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danielrutherford | Ive just come in to a bit of money....? |
My uncle has just given me £3000 inheritence money before he dies. My parent think its a good idea to pay off my car which is on HP but I want to use the money to move out a get a flat with my girlfriend. What do you think i should do? |
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Spirit*Girl
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Before you do anything, put it in a high intrest account, then have a good long hard think about what to do with the money.
It is easy to spend it on the first thing you think of, but you could end up wishing you had not.
Paying off your car is a good idea, but so is getting a flat, for the long term investment point of view.
Have you been with your girlfriend long? is it a strong solid relationship? you need to know these things before you commit yourself.
But really have a good long think about what to do, and do not rush into any thing. |
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Tabata4444
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Move out, start working and pay your car if you are over 25 years old... |
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Mr. Know-it-all
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how long will that last for rent?
food?
fuel?
furniture?
her? |
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sky2evan
|
You can consider splitting it:
Pay off some of the car, AND save the rest for a potential flat. That way if you don't find the ideal flat, you can still pay off the car.
It sounds like you're on the broke side - you should really get serious about saving money. Living at home is a big plus - take advantage of that while you can by saving at least 50% or more of your income. Then, you can get a flat OR pay off the car much more quickly. |
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LivTyler
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Put em in time deposit as he worked very hard to earn that money. |
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girl
 |
i think it depends - if you have a stable job to pay car payments, then maybe moving with out with your girlfriend isnt a bad idea. however, if you were in a situation where you would struggle to pay off your car, then it would probably be best to pay that off. ecspecially if your car is being financed, that way you wouldnt ever have to worry about any repo's :) |
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natasha v
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Do whatever makes you happy but think upon it for a while because once you spend it you can't get it back. Did you're uncle give it to you with a particular purpose in mind? Hope this helps a little :) |
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Laura M
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You should check you're not liable for inheritance tax as well. I believe it applies if the donor dies within 7 years of giving the gift. Sometimes the rates can be really high - you might not end up with as much money as you hoped! |
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mcdonaldant
|
This is what Alvin Hall would recommend.
1 Pay off all your debts. Pay the highest % interest rate off first and then the rest in descending order.
2 To rent or buy the flat...things to consider..
To Buy
Can you answer yes to all these questions
Have you paid off your debt and student loans
Do you have 3 months of salary in a safety net fund
Is your job reasonably secure? If you were fired would you have enough money to tide you over,until you found another job
Have you saved 10% for a deposit?
Are you sure you want to live somewhere for 3 years. This gives the property time to increase in value.
Answered yes to all of these? Then buy the flat.
Should you rent.
It is far less expensive than buying.But...
You have other costs
Poll Tax
T.v licence,Sky TV?
Gas, elec
Insurance
Not to mention the cost of setting up a new flat,pots,pans,furniture etc.
All on top of your current bills,commitments.
I don't think your parents were trying were telling you what to do with your money. They probably had to learn the hard way and are just passing on their experience to you.
If you think of it logically,why would you give bad/wrong advice to the person they love the most.
Also check that if you pay the car off early,it will save you money in interest. No use paying it off,if you still have to pay the same amount. |
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5yellowchips
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finance for cars is normaly expensive, pay of the debt and take out cheaper loan if you need to move now.
What do you mean by "before he dies?" if he is still alive but dies soon you will still have to pay inheritance tax on the first 80% of the money. |
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loopu lou
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Get the flat, then your parents cant stick their nose in your business, and tell you what to do with your money, even though they might mean well by it. Even if it ends up going wrong you will know better next time and make the right decision. Life is about learning, and making mistakes makes you a better and stronger person.
And who knows it might be the best decision you make, I know it was for me!!! |
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