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

The Character Therapist: T3 - Emotional Brain v. Rational Brain

The Character Therapist: T3 - Emotional Brain v. Rational Brain : People do things out of character all the time. Donald Maass says that we should strive to create scenes in which our characters think, talk... -----------------------------------------------------------  Check out Bigga Day's books on Apple iBooks Barnes and Nobles Kobo

Daily Writing Journal: Mo Money Challenge - week 8 which means £8 in the tin!

£8 in coins So I'm on my second week on saving and still not sure. I'm not feeling the pinch per se, but it's hard thinking how am I going to maintain this. So I managed to get a few coins out and gather some change, but at some point I'll really need to organise this. I've put in four fifty pence pieces with come up to two pounds sterling and the rest in pound coins.  Remember the money tin from last week. Well it all went inside that.... How am I feeling? Slightly bored but I still have a long way to go..... Saving money is boring, spending is more interesting.

Weekly update. Verdict on Check It movie, lack of black male role models and normal boring stuff. Oh and I'm still fat.

Hello everyone! So new focus. Yes, I never know what to write about. Never know what’s interesting so I’m just going to write for myself…if that makes sense. There are slew of blogs trying to change the world, radicalise the world, and revolutionise the world so I’m not doing that here. Not am I going to think - oh will people find this interesting or boring. To be frank, I’m a pretty boring person but hey ho let me write.  I’m thinking of changing my gym. Well right now I’m a member of Virgin Active Health Club which styles itself as a life style gym, and to be honest the only thing I use is the hot tub, sauna and steam room. In the three years I’ve been a member, I’ve only been in the gym about ten times, gone for two classes - they are always fully book so I only really just use the hydro-pool/spa, and steam room. I’m a member of the Islington Angel branch which is were all the posh liberals are.  This is a picture of the spa, and pool. The pool can be a bit chill at times.