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What makes you shiver? email this discussion to a friend?

myLot reputation of 93/100. xboxboy (1813)   ranked 1 out of 3 in credit crunch1 year ago

This is a serious discussion from me....no really.

I have been to the bank today to secure a loan to save my house.

My wife does not know.

I took a loan of £15,000. (approx $30,000)

This means my house is secure for the next year and i can pay off all the credit card bills and have enough left over for my wife's 40th birthday.

Where to take her? that is another discussion!lol

Have you ever made a commitment that scared the sh!t out of you?

This one has done that to melol


OOhhh! what a heavy weight!
 
 
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Kashmeresmycat (1337) response was accepted on 2/14/2009.
denotes best response.
tags:  friends, love, mylot, fear, noose
 
1. myLot reputation of 59/100. MonkOVision (936)   ranked 2 out of 3 in credit crunch   1 year ago

It sounds like you've taken on quite an undertaking, but it also sounds like you will be free from other financial burdens and this will allow you to live a bit easier. Is the loan for very long or must you replay it quickly?

When I sold all of my belongings and gave the profits to the Order that I joined for the care of the poor it was a bit scary, but it ended up being one of the best decisions I ever made.


myLot reputation of 93/100. xboxboy (1813)   ranked 1 out of 3 in credit crunch  1 year ago

it is a 7 year loan. 8% interest, which is not to bad.

i can only hope it is for the better. thumbup


myLot reputation of 59/100. MonkOVision (936)   ranked 2 out of 3 in credit crunch  1 year ago

My hope is for all the best for you and your family. I look forward to seeing a discussion about your wife's birthday. I bet that you'll get many great ideas from the fascinating people on this site.


myLot reputation of 93/100. xboxboy (1813)   ranked 1 out of 3 in credit crunch  1 year ago

i hope so!!

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2. myLot reputation of 91/100. Rosekitty (4803)   1 year ago

Dear X..at least its a loan for something good and not just because you want money..and this would be scary for me too!
I don't have any loans but if you want to loan me something then i can be scared with you.. wub

Take your Wife to Disneyland..sorry you can't drive there from your home..lol..


myLot reputation of 93/100. xboxboy (1813)   ranked 1 out of 3 in credit crunch  1 year ago

how scarey is that?

I was looking to take her to florida disney land as i would also be taking my 7 year old daugher!

plus i thought i might meet some mylotters!

I dropped hints and she has said the us is to long a journey.

not sure if i should go ahead and book or go to Paris disney as she fancys.

(i saw the simpsons episode where they went to paris....DOH!)


myLot reputation of 91/100. Rosekitty (4803)  1 year ago

Oh forget the US, if Paris has one take her there and ME too..lol..Disneyworld is great but Paris..can't beat Paris

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3. myLot reputation of 99/100. wolfie34 (13923)   1 year ago

At least you have a roof over your head, security and the best investment you can make is in bricks and mortar! I think you need to look at the positives and put things into perspective but I do hear what you are saying a house is a big commitment and a big expense, that certainly made me shiver too especially when I agreed to buy a home with my ex, I would have a noose around my neck for 25 years and then I added that onto my age and that was enough to send a solid gold shiver down my spine for sure, not sure what was worse looking back saddled with my ex for 25 years or a 25 year mortgage LOL!


myLot reputation of 93/100. xboxboy (1813)   ranked 1 out of 3 in credit crunch  1 year ago

I hear what you are saying! maybe i should sell and run away!lol

i would consider that option if i did not have a gorgous daughter!happy

Equador sounds good for real estate!lol


myLot reputation of 99/100. wolfie34 (13923)  1 year ago

I am too much of a free spirit, if it was just me then I wouldn't be so worried, I just love my freedom too much and being saddled with someone is more scary than being saddled with a mortgage;0)

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4. myLot reputation of 97/100. Kashmeresmycat (1337)   1 year ago

Oh, poor xboy, doing something behind your wife's back, haha. Ewww, I don't know if I'd want to be in your shoes right now. You best tell her or it's the dog house for you to sleep in, lol!

Seriously, IF I was married, and IF I had a younger daughter (mine are both adults thank goodness) and thought this was going to save my house and my sanity, I would have done this too. You do what you have to do. Please pay off those credit card bills completely and try to leave them that way. We ALL know what that's like and sometimes don't have the chance to do this.

I'm not sure which Disney you should go to under the circumstances. Maybe the one that will be the least expensive right now so you can really have a wonderful time. Is Paris going to be a bit less expensive than the US? It still would be a wonderful surprise if you can do all the reservations and planning. I'm sure your daughter won't mind in the least which one you went to but if your wife doesn't want to come to the US, I don't know if I'd push it right now, lol! Take care, and yes, I do have the shivers for you, haha.

I can't wait to hear the next episode in the life of xboxboy. Kinda like a Soap Opera.


myLot reputation of 93/100. xboxboy (1813)   ranked 1 out of 3 in credit crunch  1 year ago

Hi KC. Still not decided where to take her.

toying with the Dominican republic but that is a 9 hour flight so would be as well to go to the states!

I will do a discussion when i know to garner peoples opinions. thumbup


myLot reputation of 97/100. Kashmeresmycat (1337)  11 months ago

I guess your out of the dog house, hmmm?, lol! Thanks for BR again!

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5. julieb2859 (8)   ranked 3 out of 3 in credit crunch   1 year ago

you shoudld live within your means and your poor wife wont be happy that you have done this try a debt counsellor


myLot reputation of 93/100. xboxboy (1813)   ranked 1 out of 3 in credit crunch  1 year ago

thanks for the advice.

i am a debt counsellor.

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6. myLot reputation of 82/100. ajrox1810 (645)   1 year ago

Hi,
Firstly, what makes me shiver is cold, utter cold. I did things like that a lot of time in my childhood that made me shiver. Like I bought a costly watch without the information of my parents, and then didn't showed it to them for like a month until they discovered it in my wardrobe.
Regards,
AJ-Rox


myLot reputation of 93/100. xboxboy (1813)   ranked 1 out of 3 in credit crunch  1 year ago

they must have went ballistic!lol

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7. myLot reputation of 82/100. sparkofinsanity (3542)   1 year ago

Yes actually............marriage to a man who can't handle money! LOL
Judging from the responses here, it sounds like the terms of your loan are really pretty good as long as the 8% rate is fixed for the term of it. So take a deep breath, don't tell your wife until AFTER her birthday, and try not to worry so much. And welcome to the brotherhood of people in debt and losing sleep over it! lol Good luck with it all.


myLot reputation of 93/100. xboxboy (1813)   ranked 1 out of 3 in credit crunch  1 year ago

thank you.

i look forward to telling her when we are sunning on some forign beach. lol


myLot reputation of 82/100. sparkofinsanity (3542)  1 year ago

LOL, then make sure you're not lying too close to the surf or you might find yourself fighting your way out of the waves! I hope you can swim........? LOL

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8. myLot reputation of 75/100. rameshkumaar57 (1798)   1 year ago

Friend we all have these kinds of shivers, for me the thought of leaving my job gives me the shivers, as I am already 51 years old, I am afraid, that I may not get another good paying job, these not only gives me the shivers, but it also gives me nightmares. Regarding commitment, I had the shivers when my daughter got married last year and there were huge bills to be paid, which luckily I paid it off. happy


myLot reputation of 93/100. xboxboy (1813)   ranked 1 out of 3 in credit crunch  1 year ago

It is a scary time for work and all things domestic.

Glad yours has worked out. happythumbup

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