To overdraft or not to overdraft?

[MJRallying]

There is something i really want to go and buy today but im flush for this month money wise all bills can be paid etc out of my own money not touching overdraft.

Now if i go and buy this i will be on my overdraft, do i or dont i??

Just hate going on it gets me stressed lol

[dannyboy2005]

nd what your buying?

I always promiced my self i'd save untill i want it, not get my self into Debt.

[Marcos]

dont get it, wait till you can afford it if its still going to be there

[MJRallying]

I guess, its a ps3 they go for stupid money these days, £300 for an 80gb :(

[craigy_87]

can you get out the overdraft in no time at all an cancel it, if you can i say you might aswell

[Sammy-Boy]

I would save mate and then buy it :D

[wallsy]

Id say don't do it, wait till you have the money! much less stressed that way, like worrying you got pay money back... PS3's are good though. ;)

[MJRallying]

Id say don't do it, wait till you have the money! much less stressed that way, like worrying you got pay money back... PS3's are good though. ;)

True i have enough debt tbh.....i will stick with the xbox for now

[Mitchell]

i go into my overdraft all the time but its always sorted by the end of the month when wages go into my account

i say do it

[trcygrdn]

If it were a 'need' thing it's worth it but wouldn't for a 'want' item. Remember chrimble is just round the corner too....that means big bucks!!
xx

[OLLYVTS]

I would only do it if you can pay off the overdaft on payday and have still have enough money to last you the month.otherwise you will get stuck in it every month.

[Mark51]

i thought this 12 month ago and did it and have never been out of it, lol

£1500 overdraft ftw. its not classed as debt, honestly

[MJRallying]

I think i will leave it then guys.......:( if only my nitro rc car would sell i could afford it :(

[bide_furio]

wud save buddy! going to go down in price soon to match the xbox! so save for it dont cause urself stress just for a console!

[MJRallying]

I would only do it if you can pay off the overdaft on payday and have still have enough money to last you the month.otherwise you will get stuck in it every month.

Thats true i think i should be fine by end of month tbh.......

i thought this 12 month ago and did it and have never been out of it, lol

£1500 overdraft ftw. its not classed as debt, honestly

Haha nice one mark, mine is only 300, if i had a 1500 one i wouldnt mind dipping into it :)

[dobbo_1]

dont mate honestly when you know its there you will spend it like i did now im stuck with -750 in my acount

[MJRallying]

But guys as my other thread said yesterday i got 200 paid into my account from my previous job now i wasnt expecting that so i would have had to manage without so do i use that as a present and treat myself??

Will only cost me 200 as i can trade my xbox in for 100

[trcygrdn]

Until recently I used to live in my overdraft. Get paid, clear it, use it all again. :panic: Not a good situation to be in. Took me ages to pay it off. Now have a £250 'emergency only' overdraft.
xx

[trcygrdn]

But guys as my other thread said yesterday i got 200 paid into my account from my previous job now i wasnt expecting that so i would have had to manage without so do i use that as a present and treat myself??

Will only cost me 200 as i can trade my xbox in for 100

This is true. You sure that you definately don't have to pay that back?
I've heard the ps3 isn't as good as the x-box though.
xx

[MJRallying]

This is true. You sure that you definately don't have to pay that back?
I've heard the ps3 isn't as good as the x-box though.
xx

My argument will always stand the same i think there both as good as each other in there own ways.

Im not paying it back its there mistake.

[Mattt-VTR]

i go into my overdraft all the time but its always sorted by the end of the month when wages go into my account

i say do it

Agree with that 100%

[MJRallying]

True i guess but they will only give me £80 for my xbox and 1 game :(

[trcygrdn]

My argument will always stand the same i think there both as good as each other in there own ways.

Im not paying it back its there mistake.

Fair enough then. I'd still leave it a while before spending it just incase. Did that with a suprise tax refund that I didn't know I was getting. £400 appeared in my bank and was paranoid about spending it until I definately knew it wasn't a balls up.
Does ps3 come with all necessary add ons though or will you end up shelling out for those too? (Eg online stuff, selection of games etc?)
xx

[Mattt-VTR]

True i guess but they will only give me £80 for my xbox and 1 game :(

Xbox 360?

[MJRallying]

Fair enough then. I'd still leave it a while before spending it just incase. Did that with a suprise tax refund that I didn't know I was getting. £400 appeared in my bank and was paranoid about spending it until I definately knew it wasn't a balls up.
Does ps3 come with all necessary add ons though or will you end up shelling out for those too? (Eg online stuff, selection of games etc?)
xx

Yes comes with it all, pfftt i will wait i think lol :P

Xbox 360?


Yep mad aint it

[Mattt-VTR]

Tell them to suck your salty left testicle and then walk out!

£80 for a 360 what an insult, IMO the 360 is better than a PS3 especially for online gaming, but that is my opinion.

[MJRallying]

Tell them to suck your salty left testicle and then walk out!

£80 for a 360 what an insult, IMO the 360 is better than a PS3 especially for online gaming, but that is my opinion.

Exactly i will fire forza up now i think :)

[ChrisandKerry]

PS3 is a great thing but the longer you save the cheaper it will be and also the quicker you get one the faster the turn into a dvd player i know i have one lol

[adam19]

save your money then if you still want one then get one- not worth the hassle of getting into a lil debt witch could turn to a nasty debt:n:

[mikey362vtr]

i have an overdraft of £100 and i cant stop dipping into it mainly coz one of my direct debits goes out at an inconvinient time but it let me buy mud flaps ths month n that will get paid off next month.

[JBVTR]

Alot of mobile phone contracts come with a free one now if you're due and upgrade? One of my mates whose contracts almost up rang to cancel and got a free one sent out with a phone upgrade last week