BA Finance

by Vickyxo 17th April 2015, 8:28 am

Hey girls,

i dont expect anyone to go into the in's and out's of finances.. But does anyone know any good loan dealers?
I have never been one to save very well, and have tried since i was 18 :-( ha.
So my only option is this! I have been quoted at Transform but to be honest i would rather fish around first and research before i tie any knots.

Any advice would be very helpful :-) xxx

by sarahlou222 17th April 2015, 8:45 am

Mark and Spencer 0% interest credit card!!
You get 19 months to pay and no interest.

Google '0% interest credit cards' and read about them through money saving expert!
That site is fab for the money concerns :)

I got the credit card even though I had the money in the bank, for a few reasons.
1. m&s give you points for using it which I can use on bras :)
2. I got a free £30 voucher for food (I think because of the date I applied!
3. My credit rating will be a lot better for when I want to buy a house next year because I have owed money and paid it back :)

Its a win win in my eyes! xx

by sarahlou222 17th April 2015, 8:46 am

Ahhh just realised.... I'll be buying a house THIS YEAR, NOT NEXT Shocked

I feel very grown up! x

by going4it 17th April 2015, 8:51 am

I agree with Sarahlou about a credit card. I'm whacking it on a 0% as I have 3 children and could never spend all that "real" money on me without feeling horrendously guilty!
I will pay it off over the next year though, I don't want it hanging over me.
When I went to transform a few years ago they said it was difficult to get the credit with them. I've seen the MYA adverts on TV recently and they say it's 0% and you need a 50% deposit.
If you can get a 0% credit card it's a really good option xx

by Vickyxo 17th April 2015, 8:58 am

Ah thats really useful girls!! Thank you, i didnt think of that :-O!!
[You must be registered and logged in to see this link.] Do you remember what your monthly repayments were? I thought with credit cards you can only have a limit of £2000?? Maybe me being silly ha. I will look that up now! Even though i should be working haha xx

by sarahlou222 17th April 2015, 9:14 am

Haha I should be working too!

I have to pay a minimum of £100.30 a month with M&S
But I'm paying £350 to finish it a bit quicker.

I got a limit of £4000, it's based on your salary and credit rating. Was very easy to do and took 2 weeks in total to get the card and pin etc after accepting :)

I make you ask if they want to buy a house and not a boob job ;) xx

by Vickyxo 17th April 2015, 9:24 am

Ah thats good.. i got quoted £115 a month with Transform!! SO £100 approx is better. Ah so by the time your card come through, it was before your op??

Haha did you say it was for a house? xx

by anneritchley 17th April 2015, 9:30 am

If they don't give you as much limit as you want you could pay half and put half on card xx

by muddypaws 17th April 2015, 10:23 am

Yep, I paid as much as I could using a new 0% credit card and the rest on my normal credit card. I will be paying about £250 p/m in total which will be the minimum payment on my normal credit card and the rest to make sure I've paid of in full what I owe on the 0% card.

Hope that makes sense lol x

by sarahlou222 17th April 2015, 10:44 am

OH and something else to add.. by paying on a credit card it gives you insurance if there are any problems.. get your money back from the credit card company.

Sorry I said that wrong... typing too quickly, I'm sure I read your are an estate agent?
I meant to say 'Make sure you ask if they want a house and not a boob job!!!' - since your on here while at work!!
I don't think £4000 would go much towards a house these days :( - I've already got my deposit... all locked away in stocks and shares at the minute..

Yes the card arrived just in time to pay a few days before the op :)
I wasn't going to do it until I spoke to Moocher90 and Charlii about it and thought... I'd be silly not to really.

Means my boy friend and I have spent more on our holiday too lol xx

by Vickyxo 17th April 2015, 11:14 am

Yeah i hear about that.. like paying for holidays and tickets to shows etc on a credit card is good cause if its a scam you more likely to get your money back.

Ive text my mum about it as she had a credit card years ago but shes telling me to cut it up as soon as i get it?! haha what :-(

Il look into it a lot more when i get home tonight but im glad you mentioned it as i would of never of thought of that! xxx

by sarahlou222 17th April 2015, 11:28 am

Your mum could have meant after you've paid for BA cut it up so you don't use it on other things!!! x

by Vickyxo 17th April 2015, 12:51 pm

Ohh haha that makes more sense! I was thinking why would i do that when its for my BA ha opps!! xx

by sarahlou222 17th April 2015, 3:02 pm

lol smart lady! x

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