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 Old Credit Card Debt? |
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 Which is better? One credit card with $10,000 or two cards totaling $10,000? |
Additional Details
The limit on one card is $20,000 with a 4% rate right now. The limit of the other is $7,500 with 0% rate. Which is better for my credti score?... |
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Give examples of companies willing to do so, I have a close friend that is desparate, her boyfriend has ruined her credit. And I'm wanting her out of my house!!... |
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 Help!! I want a Credit Card But Im Only 20!!? |
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| I need a straight answer for my problem? |
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Moofie's Mom | Debt ..... what do you think about this? |
In the UK on GMTV this morning there's a woman who says she brings in £1200 per month. £600 goes on paying off her debts. £500 on rent. She's then left with £100 per month.
The reporter says, 'but she's now learned to bargain, as she recently got a holiday for £200 - and for once it wasn't put on her credit card'. She's also saying that she sells toys that her children have out grown.
It is me, or what? Can you do the math here? She won't get more than a couple of quid for second hand toys these days. The holiday won't just cost £200 there's all the extras like spending money etc.
I can tell you, if I had only £100 per month left to live on, a holiday would be the last thing on my mind or list!
Something's fishy here!
And for those of you who may think 'ahhh, poor thing she deserves a holiday' - my reply is if you are in that much debt - YOU CAN'T AFFORD TO GO ON HOLIDAY!!
Are we becoming a nation who can't or don't want to live within our means?
Additional Details
Damon M:
Thanks for that link. Sums it up nicely! |
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Knownow't
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You were quick off the mark, Just saw that as well...I agree, It seems that this woman has her priorities all wrong which is why she got in debt in the first place.....Yes it is easy to get credit, but it takes responsibility as well....she would have been better paying off some of her debt, as she will only spend even more on holiday. |
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proud walker
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WOW - a bargain basement price holiday -
I'd rather learn to bargain for fruit and veg. a lot more useful. Fish too, they say it's good for the brain. |
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richard_beckham2001
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I think there should be tighter control on credit cards, i have a friend who as very large debts due to the fact she has so many credit cards in use.
Store cards are another problem, the APR on them is so high it is crazy. |
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chicago floater
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she is a fool |
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katie30
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we are a nation living beyond our means.
look at how many people have debted themselves up against the value of their homes since the massive house price booms. its all going to go t1ts up, in fact its happening to some people now. |
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Damon M
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http://en.wikipedia.org/wiki/Consumerism |
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charterman
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You're right, the maths don't add up. If she has only a £100 a month to feed herself, pay council tax, gas electric, phone, petrol for or bus fares to get to work etc, wow, how does she do it!?.
The reporter must be a prat if they think a holiday is a priority on that kind of indebtedness. You stay home, pay your bills and go on days out that involve a flask, packed lunch and a walk.
You are so right that we have become a nation of ' must have at any cost'. It will all end in tears. |
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just trying to make a difference
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i totally agree with you!
i never spend what i don't have and the only things i've had a large debt for is a mortgage, if i only have £4k for a car then i buy one for under that, not go and get one for £9K and have then rest on finance!!
but saying that i don't see how me being sensible with money has got me anywhere - whet i got with my ex-hubby he had quite a lot of debt which we spent years getting out of, work hard, missed out on holidays etc. when the relationship broke down i had to walk away almost empty handed and he kept the house etc, now i have just seen him spend £22k in cash and waste over £30k on a business venture that he put no effort into - now he's gone bankrupt and it doesn't seem to matter to him that he wasted all that money, plus he's getting to keep the house as there was no equity in it by time he'd finished borrowing against it!!
now he seems to have a clean slate and a clean conscience - i just wonder why i bother saving up money and being sensible! |
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fredhh
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Consider the amount of money you spend in interest each month...
How much more could you buy if you didn't throw that money down the toilet?
How much could you save toward your retirement?
$4000 in credit card debt, at the typical 20% interest... appx $80 a month in interest. $800 a year...
How many of you are WASTING essentially one month's salary every year on credit card interest?
Pay it down... and pay it off as fast as possible! Don't buy what you can't pay for. |
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Mumofthree
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Shes got her priorities wrong |
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fankaster
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really silly! There are people who absolutely can't manage their finance! Experience means nothing for them. |
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Labyrinth
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I never saw the program but surely she must have a partner who is paying for this and in addition she is probably also receiving child tax credits, and other benefits if she is a single parent. So overall, although these benefits may not be huge they obviously contribute to a higher income of £1200.00. |
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