Christmas Credit Story

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lukeofyorkshire

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Post by lukeofyorkshire » Mon Dec 31, 2012 7:22 am
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We all knew that many people would be paying for Christmas through credit but am still shocked to see it is such a high figure:

http://www.bbc.co.uk/news/uk-20869522
1st payment Oct 2008, last payment Dec 2013. Certificate received March 2015 due to PPI claim.
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Shining

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Post by Shining » Mon Dec 31, 2012 10:34 am
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Twas me once upon a time I guess. Hopefully never again will i fall in the trap but totally understand why people do. x
IVA final payment left the bank on the 26th January 2013...looking forward to a debt free future.
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lukeofyorkshire

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Post by lukeofyorkshire » Mon Dec 31, 2012 10:45 am
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It is the pressure, especially when you have kids I guess. As good a parent as you try to be, it all comes down to Johnny and Jane and their parents who buy them new iPads, iPhones, Bikes every Xmas and your kid just can't understand why they can't have the same.

When they get to a certain age I guess it gets easier.

Thankfully I just have my missus and parents who I buy for and the expense is minimal and done on what I have managed to save up.
1st payment Oct 2008, last payment Dec 2013. Certificate received March 2015 due to PPI claim.
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Shining

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Post by Shining » Mon Dec 31, 2012 11:03 am
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It is pressure and I totally agree when children are older they understand as I know my daughter did. x
IVA final payment left the bank on the 26th January 2013...looking forward to a debt free future.
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Foggy

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Post by Foggy » Mon Dec 31, 2012 12:47 pm
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Luckily my littl'un only asked for 4 things in his letter to Santa -- all inexpensive too --- and, even more luck .... we had them all already (one I bought 4 years ago, before the IVA, cos I wanted him to have one and then hid it in a cupboard and forgot about it ... Scalextric !! His grandparents spoilt him though:-)
My opinions are merely that .. opinions based on experience. Always seek professional advice.
IVA Completed 23rd July 2013 .... C.C. 10th January 2014
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