On the never never

[biggs682]

ok so i should think loads of cc'ers have had finance on property,cars .bikes . etc etc

but what else have you had finance on ?

 

[Aperitif]

I had fine ants on my picnic once...

 

[rich p]

Never had finance on anything unusual but Mrs R was once bartered for a camel by an ex-boyfriend when travelling in Egypt in the early 1980s.

Did she get the hump

 

[screenman]

Had a mortgage once, and a huge overdraft when I had car sites, but never had anything else on tick. I have seen how miserable it can make people, debt can destroy lives.

 

[MarkF]

Had a mortgage once, and a huge overdraft when I had car sites, but never had anything else on tick. I have seen how miserable it can make people, debt can destroy lives.

I agree, I had loan for motorbike when I was 17, I am now 52 and apart from a mortgage that was my last loan.

A lack of loans also gives you freedom. you can tell your boss to stick it, you can move away for a bit, you can try different things, loans anchor you down.

 

[stephec]

Is a new kitchen classed as unusual?

It was to me because I didn't think there was anything wrong with the existing one.

 

[cosmicbike]

Our first bed. It was 0% mind.

 

[cosmicbike]

Our first bed. It was 0% mind.

 

[I like Skol]

I am a definite 'buy it when you can afford it' type and a bit tight as well so credit is something I avoid. I do like to own things and paying over the odds to buy something using credit just makes other acquisitions less likely so paying the lowest price upfront offers the best value. I have used debt to buy vans when I was self employed but always paid a large deposit and shopped around all credit sources to get an APR in the mid-low single figures. The trick with debt is not what the monthly payments are but how much is the debt going to cost over it's lifetime. If I were to borrow 10k and that would cost perhaps 1k over 3yrs then that would be ok. Some people might look at a different provider that offers lower monthly payments over 5yrs but end up paying 3-4k in interest and that is where you really start to lose out, just giving your hard earned to someone else for doing nothing. It is all about doing the sums.

 

[Soltydog]

Dental work is probably the most unusual I've had credit for Ended up having to go private a few years back & the bill was going to be around £700, but I noticed that they offered 0% over 12 months, so took the offer up & left money in the savings account to earn a few ££

 

[Levo-Lon]

My barclaycard statement says 0.4p in credit..

mortgage if that counts..tho its nothing compared to what the kids pay..
i do keep looking at a new van purchase but i cant do it as the thought of a pcm payment ..nah

 

[Pro Tour Punditry]

Never had finance on anything unusual but Mrs R was once bartered for a camel by an ex-boyfriend when travelling in Egypt in the early 1980s.

Do you miss the camel, and do you think you got a fair deal?

 

[summerdays]

Only ever when it's been 0% apart from the mortgage, apart from that I've always saved up first before buying.

 

[screenman]

I have found where ever 0% is offered a discount is often available instead, not in all cases of course but certainly enough to mention.

 

[Markymark]

I have found where ever 0% is offered a discount is often available instead, not in all cases of course but certainly enough to mention.

This.