every month my employer pays my salary into my bank account. i have a card and i can withdraw money at any cash machine. i am not very good with money and i usually have an overdraft by the end of the month. i almost never have any Balance.
A few month ago i had to get a loan some money to buy a new car and the interest rate was 8%. What a rip-off! Anyway, the arrangement is that i repay the loan in twelve monthly installments. i hate being in repay but i had no choice.