Saving, renting and Mortgage stuff

[Niamh]

Hey everyone!
So heres the deal. I went to view an apartment today. Its its a good 32000 below my max mortgage level, so there is plenty of room for other things.

mortgage is 92% and i need to make up 14000. I could get a Loan from Credit Union. I have 5000 with them and they could loan me 5x this amount.

Problem no.1 i have a credit card bill that could go against me and a small loan with the Credit union that will be paid off in two months. suddenly bank are weary.

Problem no.2 the bank are a bit iffy about the loan to pay the difference between mortgage and property value and think that if i do get this loan, it might be decided to NOT give me the mortgage. However, there is the possiblity that because i'm not going for the full mortgage and the loan added onto the amount i am getting doesnt come near my top end figure they might still let me pass. But i have to provide evidence for the bank that i can save and pay both the loan and the mortgage at the same time...
I can pick up the credit union savings for the last six months on friday, print off an 8 month for my high interest savings account but only four months for my online savings account. I'm great with saving money but obviously my word is not good enough. its all about the evidence.

What i need to do is to reduce the 14000 needed by a couple of thousand, preferably the amount of the first deposit that is needed to secure the apartment. As its so cheep there is a lot of interest and i need to get this sorted out this week... as in the next 2.5 days.

So i've decided to sell off a large chunk of my books, cd's and dvds... i'm even bringing some of my antiquarian books into a specialist shop tomorrow. I'm hoping to just get even 200€ for my first edition Playboy of the Western World. (yes you read that... i'm selling my precious Synge!!! )

what i need is a few more suggestions of what i can do in the next couple of days to get the extra cash. Any suggestions??? I really want to get this apartment so badly!

[BienvenuJDC]

[Niamh]

Good idea Bien but i dont think it would get me very far.

[The Comedian]

Donate plasma? a kidney?

[Niamh]

humm... not sure about that.

[BienvenuJDC]

Donate plasma? a kidney?

Figures that she gets a bunch of comedic response from a couple of goofs like us...

[Niamh]

I sent an email to amateur photography magazine to see if they would be interested in buying some of my photos and asking for advice also. I attached a few examples. Probably get a no but it was worth a try! not a short term goal but who knows!

[DanielBenoit]

Hey, plasma is not such a bad idea. Not something I can or ever will do because I am terrified of needles, blood and the idea of being drained of blood, but as a matter of fact, multiple people in my family have done it and get good money. I have no idea what the equivalent your Irish money is to our dollars, but one does get a reasonably good amount of money after doing it a few times.

[Niamh]

how do you even go about doing that??
Not that i would. terrified of needles also!

[DanielBenoit]

(First, I've never stepped foot in one of those places (again, ignore my sentiments for they are phobias) but I've heard second handedly of the process from my non-needlephobic family).

What I think just happens is that you go to the plasma center (there's usually an induvidual building in which they do it, or in other cases in may be in a hospital) and after setting up an appointment you go it and they simply just prick a needle into the joint of one of your arms and there it goes. I've heard that you can't feel a thing and that they numb you out (though I'm not sure).

Talking about this makes me cringe unbearably, but if you're not afraid (for there is really nothing to be scarred of) and need cash badly, then I would definitely check it out.

[OrphanPip]

I've given blood before, it's not that bad. I don't think most places pay for blood though, it's kind of an American phenomena. Here they just give you free cookies and orange juice.

[BienvenuJDC]

Actually I am a multi-gallon donor here in the States. I've never been paid for it, but I've heard of the concept. I was always willing to give freely of my blood for the benefit of those who might need it later. Most of the time blood is given to the American Red Cross....for cookies and juice, like OrphanPip said.

[The Comedian]

When I was in college, you could donate plasma twice a week: they take your blood and swirl it around to take out the plasma (a clear-ish liquid) and then put your red blood cells and other biological gunk back into your vein.

A lot of beer was purchased with that blood money.

[Scheherazade]

Niamh> Try Ebay. You can put a price limit on your items so if they don't fetch the amount you have in mind, you can cancel the sale.

Good luck!

[Niamh]

When I was in college, you could donate plasma twice a week: they take your blood and swirl it around to take out the plasma (a clear-ish liquid) and then put your red blood cells and other biological gunk back into your vein.

A lot of beer was purchased with that blood money.

I dont think you can do that here. oh well!

Niamh> Try Ebay. You can put a price limit on your items so if they don't fetch the amount you have in mind, you can cancel the sale.

Good luck!

Thanks! I need it!