debts :)

loismustdie

hey just wonderin wat the average amount people owe is, obviously mortgage not included, just incited after an intriguing conversation wit some friends about credit card bills and whatnots so if it's not delvin into personal boundaries wat do you owe on credit cards, overdrafts loans etc

i owe 150 on my oil bill which i dont intend to pay until i need oil again
0 on car
about 400 on visa which il pay this week
and im about 100 in on my overdraft at the monent

but ive about 1500 in a savings account

but i only spend about 40 a week, sometimes more on food, whilst eating very healthily and gormet meals for 3

so how are you all oding in the recession?

the_dark_side

about 1,000, not including mortgage

SV

Nothing at all.

Sea Sharp

2500. Have to start paying back 1st of next month.

AlmightyCushion

I just bought a cable from dealextreme so I owe about 99 cent on my credit card and that's about it.

Nothing at all.

Fizman

I have zero debt.
I have my car paid for. I don't have a mortgage/rent.

Plus i'm actually owed 240 off one mate, 100 off my aul man, 220 off an uncle. I better get onto em!!

Ruu_Old

Nothing, CC is always paid in full each month, or before it is due.

jaffa20

Recession just hit us. Boyfriend gona be unemployed so looks i'm gonna be looking after us. I hate my job too and could be let go at any stage though. I don't owe anything. Well 400euro to pay on my insurance but bf owes 13k:eek: . Just went on holidays too and spent loads. I would have cancelled if i'd known this would happen. Jesus, i love spain. Why is ireland so depressing? Boards is the only thing that keeps me sane.

Sorry, i'll take it to PI

Rabies

right now. About E1.2k on my credit card. That will climb when i travel back home in two months.
Don't have an nz credit card so big expenses like flights and stuff go on my card. But its a bitch to pay it off due to the exchange rate and kiwi third world pay structure.

Snowie

My perents buig time...

banks no visa don't have one.....

el rabitos

not a cent. i have this thing were if i cant afford it, i dont buy it. or save, till i can.

i'm a bit mad like that

Fizman

el rabitos wrote: »

i have this thing were if i cant afford it, i dont buy it. or save, till i can.

You're a rare breed! :pac:

SV

el rabitos wrote: »

not a cent. i have this thing were if i cant afford it, i dont buy it. or save, till i can.

i'm a bit mad like that

You must not be Irish?

Rebelheart

loismustdie wrote: »

hey just wonderin wat the average amount people owe is, obviously mortgage not included, just incited after an intriguing conversation wit some friends about credit card bills and whatnots so if it's not delvin into personal boundaries wat do you owe on credit cards, overdrafts loans etc

i owe 150 on my oil bill which i dont intend to pay until i need oil again
0 on car
about 400 on visa which il pay this week
and im about 100 in on my overdraft at the monent

but ive about 1500 in a savings account

but i only spend about 40 a week, sometimes more on food, whilst eating very healthily and gormet meals for 3

so how are you all oding in the recession?

OK, enough of those happy f uckers above. Misery loves company so here goes: I owe approximately €20,000!

Some day I'll be a free man again ... someday ....

'Man is born free yet everywhere he is in chains'

el rabitos

el rabitos wrote: »

i have this thing were if i cant afford it, i dont buy it. or save, till i can.

I'm the same as you.

Rebelheart

el rabitos wrote: »

not a cent. i have this thing were if i cant afford it, i dont buy it. or save, till i can.

i'm a bit mad like that

That's nuts. Sure we could have a famine and sure you'd get away with everything then ... or we could even have a bank crisis and you'd get the same result. Strike while the iron is hot and borrow left, right and centre.

It's the only way.

Super-Rush

135 of a phone bill, 732 for insurance, sky 65, setanta 20, monkey adoption papers 210, lost wager 20, small loan 1200 or 23 euro a week.

seanybiker

I owe the local enough for 12 cans. Ill pay that tomorrow.
I owe me old local enough for 8 cans but I got barred so they can wait.
Owe me father 8:15 for fags. Actually make that 8:20 cos I was 5cent short a few days ago.
And owe about another year and a half - 2 years on me bike that got robbed on me lol.

Lia_lia

I like the smiley face. It makes debt seem happy!


Anyway, about €300. Grand.

Rebelheart

Lia_lia wrote: »

I like the smiley face. It makes debt seem happy!


Anyway, about €300. Grand.

Amazing the difference an auld punctuation mark can make, eh.

Mimikyu

This post has been deleted.

Mr. CooL ICE

Owe 11k in a car loan. Think I owe €55 in broadband bills, but that only arrived the other day. Aside from that, I'm owed half my last house's deposit still and some mates owe me a total of €50. Luckily I have the income to pay it all off comfortably

helimachoptor

650 on my cc that is a deposit for a course I want to do, that'll rise to 3500 if I do the course. Thats about it, I spend a lot of money on food at work which annoys me!

stovelid

A loan that has only two monthly payments left. A few hundred on my visa which is normal, and I will clear at the end of the month.

Apart from that (and mortgage): zilch.

af_thefragile

Over Nine Trillion.

stovelid

I neglected to mention that a significant proportion of my future income is earmarked for Anglo Irish Bank and Bank of Ireland even though I've never banked with them in my life.

CiaranC

stovelid wrote: »

A loan that has only two monthly payments left. A few hundred on my visa which is normal, and I will clear at the end of the month.

Apart from that (and mortgage): zilch.

I love the way people are just throwing the old mortgage in as an aside

Ah sure Ive only another half a mil to pay on that

hobochris

Me and the gf owe about 10k on a joint loan.

Mr.Lizard

Nothing at all. Living life debt-free does wonders for my skin.

PCPhoto

didnt we already have this thread ... anyway - at the moment I'm at around €35,000 in debt, credit cards, loans, overdraft etc .....

I'm owed about 10-12K and have been told "next month" ..... at the moment current account overdraft is maxed out, started selling bits and pieces to get some money to get by day to day (until I get paid)

fingers crossed I can be out of debt in 12-18months (I hope)

Ps. Owe the parents a lot more - over the years.

Heisenberg.

This post has been deleted.

Dave!

Feels like I'm wearing nothing at all... nothing at all... nothing at all...

35notout

Wow - I would love not be in debt.

Owe various banks about 20k right now - have been trying to clear the debts for the past 6/7 years but with the interest they keep adding to them, I now owe even more than ever.

stupid borowing (or lending) years ago, led to me now being unable to sleep, worrying my ass off and generally being sick.

At this stage, they are thretening courts

and none of the above includes mortgage.....

TheTubes

8k car loan and 2k to my girlfriend in lieu of services provided

Quazzie

35notout wrote: »

Wow - I would love not be in debt.

Owe various banks about 20k right now - have been trying to clear the debts for the past 6/7 years but with the interest they keep adding to them, I now owe even more than ever.

stupid borowing (or lending) years ago, led to me now being unable to sleep, worrying my ass off and generally being sick.

At this stage, they are thretening courts

and none of the above includes mortgage.....

why is it stupid lending. They get paid either way so its 100% stupid borrowing

petes

About 3k.

35notout

Quazzie wrote: »

why is it stupid lending. They get paid either way so its 100% stupid borrowing

I absolutley agree - my fault for getting into this mess - but despite 7 years trying to clear the loans, they keep adding interest. I cannot afford to repay more than I am currently doing - will just keep paying for the next 10 or 20 years.

Sofiztikated

Quazzie wrote: »

why is it stupid lending. They get paid either way so its 100% stupid borrowing

Tis true. The bank didn't make you go looking for the loans.
In my case, i have about ?8k on a car loan (car is worth roughly ?4500 now,) ?3400 on credit card, which gets minimum payment every month, so its taking ages, ?600 for rent, as herself is out of work and i have to carry it all, phone is roughly ?60, and some more.
All told, i say out about ?1400 a month on bills.

bacon?

15k more or less

Spudmonkey

Nothing at all, I'm the same as a couple of posters above... If I don't have the money for something I won't buy it, or at least save till I do. I don't like the whole idea of buying something on credit! :rolleyes:

Quazzie

35notout wrote: »

I absolutley agree - my fault for getting into this mess - but despite 7 years trying to clear the loans, they keep adding interest. I cannot afford to repay more than I am currently doing - will just keep paying for the next 10 or 20 years.

If you go to the bank and tell them this they might consolidate your loan over a longer period and match the payments to what you can afford. (Most) banks will accomodate this as they want you to pay back the loan and be able to take out another loan, thats how they make their money. Having someone barely matching minimum payments is the last thing they want, as your simply another bd debt to them.

Arrange a meeting with your bank manager with the intention of restructuring payments to suit what you can pay. Thats win-win for everyone.

Aidric

Thankfully debt free.

funk-you

Roughly 5 grand between a credit card and loan.

-Funk

ibarelycare

About 1k on credit card (this is constantly maxed out, only pay the minimum each month. Have just made the decision to give it to my mother and tell her not to let me use it until I have paid at least €500 off.)
Have an overdraft of €500, which I always reach or go over by the end of the week.
Don't know how much is left on my car loan, probably around 8k.
Owe my mam €50.
BF owes me €200 though but will be using that to put towards holiday

5k car loan and another 4k from college debts

i have my monthly payments sorted so if i keep my job, i'm grand.. if not, the car loan is protected for a year but the rest of the money would be a major issue.

i used to worry about debt, but every time i drive my car, play my xbox or flick through my itouch, i think it's worth it.

Fizman

Mr.Lizard wrote: »

Nothing at all. Living life debt-free does wonders for my skin.

Surely you mean it does wonders for your scales? :pac:

pandamoanium

I owe about 500 on my CC - will be paid off at the end of the month though.

That's all!

I'm owed around 2k though... and don't think I'm ever gonna see that again! :mad:

I'm also down 1/3 of my weekly income which sucks... but I guess could be worse if I was riddled with debt on top of that.

AHers seem to be all very prudent and here was me thinking the whole country was drowning in personal debt!

mickdw

Well I owe some on car but its worth more (Even in these times of low car values), I clear the credit card always and Ive some money in the bank. They need it.

Blush_01

I currently owe money on my college and car loans. I didn't actually want to buy a car, least of all the car I bought, but I love the car now. It's definitely my most expensive toy, since I'm only learning to drive, and don't have access to the car during the week, but eventually it'll be worth it - I hope.

I've never paid interest on my credit card, in the three plus years I've had it, which I would never have believed. I don't understand the free money opinion people have of credit cards, but then again plenty of people wouldn't understand the debt I'm in, so *shrugs*.

xOxSinéadxOx

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