Park Hampers,saving weekly for christmas or that new telly or mobile phone

After finding myself in debt every january after splashing out at christmas or if i needed to replace my cooker or washing machine,i found a company called park hampers,i was a bit suspicious at first as i had read in the newspapers about farepak hampers collapse,lots of customers who had lost their money and how it had ruined many peoples lives.

so i read up on park hampers and found out that my money is guaranteed (due to what happened with farepak hampers) any money i paid in was kept in a trust,then when i had recieved my goods the trust would release the payments to park.

now 5 years later i couldn't do without them,i order high street vouchers every year (you never pay a penny extra on vouchers) and depending on my order size i also receive commission ,so not only do i get to pay weekly for my familys christmas i also get paid commission on my order.

say for example you want to save up £450 in high street vouchers over 45 weeks (which is how long the payments are spread over) you would pay £10 a week,your last payment is due by 1st november (you can pay it off earlier if you want) then you recieve your vouchers around the 6th november.

The question im sure is what is the down side,well the only down side i have found is if you don't want vouchers or a voucher card and you want to say order toys or a t.v instead the price does go up,but you have the luxury of paying it weekly rather than having to find the whole amount.

my tip to you would be buy the vouchers,and pick your own telly from the many shops the vouchers cover,that way

1. you wont pay anymore for the t.v

2. you have a big chance of finding a sale or managers special which will bring the price of the t.v down even further,thus making your vouchers go much further,and you pay no extra on buying vouchers.

win win situation,take a look and see what you think.

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