To put a tumble dryer on my credit card?

[Lemononachair]

I have a credit card which I got about 18 months ago as a way to try and build up my credit rating again. It was meant to be only for emergencies and/or large purchases that I couldn't afford outright in one go. I have terrible credit as a result of my exH leaving me in debt and with CCJ's (which will hopefully be discharged next year!) so I can't get much in the way of other credit. Unfortunately lockdown and furlough have left me in financial difficulty and I've been having to use the credit card more and more lately, it's not maxed out but I'm using more than half of my available limit and getting close to the limit of what I can afford to pay off every month.

I live in a single glazed property with no central heating - I have one gas fire in the living room and that's it. I'm finding that now it's getting much colder and wetter it's getting really hard to dry my clothes when they get washed and especially now I'm back at work I need to wash things regularly. My work clothes get filthy and need to be cleaned thoroughly. At the moment I'm drying them on a clothes horse in front of the fire but they are still taking 2 days to fully dry and smell damp and musty by the end 😞

Wibu to use my credit card to buy a tumble dryer? Really can't see a way to manage the whole of autumn/winter without one 😭

It’s okay if you pay it off straight away. Not okay if you only pay the minimum each month.

A bit off topic but do you have any secondary glazing on your windows? I bought some of that film you stick over the window and then use a hair dryer to shrink it. Makes a difference! Just thinking about your bills too.

I would go for a dehumidifier. Mine dries clothes pretty well also removes moisture from the air which will be beneficial in a house with no central heating.

I live in a house which although well heated is still damp/not great ventilation and heated airers and dehumidifiers make bugger all difference. In my old house which was modern and insulated stuff would dry on an airer overnight but here it takes two days with a dehumidifier on - so saves me no money. Using the tumble drier is easier and cheaper in the long run and much more pleasant all round. So based on that experience I’d say do it.

Go for it. Have you looked at buy now pay later at currys or a catalogue you can pay it over 6 months if you start paying now.

Not what your asking but would the new energy efficiency grant they've just bought out be any good to you? I think it can cover efficient new heating, insulation and/or upgrade windows.

Don't know if you own your home, but I think it's open to landlords as well, so even if you rent it might be worth mentioning it to them.

No I wouldn't do this...I'd get a heated airer instead

If you can't pay it in one go you can't afford it. I'd transfer balance to a 0% card then graft to pay it off in the 0% period. Then use the money I was paying for minimum payments to save up and emergency fund or dryer. You can pick them up second hand next to nothing on fb/ebay/schpock

Take a look on your local Facebook market place or local charity shops who do white goods. You'll get one at a much smaller cost. Ours cost us £50 and has lasted well over a year

If you feel you can afford to pay it back then yes. In my house a tumble dryer would be deemed an emergency! I have two children and so much washing. Drying around the house is unrealistic for us! So I would do the same.

As others have said tumble dryers can be pricy to run but you can buy some machines that are more economical. Mines B rated for energy and tbh it’s on every day and my energy bills didn’t increase excessively!

We got a Beko condenser dryer a few years ago when living in a flat with shite electric storage heaters. It took two days to dry things in that flat and, as you mentioned, they smelled like wet dog when they were finally dry.

I personally don't find it expensive to run but it's only the two of us living here so it's on for 45-60 minutes twice a week. I put heavier items through an extra spin in the washing machine and then the tumble doesn't take long at all to get them dry. It made such a huge difference when we bought it.

What is the capacity on the dehumidifier tank you're using? How often does it need emptying?
It doesnt sound like your dehumidifier is working properly.
In your position, I'd buy a decent dehumidifier and continue drying your clothes on a clothes horse.
The dehumidifier will dry the air and you'll benefit from cheaper bills as well as dry washing. A tumble dryer will only dry clothes and there are clothes you cant put on a tumble dryer cycle.