frozen x x

NUFCnutter

So thats a no then, lol

penguin83

Lol sorry I sounded a bit aggressive didnt I! x

There was a thread about them last year (linky) and not many people have had a good experience of them!

x x x

Toon_Dave

Stay well clear if you can of managed loans or consolidation loans. You would be paying back so much extra interest on your original debts.

I got those few years back with out thinking but now they have stuck me in such a crappy situation.

DEBT_23

your income is down as benefits.. cant you work during the week to pay of some money you owe?

NUFCnutter

DEBT_23 wrote: »

your income is down as benefits.. cant you work during the week to pay of some money you owe?

I would love to work but my disability can mean that I am well for 2-3 weeks and then can be ill for a couple of months, then well again for a month then ill again for another couple. I haven't found an employer yet who is willing to take me on with my sickness record. I am also unsure as to how many hours a week I can work without it affecting my benefits, I am on Income Support, Child Tax credit and DLA, and get housing benefit and council tax benefit. Any advice would be great.

Went to Netto for my shopping, got what we needed, but hey they throw the shopping down the checkout at you. I go there quite a bit, but never realised how quick they get it through the checkout, I was nearly juggling at one point. :rotfl:

Today has gone well so far: have spent

Gas and Electric keys - £15 each - £30 in total (paying off what I owe).
Letter, recorded delivery to DCA and £1 PO - £2.52
Groceries - £31.10
Payment to Chantry Collections £12.18

Total spend today £75.80 this week £ 240.04

Grocery challenge £50 for the week, £9.34 left :j

Toon_Dave

yeah i went to Aldi to the other day...!!!!!!..had to buy the carrier bags too..And yep you can become quite a good juggler after shopping in those places.

When does your grocery challenge finish for this week?

NUFCnutter

Wednesday, BUT I shouldn't really need to buy anything else grocery wise this week.

I am busy revising like mad for this exam on monday - am scared witless that I will ruin my excellent coursework grade by failing the exam and therefore failing the course. :eek: