Tom
Member
Registered: 3rd Apr 02
Location: Wirral, Merseyside
User status: Offline
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quote:
Originally posted by kerzo
quote:
Originally posted by micra_pete
i owe 60k, due to mortgage, surely people with loads or dept shouldn't be looking at ways to take out more loans?
or looking at getting a nice new crx del sol/scooby
Crx del sol was gonna be 3k's worth, my car needs to be sold for reasons I don't wana discuss
I said I might wait until next year to get a scooby I will have paid off alot of this debt by this time next year (as it's 2 loans for 5kish each now) this is why i won't consolodate.
I will be earning more money this time next year and will have alot less debt, I will be in a better position than most who buy themselves a 'newer car' now as I live @ home and will be for the foreseeable future.
So
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Adam-D
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Registered: 11th May 02
Location: Cheshire
User status: Offline
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tom
http://www.corsasport.co.uk/board/viewthread.php?tid=113988
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jaffa
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Registered: 27th Mar 00
Location: Stoke-on-Trent
User status: Offline
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quote:
Originally posted by barry_kellett99
quote:
Originally posted by jaffa
quote:
Originally posted by barry_kellett99
quote:
Originally posted by jaffa
my mate has student loans student hard ship loans and about three overdrafts so been put well off borrowing too much.
When will people realise student loans are not debt in the normal sense of the word.
If you cant pay it back you dont pay it back
[Edited on 15-01-2004 by barry_kellett99]
they are still debts and are taken out of your wages when depending on how much you earn.
also my main point of that is the three overdrafts that he has, which he will eventually pay interest on.
FAir enough on the Over Drafts, but the amount of loan paid back each month is Minute, i pay £60 back a month currently and i borrowed appx £10K in total, university cannot be done without.
What about hardship loans? They dont be paid back do they? Although i am unsure i never had one
still £60 a month being paid out
hardship loans. my mate was given about 500 and loaned 700 more
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Keeley
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Registered: 30th Aug 02
Location: West Midlands
User status: Offline
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quote:
Originally posted by Girl_racer
how long you been back for keeping a low profile these days ?
well cant type loads with one hand so only post abit 
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Kris TD
Member
Registered: 25th Mar 02
Location: Ware, Hertfordshire
User status: Offline
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quote:
Originally posted by kerzo
lol how do you get into so much debt!!!
its called going to uni
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Dom
Member
Registered: 13th Sep 03
User status: Offline
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im not in debt....well if i am, its only about 100 quid with my fokes, so its all good for me although im skint as a tit though  need to get a job, but halfords looks gay and tesco's dont look much better Anyways, i hope you lot get ya debts sorted and what not and im not looking towards my uni either - its making me think twice about it.
If i go to the one i want, LIPA, my course is 8k a year just on tuition fees  since its a private course, so i wont get any help from the government I worked out that i will have a debt of about 40k atleast, after living, fees etc For 40 grand that would get me a nice car, a lotus or something, or turbo me corsa and get insurance for a few years, uni's a joke these days
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Mattb
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Registered: 2nd Feb 03
Location: Under your sisters bed
User status: Offline
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i do not enjoy debt, i've been at the end of my £1600 overdraft for the last year! 
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Cole
Member
Registered: 11th Nov 02
Location: eastbourne Drives:zafira sold now a qashqai
User status: Offline
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just do wot i did tonight win 2k at bingo now i am debt free
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Nath
Member
Registered: 3rd Apr 02
Location: MK
User status: Offline
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Hmm seems like everyone is in debt. I'm not bothered at all by my debts. They are well under control and will be sorted in a couple of years. Besides anymore debts that i do accumulate will just be paid off as part of my mortgage or something in the future.
BTW i am not the worst off in this thread, not by a long way. Although HSBC just inexplicibaly doubled my credit card limit 
Plus if needed be i could sell my car and pretty much be debt free Best way!
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AK
Member
Registered: 5th Jul 00
Location: Aberdeen City
User status: Offline
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i pay way to much a fookin month
Around
450 on rent
60 on phones
30 on power/heating
100 on student loans
200+ on credit cards etc
150 on pension
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Nath
Member
Registered: 3rd Apr 02
Location: MK
User status: Offline
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Pension is all good though 
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drunkenfool
Member
Registered: 7th Feb 03
Location: Hereford Drives: Audi R8 V8
User status: Offline
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yeah i got a pension started. Only £20 a month, but im not earning much yet and it all adds up!
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Nath
Member
Registered: 3rd Apr 02
Location: MK
User status: Offline
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Mines £80 per month at the moment.
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drunkenfool
Member
Registered: 7th Feb 03
Location: Hereford Drives: Audi R8 V8
User status: Offline
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my mates think im stupid having pension at 19, but ill be lapping it up when im an OAP when they are all shivering in their blankets drinking cold tea/
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Nath
Member
Registered: 3rd Apr 02
Location: MK
User status: Offline
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It makes perfectly good sense to have one now. I started mine at 18 and i was puttin £80 away each month then too 
I put £40 and the company matches it.
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sassyminx
Member
Registered: 10th Jan 04
Location: Hartlepool Drives: Cossie
User status: Offline
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bloody hell and i was gettin really wound up cos i hav 5k of debt, no credit cards like, left me ex and took a load of his debts wi me, silly i got a loan in his name he sed bugger u i aint payin it :O not happy!! i got a pension tho, £50 a month, been payin since i was 19
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Ally
Member
Registered: 2nd Jul 03
Location: Pontypool Drives: a Skoda
User status: Offline
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I started my pension at 16.
How morbid a i
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sassyminx
Member
Registered: 10th Jan 04
Location: Hartlepool Drives: Cossie
User status: Offline
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gotta think ahead tho init, more money in the long run
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Pablo
Member
Registered: 3rd Feb 03
Location: Milton Keynes
User status: Offline
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I started my pension at 17 - I have always put £80 and the company put some in aswell i think i dunno in's and outs i just do it.... 
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Tom
Member
Registered: 3rd Apr 02
Location: Wirral, Merseyside
User status: Offline
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I got a very good pension scheme, it was non contributary until this year and it's still on 2.5% of my wages (and they give me loads on top), I've also been on pension scheme since I was 17
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Demo
Member
Registered: 27th Sep 01
Location: south wales Drives: astra sri ecoflex
User status: Offline
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i started a pension about 6 months ago. pretty good scheme too. i pay 3% of my wages into it every month and the company matches it, so i effectively get a 6% pension going in every month. not bad for working in a supermarket
you gotta have a pension these days cos when we all retire the state pension is gonna be fuck al or even worse non-existent
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Tom
Member
Registered: 3rd Apr 02
Location: Wirral, Merseyside
User status: Offline
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Yep agreed
Our scheme more than matches i think
Hopefully i'll be on about £50k by the time i'm 50 (or equivalent in 2033 money ) and i'll retire early
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