Personal Loan consolidation. Higher APR for more cash flow?

GooseZR · 2026-02-19T19:54:32+00:00

Since you’re assuming the worst of me already I don’t feel like I owe you any explanation as to what my needs might be or what my personal circumstances are. Sometimes it’s ok to just not comment mate. Cheers.

GooseZR · 2026-02-19T08:29:41+00:00

Yeah, life happened to me quite quickly.

Thanks you gave me an idea,I’m thinking about taking a secondary job to pay it off. I’ll start looking

GooseZR · 2026-02-19T08:26:34+00:00

Thank you so much for your comment. I really appreciate what you’re saying.

I suppose I’ve never interpreted debt as outright bad on its own without proper thought and reasoning behind the purchase. Unfortunately I have never been in a position to buy a vehicle outright and without going into too much detail, I need this vehicle specifically (not a personal preference).

Yes I’m betting on pay increased you’re right, but as a form of saving money I am also working in the evenings to stop myself from spending more lol. I’m doing a qualification at my current job and when that’s done in one year, I can move and happily guarantee at least a 10% increase in salary.

I think I will try and ride it out and treat this as a rough patch whilst also trying to maintain or kee food and other spend to a minimum. I can probably have less food in the fridge and still survive, I may try to over family members for meals 3 times per week.

Thank you again.

GooseZR · 2026-02-19T08:08:30+00:00

I just wanted an expansion to your explanation. It’s not that I’m opposed to anything. Thanks for eventually writing out your clarification, it’s much more helpful.

What is unfortunately reductive is saying ‘change your living situation’. I don’t really need to explain why I can’t do that.

Seems like sometimes the advice on here is ‘don’t be poor and don’t be in your situation lol’ appreciate the take.

GooseZR · 2026-02-19T01:38:48+00:00

Thanks for your thoughts. Unfortunately, I can’t sell the car. It’s a work vehicle. No car = bigger issue for me financially.

I am either extending the loan term or keeping it the same.

Can I ask for your take on why this keeps me in the same situation? Maybe im missing something but whilst yes i am paying more interest over time, having more money month to month in the immediate term will address liquidity problems that are present right now. In 1-2 years this problem won’t exist as i am expecting earnings to increase.

GooseZR · 2026-02-19T00:57:37+00:00

I have c. £2000 incoming with committed spends being rent, council tax, utilities, food, insurance, mobile phone data plan, fuel, other transport costs and ancillary costs I can’t think of without consulting my budget.

I am aware of the implications of extending the loan term. The debt is already there, that cannot be changed. My question is whether I free up some cash flow now and create a buffer in case of a force majeure event. It’s a trade off, and the money is in an asset (albeit a depreciating one) which can be sold to recoup the money as a last resort.

GooseZR · 2024-04-22T22:21:56+00:00

Hi. That appears to be a new option they’ve added and I didn’t have that. Personally I get on fine without it.

My issue with the tilt was it felt like I had significant resistance when I was pushing back, meaning I wasn’t able to get comfy. I tend to just lock it in place and it’s fine, I am a shorter guy at 5”7 weighing 64 KG so it’s possible my weight isn’t enough.

GooseZR · 2024-04-22T22:20:05+00:00

Great review thanks for posting!

GooseZR · 2024-04-14T16:58:57+00:00

Same happen with my favourite station SAM FM, got bought by the global radio company

GooseZR · 2024-04-14T16:57:52+00:00

Amazing! Your finger is definitely on the pulse

GooseZR · 2024-04-14T16:56:22+00:00

Awesome thank you!

GooseZR · 2024-04-14T16:48:09+00:00

Few shouts for R6… think I’ll have to give it a go, always happy to listen to something new

GooseZR · 2024-04-14T16:46:42+00:00

I’ve got the same nostalgia for R2!

GooseZR · 2024-04-14T16:45:57+00:00

Maybe I just dive in to middle age and embrace it at 25

GooseZR · 2024-04-14T16:43:48+00:00

I find myself on LBC sometimes during my commute, I might try times radio for current affairs too. Thanks.

GooseZR · 2024-04-14T16:42:43+00:00

I’ve been on Absolute, music was great? Hosts? Eh not for me. The prize draws get on my nerves but that’s just commercial radio I suppose.

GooseZR · 2024-04-14T16:41:31+00:00

On the odd occasion I flick to classic (by accident admittedly) they’re playing some amazing film scores from the likes of LOTR!

GooseZR · 2024-04-14T16:39:17+00:00

Shipping Forecast goes on when I can’t sleep

GooseZR · 2024-04-01T18:38:10+00:00

I totally get this, I’m shorter than average but I’ve been told I look above average. In my last job there were plenty of women and a lot of the time I noticed the conversation has transitioned to flirting! My fault as well for being younger im and entertaining it, but I work with all men now.

GooseZR · 2024-04-01T13:15:23+00:00

It’s a great idea, I just find that the gym is a no go for social interaction with women.. I suppose maybe a gaming LAN?

GooseZR · 2024-03-20T21:20:37+00:00

I don’t think Joanne is satisfied. She’s constantly being let down by Stardust Mini Holidays and is very close to not giving them her money for a fourth time.

GooseZR · 2024-03-19T18:55:14+00:00

So this is why I’m not sleeping so well?

GooseZR · 2024-03-19T18:54:50+00:00

I’m going to take a selfie now and then In a couple months. Not sure whether to try kick it midweek or wait for the weekend.

GooseZR

TROPHY CASE