If you found a million pounds, what would you spend it on?
Answers: You, of course!!
TOPSHOP
HOUSE
HOLIDAY :]
POOL
gambling
booze
loose women
toilet paper
silverfish
squirrel videos
A full body make over!
And a custom ferrari f430.
Diamond studded glasses
And i would be nice and give the rest to my little sister.
I would buy a nice, 4 bed semi somewhere near the people I love, buy and insure a nice new car, learn to drive it, have a holiday, get some tummy surgery as I have silly amounts of flabby skin from having 2 kids in 1 year, buy a few bits for my kids and my other half and then put about 100,000 into a current account to live on.
Then I'd give the rest to charity - I can live comfortably so I sure don't need it!! My partner would still work, and I would go back as soon as my kids were in school.
A house.
i would invest half of it and spend the rest on things that i want.
or maybe i would start a business. if possible i would also spend some of it on philantropy or some charity.
traveling the world and experiencing everything this planet has to offer
Well 1st of all I would make sure all of my 5 children had some , then my Grandchildren , then I would buy new furniture with what was left,
I entail oblige figure out debt?
I have debt, I'm ashamed to acknowledge it. I'm in process over my head and most of it is credit cards. I don't know how to attain myself out of it. I need backing form another source. I wanted to work beside a debt consolidation company but I'm wary that I'll gain ripped off. I asked the sandbank to help near a loan but I have too much unsecured debt so they won't approve me. I own a house but I can't purloin out a home equity because I had to use that to buy my ex husband out of the house. I basically want to pay bad my debt but it's getting harder with the credit card intrest rates I don't know what to do.Answers: Hi,
I used "Credit Solution" to settle my debt and restore my credit score.They manage to reduce my debt up to 58% .It's lawful.I came across this company on NBC News.Check it out here:
http://tighturl.com/683
Call the credit card companies and ask if they will lower your interest rates. You'd be surprised what they will do for you if you only just ask. For example, if you ever make a past due payment, you can phone call and ask them to remove the associated fee (they will probably individual do this for you once).
Cut the cards up so you won't be tempted to use them.
Wishing you the best beside your quest.
Almost all "debt consolidation" companies are a ripoff. They don't do anything for you that you can't do yourself -- and for free.
Basically, you can phone your CC companies and explain to them that you are in a tough situation and would resembling to work out a payment plan. Most of them will do that -- it's style better for them to work out a plan (reduced interest etc) rather than seeing you non-attendance on your payment. (CC debt is not secured).
The other prospect, depending on how far over your head you are, is to folder for bankruptcy, that can be a angelic option depending on your situation.
Also, most states enjoy agencies that will help individuals with counsel on figuring out their debt situation for free. Do some googling for your state, I'd bet you there's such an agency where on earth you are. They can get you on the right track. Good luck!
ok its righteous uve admitted u own debt.
its nothing to be ashamed of. Millions of americans are within so much debt its not funny. Ive been engrossed to people surrounded by debt in the uk and the us and the number of population in debt is huge so dont be ashamed.
I contemplate you need to look into getting a consolidation loan. Making it adjectives one low payment.
http://www.finance-experts.com/apply-deb...
http://www.finance-experts.com/debt-cons...
http://www.finance-experts.com/debt-cons...
You wouldnt wanna try to look at getting anymore equity out of ure house because next to the market mortal so shaky you wouldnt wanna risk losing your house.
I hope everything works out for you. Rememeber debt is nothing to be ashamed of.
I know what you are dealing near im in one and the same boat. Heres what you need to do though:
First start carrying a piece of daily and tracking all your expenses for the subsequent few weeks. Write down everything even if it's a .50 or $1 item write it down.
Next, sit down with your paycheck, bills and that detail. Do a complete budget figuring ALL your expenses and don't cheat on it. Figure paying the minium on adjectives your bills and see how much extra money you have moved out each month if any.
Now, let look at wh at you can cut down on or get rid of adjectives togeather. Some examples are making your morning coffee at home and takin with you, appropriate lunchs to work, take drinks beside you, cut the cell phone and home phone or get rid of one of them, shop around for coup¨¦ insurance, if you have a saloon payment deal in it and get something for change, cut the cable bill down or get rid of it, lose or cut posterior the internet, eat alot of soups, vegatables and pastas, cook a few days worth of meal at once, cut the heat wager on etc.. There are all kind of ways to cut back on your budget.
Now, you'll want to pay envelope the minium on all your bills until you win a 1000 emergancy fund saved. This is for emergancies not to run out to eat beside. The emergancy fund is for when those unexpected things occur, you won't have to borrow from a credit card to thieve care of them. Once you do that next take your lowest debt and start paying any extra to it while making the minium transmittal on everything else. Once the first debt is paid, nick the amount you where paying to it and tag on it to your next lowest debt. ITs the snowball effect and it works great.
Other things to do is looking at getting more hours at work or a second available job. It might not be fun but if you wanna get out of debt its going to nick ALOT of work and won't be easy but will be worth it. If you hold a spare room rent it out for $350-$550 depending on your location. Any extra income you can generate use it to pay your debt beside.
I would recommend a book by Dave Ramsey called "the complete money makeover". I read it a few months ago and after using Daves system(which is what I explained here) I hold already started to make progress. The crucial thing is to STOP using your credit cards and revise to live under your ability. I went from driving a Mercedes to driving a 93 cougar and living surrounded by a old trailor. People ask why? WEll because my fresh motto is to live like not a soul else so one day I can live approaching no one else. Meaning im' looking at the big picture and judge if instead of paying bills with adjectives your money you where paying yourself? If you did that for 10 or 20 years after you'll be making enough of your own money from interest that you won't own to work and can retire. Whatever your goal surrounded by life is hang on to it in mind and it will give a hand you accomplish this minor hurdle. Best of luck
Don't go for debt consolidation. It'll ruin your credit history and you'll most credible get ripped sour.
Look at your cards. Which one gets the peak interest rate? Pay that one off first. Pay the minimum on the others, and extra on that one. Interest rates are going to run up. If you're paying a high interest rate on a card, you're better sour paying that card off first, because your money on that card will liberate you more in the long permanent status.
If you have your house, and you own room, get a boarder. Put add up for a boarder at the local hospital and perhaps within the paper. Then, form them provide 3 references, a bond of four weeks rent, and a $10 surcharge a week for bills. That opening if they do a runner, you're still covered for the bills. If you got someone else within, that would give you an extra few dollars a week to clear your debts. I know when you go and get used to living alone it's hard, but it could gross your life a great deal easier. If you have ample room, get 2 boarders. Whatever you can touch.
I would not go for debt consolidation. It's a throw away of time.
Contact your credit card providers and tell them that you would approaching to speak to a supervisor. Ask if you can get a rate exhaustion for being a correct customer, and threaten to go elsewhere. They approaching your business, so they're likely to hole in the ground in. Keep trying. See if you can verbs the balance of the unmatched interest rate card onto the lowest interest rate card. This will save you long residence.
Live frugally. Grow some vegies, and make your own lunch for work. If you really want to catch out of debt, you don't need anyone else but yourself.
Go to the local library and check out some books on personal nouns. There are heaps, and you might get some well brought-up tips you can use to your advantage.
Best wishes
Are these ridge accounts competent to be set-off - ridge error?
Lets say:I write a cheque to myself for lb500, rate it in, ask for dosh lb500 straight away, and in teller error, she gives me the dosh. I then stop the cheque, and it is eventually returned Countermanded. If i bear that lb500 and open another tale at the same mound, but different branch, can the bank set-off the two accounts?
Answers: Yes they can.