Losing momentum

mr.broderick

neas wrote: »

Dont get me wrong I'm not shouting out your debt just saying... that when tuition fees were 1k... for me personally summer jobs and working sat/sun at B+Q... and not going out as much Helped me keep my debts low... and even have 6k in an isa at the end of it.

Dont justify yourself neas, just ignore the silly people

mr.broderick

kristianwilliams wrote: »

I did a joint degree (thats two degrees running side by side) which cut down on any free time I had. I actually had to study, spending hours a night in halls reading, making notes, and not really drinking.

I have no idea where my money went. After the first year, I found working night shifts in a pub ment I was too tired to work in uni. I quit work and thus, lived basicly off my CC's and OD. Wish I could account for all the money gone, but it went on rent, food, bills, books (jesus, the books each month was worth more than my rent, yet now they are all out of date and worth nothing...plus there full of notes and scribbles and highlights)

Really wish I could've stayed out of debt, but everytime I needed food, It was a choice of CC, or begging, or try and do a hobble for someone. I'll admit I was too proud to beg, and hobbles were few and far between. So I ended up using CC's to buy bread, food, etc etc.

I nearly quit uni because I could'nt afford it, but I stuck with it. Out of the 100 people that started the course with me, by the 3rd year I was the only one left. The others had found it too hard and dropped one of them or the other.

Im also proud to admit my debt, I know i have it and I am currently working to be rid of it (working and paying it off, all my flat is furnished with stuff from freecycle, and I own my own car, thats dented and faded, and worthless but its mine).

I was offered a mortgage when I was looking for a flat to rent with my GF (another story) and I turned it down, a 100% mortgage to me was not in my best interest, I knew that. So I took the decision to pay off my debts, then save for a house.

I'm also not naive enough to start researching about houses a few months before I start looking. A house to me, will be a home. Somewhere I hope to spend my life. So I start now, getting a grasp of how the wheel turns, watching the figures long term.

Maybe im not qualified to discuss this with "actual homeowners" but one would believe that although I have never owned a home, Im not stupid enough to not know what is going on in the world today.

I took a comment the wrong way, and I've said sorry about that. bur Mr Broaderick seems to want to make this about my debt. I will like to point out that I am an intelligent and articulate individual. One that takes offense that my debt should be seen as a factor to my intelligence.

Oh shut up..and it's broderick.

kristianwilliams

Thank you guys. Means alot. I was quite taken back by the way my debt was used to brush me off. It was an almost reverse "he's rich so me must be intelligent" argument/stereotype.

My GF and I have a running joke, that we know we've made it/debt free when we can get a plasma TV and a sofa we did'nt have to tie to the back of the car and drive miles for.

mr.broderick

kristianwilliams wrote: »

Thank you guys. Means alot. I was quite taken back by the way my debt was used to brush me off. It was an almost reverse "he's rich so me must be intelligent" argument/stereotype.

My GF and I have a running joke, that we know we've made it/debt free when we can get a plasma TV and a sofa we did'nt have to tie to the back of the car and drive miles for.

Hilarious.

boinging_2

mr.broderick wrote: »

Hilarious.

I take it sales are slow today. Must be a double whammy to have house prices falling and your bonus dropping.

kristianwilliams

Its ok neas, I was just explaining my debt and why I had accumilated it. Since it was brought into this discussion by broderick. I thought it best to have an open discussion of it since it was used to berate me.

And Broderick? what do you want me to say? you berate me on my debt, I explain my debt and you tell me to "shut up"... what do you want me to do may I ask?

JonnyBravo

kristianwilliams wrote: »

I will like to point out that I am an intelligent and articulate individual.

Will you? OK. :rolleyes:

kristianwilliams wrote: »

and debt sore me through uni.

Intelligent and articulate, just like you say. :rolleyes:


Another of your qualities is undoubtedly biting at any ol' bait. I suspect you'll nibble at this. Maybe you won't cause I'm pointing out the bait.
mr.b doesn't label his bait.... I'm not sure it needs to be labelled for most but perhaps he should make an exception in your case.

Like LillyJ alluded to, this is the internet.... don't get wound up so easily. It's not good for your heart, no matter what your age is. :cool:

mr.broderick

kristianwilliams wrote: »

Its ok neas, I was just explaining my debt and why I had accumilated it. Since it was brought into this discussion by broderick. I thought it best to have an open discussion of it since it was used to berate me.

And Broderick? what do you want me to say? you berate me on my debt, I explain my debt and you tell me to "shut up"... what do you want me to do may I ask?

Forget it you have no social skills..

kristianwilliams

True, maybe I should just call it a day on this thread. I guess I should know better then to let someone get to me over the Internet.

mr.broderick

boinging wrote: »

I take it sales are slow today. Must be a double whammy to have house prices falling and your bonus dropping.

House prices falling would be good for me, obviously people not buying cars wouldn't...