Are you wise with your money? Watch

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edufly
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#1
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Are you one of the stupid 'buy on credit' shoppers or are you wise enough to save your money and avoid consumer debt?

I consider myself clever enough with my money and I am aware of what not to fall for ie. store cards!
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AT82
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(Original post by eddiedaboss)
Are you one of the stupid 'buy on credit' shoppers or are you wise enough to save your money and avoid consumer debt?

I consider myself wise enough with my money and I am aware of what not to fall for ie. store cards!
A bit of both, I mean I have a student loan but I don't go and blow it on for the few weeks I get in. However I did use some of my student loan money to fund a week in Europe via train last year.
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caz
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(Original post by eddiedaboss)
Are you one of the stupid 'buy on credit' shoppers or are you wise enough to save your money and avoid consumer debt?

I consider myself clever enough with my money and I am aware of what not to fall for ie. store cards!
no, money is too easy to spend...yet so hard to get
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waiting2smile
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(Original post by eddiedaboss)
Are you one of the stupid 'buy on credit' shoppers or are you wise enough to save your money and avoid consumer debt?

I consider myself clever enough with my money and I am aware of what not to fall for ie. store cards!
No i'm terrible, i should really stop buying unecessay things! I have four winter coats now...and uni in sept - really really must save more spend less or i'll starve.
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_EMMA_
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(Original post by eddiedaboss)
Are you one of the stupid 'buy on credit' shoppers or are you wise enough to save your money and avoid consumer debt?

I consider myself clever enough with my money and I am aware of what not to fall for ie. store cards!
i never buy on credit, but i can't say i'm always wise about money, i have spent too much on unnecessary things
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Saf!
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i;m not too bad wiv money :rolleyes:
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edufly
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I am thinking of investing a sum of money into a savings account or some sort of account where I will get a nice return on my money, can anyone give me some advice on any good accounts you can recommend and any other information?

It will be for a three year period (to tie in with my uni course) so that when I graduate I will have a nice bit of financial reserves.

Say 1000pound is what I would want to invest.
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rednirt
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i'd like to think i am... i have no over draft or credit cards. my student loan goes on accomodation and i live on £150 a month... sounded a lot 2 me at first but aint really
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amexblack
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(Original post by eddiedaboss)
Are you one of the stupid 'buy on credit' shoppers or are you wise enough to save your money and avoid consumer debt?

I consider myself clever enough with my money and I am aware of what not to fall for ie. store cards!
I'm fairly wise with my money. Not at all wise with my dad's
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Howard
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#10
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(Original post by eddiedaboss)
I am thinking of investing a sum of money into a savings account or some sort of account where I will get a nice return on my money, can anyone give me some advice on any good accounts you can recommend and any other information?

It will be for a three year period (to tie in with my uni course) so that when I graduate I will have a nice bit of financial reserves.

Say 1000pound is what I would want to invest.
Then buy some stocks! Nice and bullish right now but a long way from peaking. Anything blue chip.
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edufly
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(Original post by Howard)
Then buy some stocks! Nice and bullish right now but a long way from peaking. Anything blue chip.
I dont want to make any risky investments as I'm not in a position to gamble (esp. on stocks) - I would be content with a fixed interest no risk account.

The problem is there are so many accounts and I just dont know which one is the best but maybe I should see my local Barclays personal banker to help.
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emom100
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#12
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i tend to go through phases. I was really good when i first started earning and i put my wages straight in a savings account which i still havn't touched. However, then i was too young to get into pubs, didn't go out so much and my mum still gave me money for my clothes etc. However, i think my spending patterns changed as soon as i could get past the bouncers in pubs and in genreal went out more. Also when i started 6th form i suddenly found myslef spendin all my money on going out and clothes. My last year of school was probably the worst because i was spending more money than I was earning most months until I realised how close uni was and starting saving like mad and turing into a total tight arse. During the first couple of months of uni money seemed to beevaporating from my account far too quickly and now i'm having to be really careful so i can afford the deposit and agents fees etc for my student house for next year. Also i've realsied how much i will have to work in the summer unless i cut down on my spending
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ickle_katy
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#13
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(Original post by eddiedaboss)
Are you one of the stupid 'buy on credit' shoppers or are you wise enough to save your money and avoid consumer debt?

I consider myself clever enough with my money and I am aware of what not to fall for ie. store cards!
im wise -

buy on credit when its intrest free- earning cash back for my purchases and then pay it off the day before the intrest free credit runs out.


while my moneys in a high intrest account so i earn lots of money off money that technically ive alreaddy spent.

love Katy ***
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