How does one get this?
How much crap do you have on hire purchase?
- Thread starter katy81
- Start date
Soldato
how did you get a 0% loan for solar?
Soldato
Nothing on HP. Loan for car, and mortgage for house... obvs.
Probably in Scotland.
This ^
Soldato
Zero. If I can't afford cash, I don't buy it. It's rule one in my book.
I've never been able to turn it on
Theres a special buttom for that, unfortunately most men can't find itI've never been able to turn it on
Soldato
- Joined
- 21 Sep 2020
- Posts
- 4,303
I too am very interested in this. It would be stupid not to do it!!
That makes no sense.
Live in Scotland
Yes and no.
Just because you don't have the capital up front, doesn't mean you can afford it.
A lot of businesses start with loans, but have good cash flow, so can afford it.
But, saving to buy things is a better option, if you can be patient.
Forgot to put, we have nothing on HP.
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Soldato
Most businesses are (or should be) financing assets, most consumers are financing liabilities.
What happens if you default on your land but not your house
Soldato
credit card for the purchase protection and buffer i would use interest free credit if available for say an ebike, bigger purchase but i like to keep monthly payments to a minimum so car and house insurance things like that outright with cc (normal cc but timing the purchase gives nearly 2 months int free anyway _
Soldato
0% on transfers or/and purchase is getting harder to find with term periods getting shorter. A few years ago, companies was offering it for 3 or 2 years period. Now it’s less companies and shorter periods.
There’s a worry about kicking the can down the road with the amount owed snowballing.
I’m in the situation where I have 1.6k on a interest free card, mainly due Christmas and a large unexpected car repair saga and while I have the funds to clear it off using savings, I don’t think I would clear it off by making large payments by the time the period expires.
So I’ve decided to kick the can down the road, got another interest free purchase card and going to live off that for the next 3-4 months. I’m going to use the funds that I would normally use to pay off my regular cash back credit card, the one that I normally use to live on and pay in full monthly to pay off the one that’s expiring. Hopefully the amount won’t snowball on the new card and I’ll start to chip in on it once the expiring one has been paid off.
If I stopped investing/saving for a month. I could just pay it all off in that month, but label me greedy lol
Soldato
About 45k on interest free credit cards, plus a mortgage
Id rather keep swapping / "stoozing" the interest fee credit cards if I can earn more in the bank than it costs me (e.g 1% balance transfer fee on card vs 5% in bank)
I just bought a sofa for 2.5k ish which could have done 0% for 4 years but thought easier to keep it all on credit cards.
Id rather keep swapping / "stoozing" the interest fee credit cards if I can earn more in the bank than it costs me (e.g 1% balance transfer fee on card vs 5% in bank)
I just bought a sofa for 2.5k ish which could have done 0% for 4 years but thought easier to keep it all on credit cards.
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