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debts :)

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2

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    #32
    Heisenberg.
    Registered Users Posts: 7,541 ✭✭✭Heisenberg.


    This post has been deleted.


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    #33
    Dave!
    Closed Accounts Posts: 27,857 ✭✭✭✭Dave!


    Feels like I'm wearing nothing at all... nothing at all... nothing at all...


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    #34
    35notout
    Registered Users Posts: 596 ✭✭✭35notout


    Wow - I would love not be in debt.

    Owe various banks about 20k right now - have been trying to clear the debts for the past 6/7 years but with the interest they keep adding to them, I now owe even more than ever.

    stupid borowing (or lending) years ago, led to me now being unable to sleep, worrying my ass off and generally being sick.

    At this stage, they are thretening courts :(

    and none of the above includes mortgage.....


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    #35
    TheTubes
    Registered Users Posts: 721 ✭✭✭TheTubes


    8k car loan and 2k to my girlfriend in lieu of services provided


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    #36
    Quazzie
    Registered Users Posts: 28,851 ✭✭✭✭Quazzie


    35notout wrote: »
    Wow - I would love not be in debt.

    Owe various banks about 20k right now - have been trying to clear the debts for the past 6/7 years but with the interest they keep adding to them, I now owe even more than ever.

    stupid borowing (or lending) years ago, led to me now being unable to sleep, worrying my ass off and generally being sick.

    At this stage, they are thretening courts :(

    and none of the above includes mortgage.....
    why is it stupid lending. They get paid either way so its 100% stupid borrowing


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    #37
    petes
    Registered Users Posts: 8,382 ✭✭✭petes


    About 3k.


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    #38
    35notout
    Registered Users Posts: 596 ✭✭✭35notout


    Quazzie wrote: »
    why is it stupid lending. They get paid either way so its 100% stupid borrowing

    I absolutley agree - my fault for getting into this mess - but despite 7 years trying to clear the loans, they keep adding interest. I cannot afford to repay more than I am currently doing - will just keep paying for the next 10 or 20 years.


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    #39
    Sofiztikated
    Registered Users Posts: 6,995 ✭✭✭Sofiztikated


    Quazzie wrote: »
    why is it stupid lending. They get paid either way so its 100% stupid borrowing

    Tis true. The bank didn't make you go looking for the loans.
    In my case, i have about ?8k on a car loan (car is worth roughly ?4500 now,) ?3400 on credit card, which gets minimum payment every month, so its taking ages, ?600 for rent, as herself is out of work and i have to carry it all, phone is roughly ?60, and some more.
    All told, i say out about ?1400 a month on bills.


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    #40
    bacon?
    Registered Users Posts: 778 ✭✭✭bacon?


    15k more or less


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    #41
    Spudmonkey
    Registered Users Posts: 2,857 ✭✭✭Spudmonkey


    Nothing at all, I'm the same as a couple of posters above... If I don't have the money for something I won't buy it, or at least save till I do. I don't like the whole idea of buying something on credit! :rolleyes:


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    #42
    Quazzie
    Registered Users Posts: 28,851 ✭✭✭✭Quazzie


    35notout wrote: »
    I absolutley agree - my fault for getting into this mess - but despite 7 years trying to clear the loans, they keep adding interest. I cannot afford to repay more than I am currently doing - will just keep paying for the next 10 or 20 years.
    If you go to the bank and tell them this they might consolidate your loan over a longer period and match the payments to what you can afford. (Most) banks will accomodate this as they want you to pay back the loan and be able to take out another loan, thats how they make their money. Having someone barely matching minimum payments is the last thing they want, as your simply another bd debt to them.

    Arrange a meeting with your bank manager with the intention of restructuring payments to suit what you can pay. Thats win-win for everyone.


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    #43
    Aidric
    Registered Users Posts: 13,589 ✭✭✭✭Aidric


    Thankfully debt free.


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    #44
    funk-you
    Registered Users Posts: 2,743 ✭✭✭funk-you


    Roughly 5 grand between a credit card and loan.

    -Funk


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    #45
    ibarelycare
    Registered Users Posts: 58,456 ✭✭✭✭ibarelycare


    About 1k on credit card (this is constantly maxed out, only pay the minimum each month. Have just made the decision to give it to my mother and tell her not to let me use it until I have paid at least €500 off.)
    Have an overdraft of €500, which I always reach or go over by the end of the week.
    Don't know how much is left on my car loan, probably around 8k.
    Owe my mam €50.
    BF owes me €200 though :) but will be using that to put towards holiday


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    #46
    [Deleted User]
    Posts: 17,378 ✭ [Deleted User]


    5k car loan and another 4k from college debts

    i have my monthly payments sorted so if i keep my job, i'm grand.. if not, the car loan is protected for a year but the rest of the money would be a major issue.

    i used to worry about debt, but every time i drive my car, play my xbox or flick through my itouch, i think it's worth it.


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    #47
    Fizman
    Registered Users Posts: 6,605 ✭✭✭Fizman


    Mr.Lizard wrote: »
    Nothing at all. Living life debt-free does wonders for my skin.

    Surely you mean it does wonders for your scales? :pac:


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    #48
    pandamoanium
    Closed Accounts Posts: 453 ✭✭pandamoanium


    I owe about 500 on my CC - will be paid off at the end of the month though.

    That's all!

    I'm owed around 2k though... and don't think I'm ever gonna see that again! :mad:

    I'm also down 1/3 of my weekly income which sucks... but I guess could be worse if I was riddled with debt on top of that.

    AHers seem to be all very prudent and here was me thinking the whole country was drowning in personal debt!


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    #49
    mickdw
    Registered Users Posts: 23,283 ✭✭✭✭mickdw


    Well I owe some on car but its worth more (Even in these times of low car values), I clear the credit card always and Ive some money in the bank. They need it.


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    #50
    Blush_01
    Registered Users Posts: 5,016 ✭✭✭Blush_01


    I currently owe money on my college and car loans. I didn't actually want to buy a car, least of all the car I bought, but I love the car now. It's definitely my most expensive toy, since I'm only learning to drive, and don't have access to the car during the week, but eventually it'll be worth it - I hope.

    I've never paid interest on my credit card, in the three plus years I've had it, which I would never have believed. I don't understand the free money opinion people have of credit cards, but then again plenty of people wouldn't understand the debt I'm in, so *shrugs*.


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    #51
    xOxSinéadxOx
    Registered Users Posts: 2,604 ✭✭✭xOxSinéadxOx


    €0


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    #52
    MysticalSoul
    Registered Users Posts: 1,266 ✭✭✭MysticalSoul


    €2050 on credit card - hoping to have it clear over the next four/five months.


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    #53
    Cuddlesworth
    Registered Users Posts: 13,981 ✭✭✭✭Cuddlesworth


    6k which should be paid off in about six months. If it comes to it, I have more then enough assets to be able to pay it off within a month. I don't like selling stuff though.

    Then I'm going to put myself about 20k in dept.


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    #54
    galwayrush
    Registered Users Posts: 12,815 ✭✭✭✭galwayrush


    A ****ing lot of money after the Government bailed out the rich bankers.:mad:
    Our grand kids will still be paying that off in years to come.:mad:


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    #55
    Mr Benevolent
    Closed Accounts Posts: 12,456 ✭✭✭✭Mr Benevolent


    Nuffin. I paid the whole lot off. Learned my lesson.


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    #56
    pandamoanium
    Closed Accounts Posts: 453 ✭✭pandamoanium


    Confab wrote: »
    Nuffin. I paid the whole lot off. Learned my lesson.

    Fairplay!


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    #57
    stovelid
    Closed Accounts Posts: 27,252 ✭✭✭✭stovelid


    CiaranC wrote: »
    I love the way people are just throwing the old mortgage in as an aside :)

    Ah sure Ive only another half a mil to pay on that


    My current monthly repayment is quite a bit less than I would pay to rent in the same estate, so unless I fancy moving in with my old pair in my mid-thirties, it's a fairly non-negotiable outgoing. :D


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    #58
    Lickarse1
    Closed Accounts Posts: 11 ✭Lickarse1


    Had to cutup the visa card Ouch


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    #59
    Blush_01
    Registered Users Posts: 5,016 ✭✭✭Blush_01


    Lickarse1 wrote: »
    Had to cutup the visa card Ouch

    Fair play for doing it though - I know a lot of people who couldn't survive without their cards.


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    #60
    admiralofthefleet
    Closed Accounts Posts: 15,515 ✭✭✭✭admiralofthefleet


    im totally in the black, thank god. apart from renewing my tv licence over the next few days i owe nothing else


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    #61
    auditek923
    Registered Users Posts: 313 ✭✭auditek923


    i owe credit card 1: 7000 euro
    credit card 2: 1000 euro
    credit card 3: 1300 euro
    credit union : 20000 euro
    gas bill: 600 euro
    car loan: 10000 euro


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