Thursday, November 13, 2014

Spreading the cost on kids' toys

Today's post is brought to you by ICM Enterprises (uk) LTD Team

When it comes to spreading the cost on kids toys it is good to hear that it actually is a lot easier than you think. You see, here in the UK there are so many companies out there that offer alternative finance agreements that means your kids can get what they want without you having to fork out too much money at the one time. Sound intriguing? Well, it should be.

You see, we are fortunate in that there are two main ways in which you can get those toys. First, you have the age old way of shopping via a catalogue with the likes of Littlewoods leading the way. Here, you can clearly see in the listing how much a certain toy is going to cost you over a certain number of months and at least you can then budget accordingly.
There is of course an interest fee applied, but there is always more than enough information in the catalogue to allow you to work out the total costs. Please do be aware that the interest rate will be higher than your average credit card, but it will still be manageable. Payment options are also very flexible as well, so you can pay it off earlier if you can afford to do so and there will be no penalty to pay either. For more information on the best UK catalogues visit

However, the one thing that you need to be aware of is that you will have a credit limit when shopping with a catalogue, but you will often start off with a minimum of £100. If in any doubt, then their customer service is often very good and a quick call is all that will be required.

For people that prefer to shop in person, then there are still a number of options available to you. One option is to go to a store such as Brighthouse. They offer products in much the same way as a catalogue, but you deal with them in person.
Basically, you get a credit limit, choose the toys, and you will then pay a set amount each month via direct debit until everything is cleared. How much credit you get depends on your credit history and present financial circumstances, but most people are accepted and you can then purchase those toys in a more manageable way.

Finally, you also have one other method and that is via specific store cards such as those you will see at Argos. What happens here is that you can choose from different payment options over a number of months when you effectively borrow a certain amount of money.
You do so through their company and, just as with the catalogues, you can pay a small amount each month although interest is obviously included. Rates are mainly higher than most credit cards, but it is still an effective way of getting those toys without breaking the bank.

As you can see it is very easy to spread the cost of buying toys for your kids if you just know where to look. From the point of view of a parent it is certainly well worth it when you see the look on their face, so at least give some thought to these options and see how kinder they are to your finances.

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