life without credit

[Bibio]

not so much a case of funding the fun, more a case of comforts. how many people here would not have the suite, carpets or TV they have if it were not for credit?

so far its nice to see that people on this forum are quite sensible about their credit.

[5hort5]

No loans or card debts at all here, just the house. (snug mode)

[punyXpress]

[QUOTE=Bibio;
so far its nice to see that people on this forum are quite sensible about their credit.[/QUOTE]

Oh, & we don't tell porkies about speeding & other misdemeanours ?

Originally Posted by 5hort5

(snug mode)

heres your m

[rictus01]

never used credit apart from a morgage and even that was the bare minimum for mira at the time, and did have a credit card twice, both times were for holidays in the states as after a certain time at night alot of places didn't take cash, each time I saved £1000 and put it in a separate account before hand and spent no more than that on the card, paid it off directly I returned and cancelled the card. all major purchase's have been made with cash even some years ago £11,000 for a car, the KTM I bought recently was paid for with an envelope of folding, personally I wouldn't feel comfortable riding a bike I didn't own outright but that's just me.

Cheers Mark.

thats good if you can do it but your a bit screwed if you have to get too work and need a bike but no cash too buy outright i see where your coming from though it's almost like you've nicked it untill it's paid off.

[5hort5]

Originally Posted by zsv650

heres your m

Doh! I blame the keybaord

[rictus01]

Originally Posted by zsv650

thats good if you can do it but your a bit screwed if you have to get too work and need a bike but no cash too buy outright i see where your coming from though it's almost like you've nicked it untill it's paid off.

no it's not, been it that very situation, I cycled until I could afford a nail (and I do mean a nail came in a couple of tea chests) built it myself and was on the road for a couple of hundred £'s, people these days seem to think a couple of thousand is the minimum to get a bike .

But as I said, that's just me ...

Cheers Mark.

fair doo's even my old nail of a kwak cost me £1300 at the time and for a 17 year old that's a lotta money borrowed from the bank o dad cheers.

[rictus01]

yeah it's everyones own priorities, recently someone was complaining he had no money to run his bike, and yet when I pointed out the option ot selling it buying one for half the money and use the rest to run it for the whole year, he wasn't that interested

Cheers Mark.