taxedparent
Registered User
- Messages
- 20
Ok have a cc with AIB, I closed it down and am just repaying it in monthly installments
My gross income per annum is 44500 which translates to about 2600 a month. I get piad bi weekly.
Monthly Expenditures
Rent 650
Childcare 500
Phone 60
Bills 100
Smokes 60
Travel 120
Work Food 160
Home Food 200
CC payments 200 (have min payments at 5% but always put in 200)
Total - 2050
I have missed 2 repayments in the last 9 months, I have alsoe tried AIB for a loan for the cc amount but was refused on the basis of the missed repayment of a cc and mobile dd on the account. That was 8 months ago. Since then have not missed any payments
My balance of my CC is 2,150
I have a 500 euro overdraft on my current account
I also have 1k in savings, but this is earmarked for a wedding ring. Puting extra 500 quid a month from sal to this so can buy in 4 mths
Would I get a loan for the cc amount from any bank at lower interest rates than I'm being charged on the cc bill? Also with card canelled can i move the balance to another cc company or am I stuck?
I also have 3 pension funds from 3 old employers. 2 private and the third a prsa. I'm moving one of the old pensions into the prsa but have about 2500 in the oldest. So if i can't get a loan should I cash this in pay the cc debt and get rid of as much of the over draft as possible?
Any advice much appreciated.
My gross income per annum is 44500 which translates to about 2600 a month. I get piad bi weekly.
Monthly Expenditures
Rent 650
Childcare 500
Phone 60
Bills 100
Smokes 60
Travel 120
Work Food 160
Home Food 200
CC payments 200 (have min payments at 5% but always put in 200)
Total - 2050
I have missed 2 repayments in the last 9 months, I have alsoe tried AIB for a loan for the cc amount but was refused on the basis of the missed repayment of a cc and mobile dd on the account. That was 8 months ago. Since then have not missed any payments
My balance of my CC is 2,150
I have a 500 euro overdraft on my current account
I also have 1k in savings, but this is earmarked for a wedding ring. Puting extra 500 quid a month from sal to this so can buy in 4 mths
Would I get a loan for the cc amount from any bank at lower interest rates than I'm being charged on the cc bill? Also with card canelled can i move the balance to another cc company or am I stuck?
I also have 3 pension funds from 3 old employers. 2 private and the third a prsa. I'm moving one of the old pensions into the prsa but have about 2500 in the oldest. So if i can't get a loan should I cash this in pay the cc debt and get rid of as much of the over draft as possible?
Any advice much appreciated.