Are any Banks Lending?

Louth Planner

Jan 14, 2008
Earlier this year I was fortunate enough to be able to clear a 5 figure credit card bill and pay off the mortgage.When I told the bank the credit card account was being closed they questioned me and offered me the carrot of 6 months interest free on all purchases-it was tempting but I declined.My friends wanted to know how I could live without a credit card and said it was impossible to do so.
My advice for anyone who is experiencing cashflow difficulties would be to keep an excel spreadsheet detailing all expenses -you don't have to include the cost of every Mars bar -but after a few months you will get a good idea where your money is going and if you are living beyond your means.
Also when you run out of money stop spending -don't be getting loans from family/friends or the credit union.
Yeah, I think Money Advice and Budgeting Service (Ireland) have a downloadable budget spreadsheet for just that purpose.

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