Finance, credit cards, loans and pay plans are all basically letting you buy something you cannot afford simple

 

Any mappers about that do finance too?? Seriously, you may aswell sell car now.

 

What about a mortgage ?

Seriously.

Credit is what keeps the big wheel turning. Great if you can avoid it but if not go fpr it as long as you dont miss payments.

In my eyes it improves credit rating as long as your not a boob.

Example person a can save up 100 a month for a year a buy a part.

Or buy part on intreat free card for a year and pay 100 a month. ?

 

Although I appreciate everybody's views on finance (a lot of which I agree with) this thread is kind of getting away from the initial question...

So it looks like it's time to get saving then.

 

Ffs the fella only asked about finance, he didn't ask for a lecture from scoobynets financial advisers!

 

The difference being, if you get it said part on credit and need to pay 100 per month. Then one of many of life's hickups occurs. Loss of job, boiler breaks, car breaks, pregnancy, split up, etc, so on and so forth. When this happens and interrupts cash flow then all of a sudden there's a problem isn't there.

It's this casual attitude of buy now pay later that puts people in financial problems.


This is response to the above, not specifically about the OP

 

Clearly if your running your budget to zero every month. But why dip into your savings even if you have them ?

You could use the £1000 in the year to make extra cash if you are smart.