Skip to main content

52 Week Money Challenge - Week 21 £21 in the pot drama free....I think..a bit on student loans.

twenty one pounds sterling
I nearly wasn't going to make it. In fact I had this cash on my counter and I was thinking of spending it. Yes, I was. I was going to spend it and put in an IOU note in the box, but somehow, I forgot.

twenty one pounds sterling next to the money pot

Like this is boring, saving is boring. Its not one of the most interesting things to do. I wonder how these money blogs do it, talking about savings etc. Boring. However, it's good to save for an rainy day or emergency, don't just spend, spend, spend and live in the now. Especially if you are in your twenties. Don't get yourself into a huge amount of debt, unless it's student debt. Yes, I'm using my laptop as a display.

Money now in the pot. So Disclaimer, I'm not a financial expert or authorised to talk about debt, do not take this as official financial or investment advice.  In the UK folks moan about student debt, but it's really money loaned at the government at a tax-free rate. Like it comes straight out of your pay-packet before tax. You also pay according to how much you earn. It's also a longer term loan and no one is going to send the bailiffs to your home or cause you stress with nasty debt letters - at least in the interim future. Also people don't complain so much about paying a mortgage, that is still debt. Oh well, each to their own, I guess in the end, it depends on the value you think a degree will add. My former boss, a complete whiz kid, very talented, once said he wouldn't have gone to college given today's student debt. I'm not sure given he is super talented and a one-off, and impeccable work history. Working for him was so stress-free, and he was super organised. For example, it didn't make a difference if he was in the office or out of the office, because he just let us get on with it. Me at today's loan? I would have taken out the loan but I'd have been super ambitious and probably less flexible in my career options, just change after the money. I did take out loans but not the amounts of today. Anyway, as I said I'm not a financial expert or authorised to talk about debt, do not take this as official financial or investment advice. 


Popular posts from this blog

My African American & Black Love Romance Adventure Nearly Ready After Four Years.

Thanks for dropping by and taking the time to read this. This post is going to be about my upcoming black love and African American contemporary romance release, which I think tentatively will be late this year or early 2024. It will be a six-part serialised novel, and I'll reveal the date nearer the time. It has been five years since my last black love romance novel. I have two novellas published on Amazon, and I'm  pleased to finally say, I'm about to publish again. It's been a long time.  I planned to release this book in February 2019, but after a long writer's block and other things, it had taken me this long to complete it.  If you follow this blog on and off, I've spoken about it a lot over the years. I'm thinking maybe I should relabel those blog posts as a series of how it developed.  The Story Description The names have changed well from Angelica to Pippa but it's fine.  Everyone wants someone special but PIPPA MILLER thinks not her. She

Finally I'm getting close to a release date for my urban Black Love African America Romance now Pippa & Leyton

I'm working on a pre-release campaign and it isn't going how I'd like it. However if you have being reading me on and off, you'll know I've been writing some novels-in-progress for the longest times!  I stopped writing about it because it just got EMBARRASSING especially when I planned to release this book in 2019. Yes, five years ago! But it's nearly there.  Leyton & Pippa The heroine started off being called Angelica but I kept on misspelling it so I changed it to Pippa. If you look under the label Angelica & Leyton a lot will come up.  Anyway I'm exciting to say, I'm getting reading for publication soon.  Its going to be a six-part serialised instalment, and I'll have details nearer the time.  Maybe A Six Months Countdown I'm planning between three to six months, however when the details are clear, I'll write a post. I'm also doing an extended blog posts on another blog but I'll keep it short and simple here. 

On holiday And Vacation in Alcudia,Mallorca

I'm on a holiday break in Mallorca, Spain. So this means a I won't be writing the prompt. On holiday, I normally have a break from  the internet though it's difficult nowadays with free WiFi. The hotel is okay. A four star on the lower end of the scale - this means no kettle and renting the safe.   The higher end have more add ons. The room are tiny but functional and nice however in fairness it is a beach holiday destination so I doubt there is much lounging around. Food is okay. Superb beach. Everyone seems laid back and relaxed.