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Though, having said all that

posted by [personal profile] pmsumner at 06:43pm on 09/07/2002
I may just not buy a wavefinder and save the money until next month to buy a DVD player, or a decent monitor. A DVD player is vaguely more useful, and you can pick up a half-decent model for £150 these days. Possibly, then again - I may just save the money again and shove it on my easyMoney.com card. I have lots of gadgets I don't use to their full extent - such as my digital camera and my Handspring Visor. I should investigate flogging one of these off and putting it towards paying off my debts before buying something else.

A life without debt... Can anyone imagine such a thing? Is there anyone who reads this who is over the age of 18 and who also has no debt (ignoring credit cards)?

*waits 'till the end of the month to decide how much to pay off on his cards*
Mood:: 'contemplative' contemplative
Music:: TOTP2 - Elton John, ick
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There are 9 comments on this entry. (Reply.)
 

(no subject)

posted by [identity profile] meirion.livejournal.com at 11:19am on 09/07/2002
nope, cos i have a mortgage ;-)

apart from that, i'm currently fairly happily in the black. i haven't been in the red since 1993, and *that* was because i'd just had a nervous breakdown !

-m-
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(no subject)

posted by [identity profile] phil99.livejournal.com at 11:23am on 09/07/2002
Hmmmm, I did consider ignoring mortgages and counting credit cards, but then I decided that a mortgage is so long term that it just can't be ignored.

Mortgages scare me :)
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(no subject)

posted by [identity profile] cyberjunkie.livejournal.com at 12:34pm on 09/07/2002
electronics get flogged and i don't?
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(no subject)

posted by [identity profile] phil99.livejournal.com at 01:38am on 10/07/2002
Electronics are my slaves and do my bidding with no talking back :-P
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emma: (Default)

(no subject)

posted by [personal profile] emma at 06:21pm on 09/07/2002
i'm going to be 20 this november, and i don't have a credit card and nor do i plan to get one in the forseeable future. i have £2000 in a savings account, which i'm not allowing myself to touch. that is the money i will use on top of my student loan when i finally get to uni, and this will mean i can be more comfortable than i would be otherwise. i want the nice rooms with the tiny en suite bathrooms, i want a network connection, i want a laptop. i worked for it, and i'm not about to dip into those savings, because i saved them for a reason. i don't expect i have more than £100 or £200 on top of that, so i suppose it's just as well i don't go out much.
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(no subject)

posted by [identity profile] phil99.livejournal.com at 01:13am on 10/07/2002
i have £2000 in a savings account

Ahh, good start. Having the time to save some cash is definitely an advantage when going to uni. Being 20 rather than 18, as I was, has to be a good thing, financially speaking at the very least.

i want the nice rooms with the tiny en suite bathrooms, i want a network connection

Hey, I had a great room and whilst it wasn't en-suite, it had a network connection (small problem with living 4 miles away with campus - it was a microwave link that would die whenever it rained extra-hard, not too often *smiles*). Point being that it was cheaper than all of the shitty rooms in central Manchester.
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emma: (Default)

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posted by [personal profile] emma at 10:49am on 10/07/2002
heh... well there are lots of different rooms which are all university halls, and i've studied the brochure now for two years running so i'm pretty familiar with all the pros and cons! i'd be quite happy to go this september, but i can't do that unless i go through clearing. and i don't want to go through clearing becasue i know where i want to go and stuff. so i'll be nearly 21 :( i expect i'll get a job between now and next september, although i do have studying to do which i find it hard enough to knuckle down to as it is, so i don't need another distraction until i get into some kind of routine. but i will have to get a job or i will go mad. i'm pleased that i have some money saved though.
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(no subject)

posted by [identity profile] phil99.livejournal.com at 03:37pm on 10/07/2002
i do have studying to do which i find it hard enough to knuckle down to as it is, so i don't need another distraction

Oddly enough, I find it easier to study when I have a job. It forces structure into your day, meaning if you want to get ahead you have to organise your life, which is a large portion of figuring out studying gone without even thinking about it.
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No debt.

posted by (anonymous) at 03:17pm on 10/07/2002
I'm 25 and have no real dept, the loans I have are significantly lower than my savings - I'm getting more interest on my savings than I'm getting charged on my savings so there's no point in paying them off.

It's rather easy when you are in a job long term and are pre-mortgage. It's the mortgage that will drive into long-term debt.

Getting rid of any debt that costs you more than you can save is the biggest important thing you can do in your life even if it costs you time in having to wait to buy gadgets. Especially wavefinders that keep appearing on 40quid special offers.
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