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Moving on up - Moving advice thread

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Welu:
Update: We've inquired to look at two places. One is a house quite close to where he already lives and the other is a block of flats near my college. Excited but nervous.

You guys have given a lot of great advice and the stories are helpful and entertaining, even if they weren't for you at the time.

lepetitfromage:
Yay! Good for you  :-)

Learning experiences inevitably lead to the most entertaining stories, which is really lucky for me because my life is full of said "learning experiences" haha

nobo:

--- Quote from: lepetitfromage on 05 Jan 2012, 07:12 ---
-Avoid credit cards like the plague. I took out 3 of them when I was 17, maxed them out, missed a huge number of payments and flushed my credit score down the toilet. I've spent the last 4 years trying to plunge it out.


--- End quote ---

Nah. Just pay off your credit card every month. I get a certain % back for all my credit purchases. At the end of every year I have a few hundred dollars to treat myself for doing absolutely nothing except using my credit card instead of my debit card to make purchases.

lepetitfromage:
lucky you!

It definitely varies by person...in my experience, I think that because I just moved out for the first time, credit cards were new and exciting. Until I realized how scary it was to get your bill in the mail and see that you can't afford to make the minimum payment.

Barmymoo:
I'm actually considering getting a credit card, partly for that reason and also partly so that I have a good credit rating when I apply for a mortgage. I have only ever had one unauthorised overdraft, of £1.35, and the fees were waived after I wrote to complain at how outrageous they were (£35 for being less than £2 overdrawn for two days!), but equally I've never successfully paid off credit on time because I've never had it.

I can't believe you even got given three credit cards when you were 17! Is that legal? I don't think it is here. Because seventeen year olds are liable to spend more than they can afford and then not be able to pay back the minimum payment! I'm so glad I didn't have a credit card when I was 17. I went mad with my debit card when I got that, but thankfully I couldn't spend any money I didn't have on it.

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