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#12
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we are going for about 3 weeks - Las Vegas, New York & LA
her credit card is only for emergencies really, it has a 1k limit, she doesnt use it much, she is a student who works part time. So thats why she wanted a loan. she may go with a 5k loan, and just pay off a little bit of it. otherwise she will hunt around for some other credit unions. im juts advising her to save save save, we got another 5 months before we head over there, but she said she would wait and see what kind of financial situation shes in when it gets near to july when we leave. Last edited by Adr3naL1N; 07-03-2009 at 11:42 PM. |
#13
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As above: Credit card with 55 day interest free period, or up her limit on the current one.
Don't go messing around with loans. Hardly worth the interest payments and trouble. Don't forget that with the idea of a $5k loan and paying off $2k straight away could incur early exit fees or penalties of some sort. Just more bank-issued fine print to consider.
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#14
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As Joe said, hopefully she has more money. Even $5k in the states is nothing.
Especially when you hit places like Vegas. The joint is expensive. $5k will last you a little over a week if you are conservative with it. |
#15
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If you take it easy on the drugs and hookers and your accomodation is paid you can make it last longer.
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#16
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Quote:
Get a personal loan to cover her existing c/card balance (or part of it) and the $3k spending. ie- get a $5k personal loan and pay off the balance of the c/card and keep $4k (ish) for the trip. AND if shes eligible... take the $900 from Krudd as spending also!!!
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#17
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Quote:
vegas is the cheapest outta the lot!! new york is the expensive one!! |
#18
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Get limit raised on credit card. other wise top up her morgage if she has one.
Personal loans = Bad idea, paying it off for years, |
#19
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Yeah, but at least its scheduled Tim. Credit card payments come down to discipline, YOU decide how much YOU want to pay and when YOU want to pay it. And in many cases, its only the interest you're paying off. So better to have a scheduled payment every month for 36 months in my opinion.
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#20
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Surely she can save the money in 4 months! Pick up extra shifts/another job.
Or save half, then once you get there put it all on red! Ask for loan from family/friends = no interest + long return plans |
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loans, personal |
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