*heavy sigh* here goes nothing

**Nettie** · December 16th, 2010, 06:40 PM

Good luck hun. xxx

I've just done this too. Feel awful that we're now in debt more than double what we paid for the house 15 years ago!

But this time I'm really hopeful that we'll make some improvements to the house and we'll be able to make some headway...

I hope your approval comes through early so you're not waiting around all day...

**maz** · December 16th, 2010, 06:41 PM

Toni - we're the same but Id rather do that then rent. I couldnt handle not being able to rip down a wall if it annoyed me

Sadly Its going to be a shock to me...Ive never NOT had a credit card...*gulp*

Monday...good god its going to kill me!!!!!

**Tinks** · December 16th, 2010, 06:52 PM

Sadly Its going to be a shock to me...Ive never NOT had a credit card...*gulp*

Get a Visa Debit card. They're great.

**CrazyLady** · December 17th, 2010, 10:14 AM

Toni - we're the same but Id rather do that then rent. I couldnt handle not being able to rip down a wall if it annoyed me

Sadly Its going to be a shock to me...Ive never NOT had a credit card...*gulp*

Monday...good god its going to kill me!!!!!

A house is good too if you need a lot of money in an emergency. My Aunty and uncle had to refinance their house to fund cancer treatment. Not saying anyone will get cancer but it's nice to have that security.

DP and I have NEVER had a credit card. If we don't have the cash for it then we can obniously live without it. I'm 26 and he's 31 so it's not as if we're really young

I'm good with finances though and we seem to make ends meet (JUST)

FX for ya Maz! You're a smart chicky and it'll work out!

**maz** · December 17th, 2010, 02:23 PM

I can uncross everything....we got declined *sigh*
so will be making a list of all the bill's and working my way through them from lowest to highest.
I kind of thought we wouldnt get one...dont know why but my gutt normally is right with this sort of thing.

We'll just do it the hard way as per usual.

**Bumperstump Cummerbund** · December 17th, 2010, 02:27 PM

That's ridiculous

I like how everyone's eligible EXCEPT the people who could really use it

Can you try a different bank Maz? That's worked for us in the past, some banks are more lenient/open minded than others...

**maz** · December 17th, 2010, 02:29 PM

I probably could but I think that Id prefer to wait 6 months and pay off as much as i can in that time and jam it up them. Another thing I thought about was that if we consolidated the banks would miss out of a bucket load of interest on us combining everything...KWIM
I'll just have to be really tight, no more trips to Melbourne for a while

and work, work and um work lol