5552 replies to this topic

[Liberty]

No worries. Sounds like a good plan. What are you thinking of getting?

Consolidating your debts isn't something that younger people like you and I often think about. I know a few people that think "yeah I'll do it next month", then that turns into many months, even years. I've got a debt as well when I bought my iMac, but it's on one of those two year interest free things. They try and screw you over by saying that you only need to pay $30 a month for example, but when you divide the total cost by 24 months, it's a little more then that. I pay that little bit more and sometimes extra when I can, so by the time the interest free period is up, I am free.

/endinsightintomycomputerfinance

[B4TT]

It's already after six!!!!

So another hour till you should be getting up!

[Liberty]

New PlayStation is being announced today... In the next hour or so.

[Shaz]

No worries. Sounds like a good plan. What are you thinking of getting?

Consolidating your debts isn't something that younger people like you and I often think about. I know a few people that think "yeah I'll do it next month", then that turns into many months, even years. I've got a debt as well when I bought my iMac, but it's on one of those two year interest free things. They try and screw you over by saying that you only need to pay $30 a month for example, but when you divide the total cost by 24 months, it's a little more then that. I pay that little bit more and sometimes extra when I can, so by the time the interest free period is up, I am free.

/endinsightintomycomputerfinance

Those interest free things are pretty sweet. So long as you pay them off before the promo thing happens. You're right though Jerry, making the minimum repayments only will get you into a whole lot of strife, and will NOT pay it off before the end.

[Adam]

So another hour till you should be getting up!

Or close to the time I'm starting work!!!

[mark300]

No worries. Sounds like a good plan. What are you thinking of getting?

Consolidating your debts isn't something that younger people like you and I often think about. I know a few people that think "yeah I'll do it next month", then that turns into many months, even years. I've got a debt as well when I bought my iMac, but it's on one of those two year interest free things. They try and screw you over by saying that you only need to pay $30 a month for example, but when you divide the total cost by 24 months, it's a little more then that. I pay that little bit more and sometimes extra when I can, so by the time the interest free period is up, I am free.

/endinsightintomycomputerfinance

im keeping what im getting under wraps at the moment, because its a very big If as to whether its going to happen or not. i will say though that the plan is to stay in the Subaru Family. only Cam on here knows what i am thinking of getting (No telling cam!!!)

i keep looking at a few mates of mine, earn less than i do, and are paying off bigger car loans than i am, and seeing them living week to week and struggling. decided i dont want to be like that and realised i can be in a better position financially than what i am now with a few sacrifices such as the car.

[Shaz]

New PlayStation is being announced today... In the next hour or so.

Yep, will be watching for sure. And preordering asap.

[Adam]

im keeping what im getting under wraps at the moment, because its a very big If as to whether its going to happen or not. i will say though that the plan is to stay in the Subaru Family. only Cam on here knows what i am thinking of getting (No telling cam!!!)

i keep looking at a few mates of mine, earn less than i do, and are paying off bigger car loans than i am, and seeing them living week to week and struggling. decided i dont want to be like that and realised i can be in a better position financially than what i am now with a few sacrifices such as the car.

But my car isn't 100% for sale

[Shaz]

HNNNGGGHH DeTomaso Mangusta

[mark300]

But my car isn't 100% for sale

yours is option B Adam theres still an option A

[Liberty]

Garry!*

That's where they make their money anyway. If people can't keep up to date with these sorta things they shouldn't use it. But they are a very convenient thing to have. I'm part of two of them; Everyday Money (Woolworths) and GE CreditLine (aka GE Money).

I need more money. I would like a new job. Being on a traineeship wage (although very good compared to other traineeships/apprenticeships) at my age is disgusting.

No worries Mark. Understood. And that's a very good thing to do. I've got a mixture of mates, those with amazing higher paying jobs, already have a house, etc, then I have the 'in betweeners' which is where I think I am, then you have the people that live week to week, and like you have described, are struggling. I used to struggle in my previous job; absolutely hated it. With my current job I am at least comfortable, but still not where I would like to be.

[Adam]

I need more money. I would like a new job. Being on a traineeship wage (although very good compared to other traineeships/apprenticeships) at my age is disgusting.

I managed.... And now I own a house.

yours is option B Adam theres still an option A

The offer would have to be something I can't refuse, Mark

[Liberty]

How old are you 'dam? I could still go for a house in the near future, but it'd require a lot of sacrifice. I can't manage to save anywhere near as much as I'd like to either.

[mark300]

I managed.... And now I own a house.



The offer would have to be something I can't refuse, Mark

the plan is after im done travelling over the next few years to buy a house. plenty of places i want to go see first around the world though.

we will see adam haha. depends on this other car im looking at first

[Liberty]

the plan is after im done travelling over the next few years to buy a house. plenty of places i want to go see first around the world though.

Kind of like my plan too. I wanna travel the world with my girlfriend before settling down and getting into things like that otherwise I feel my life won't be complete. Ha ha. This is probably just my young age talking but I seem to always want more then I have, money and job wise. Ambitious? Greedy? I don't know what you could call it but yeah.

[B4TT]

Larry, Nothing wrong with always wanting more money and a better job, that is the drive that will help you be successful, people who sit around happy with what they are doing generally live a mediocre existence and don't accomplish too much.

[Adam]

Larry, Nothing wrong with always wanting more money and a better job, that is the drive that will help you be successful, people who sit around happy with what they are doing generally live a mediocre existence and don't accomplish too much.

EADC!

[B4TT]

EADC!

?

[Adam]

we will see adam haha. depends on this other car im looking at first

All good don't really wanna sell anyway, that's why it would have to be a good offer!

?

!

[Liberty]

Thanks man, I thought the same thing and my girlfriend said the same. It's just that I don't have a university degree or anything of the like. Highest document that I've got academically is my HSC. I've got an Architectural Technology course that I've only half completed, and am about midway through my current traineeship.

Sucks.