Q. I am thinking of going to my local credit union to take out a € 2,000 loan to pay off a couple of friends who loaned money to me before Christmas and my credit card bill of € 1200..Over a two year period at 9.5% it is only €45.91 per month but added to my rent of € 800 and another loan of € 254 per month ( for the car ) I am already beginning to feel the pinch. I earn a net € 1600 per month. Any advice ? Thanks. Dave – Swinford Co Mayo


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