>£60,000 student loan debt + inflation adjusted interest
>Get an entry level database monkey job at a local college paying £13,500 pa (per annum) after taxes
>rent £950 a month: £11,400 pa
>phone bill: £180 pa
>internet bill: £250 pa
>electricity and utility bills: £1560 pa
>food bill: £1560 pa
>Net income: (-£195) per month which I have to continuously roll over using bank overdrafts and pay day loans
I really wish I could cut my rent bill but its the price I'm paying to avoid getting shanked on the street and living next to drug dealers.
For food bills - I'm spending about £30 a week on groceries, that equates to about £4.2 a day. My diet consists mainly of carbs, pot noodles and canned food. But I mostly just eat at the office where occasionally theres free food leftover from student events.
Current overdraft and pay day loan debts are £510 and increasing because I can never afford to pay back the interest every month.
Any thoughts on how I can save more money /biz/?
>>2233647
Hold tight and vote for conservatives.
They will lower the taxes on the rich
so the wealth can trickle down onto you.
Get a better paying job. Move home.
you could pay your own house with 950£/month
or
move to smaller apartment
>>2233647
>£13,500 pa
Jesus, where do you live?
>>2233647
Dang I was told nobody in Europe/UK has high student loans. That is about where I am at. I have no advice but holy shit maybe they have some form of income based repayment?
>>2233713
He doesn't earn enough for it to be deducted yet. 20k I think?
>>2233647
I make 200$ a month man, don't bitch about it
>>2233691
for example i pay under 500€/month to live near the center of town. 228e for the loan and interest 70e, and 197/ for upkeep of apartment,water, internet and landmortgage for owning the land. its mine in fifteen years (130 000e)
>>2233647
60,000 in the hole
>Believing you can afford to not get shanked
You dumb dumb dumb dumb dumb dumb dumb dumb nigger,
Cut everything, get a better job, lest you pay off debt for the rest of your shitty misplanned life
>>2233662
Lol voting is pointless. Politicians never do anything.
>>2233680
>>2233691
been looking around for higher paying jobs but it always involves moving an extra 25 miles or paying extra for travel / rent
>>2233731
I earn £15,000, but after taxes it comes down £13,500. £1500 per year effectively goes to taxes and national insurance....
>>2233699
Take a wild guess.
>>2233767
Luckily enough, I don't have to pay back my student loans until I start earning above £20k. But I strongly suspect this could change in the near future and I'll be forced to pay it back regardless if I have a job or not.
Damn OP I'm just gonna greentext for comparison
>fuck uni I don't want that debt
>get a job as a desk monkey
>£16000 p.a
>parents force me to move out
>pay rise to 21K
>rent costs me £900 a month including bills
>net 1450
>200 food
>200 ciggies
>rest goes on nights out and drugs
>not surprisingly rack up various debts equating to about £1000
>always borrowing money off parents
>job becomes so stressful and just generally awful
>quit with 2 months notice
>don't even wanna wagecuck any more
>super depressed
>last month invest £200 straight out of my paycheck
>survive the month but rack up further debt
>bitvestment total now £500
>cash out, for once I'm out of my overdraft before I get paid
>get paid, spend £200 in a day
>put another £250 into crypto
>pray it pays off
>finish work in 2 weeks
>still haven't even looked for a new job
So the plan is, make enough in crypto to pay remaining debt and start savings, get another wagecuck job and invest more until I can afford to daytrade for a living
>take some time off doing that cause can
It's a real abstract kind of feel, crypto is the first thing that's gone right for me in a long time
I'm only 21 I just wanted to be NEET for a few more years
>>2233647
You need to suck more dick to earn more. Improve on your deepthroating skills.
> make 45k a year waiting tables
> Live at home
> 2014 mustang is only bill
>killme.jpeg
>>2234549
>will make that much money after graduating from university
>>2234839
>19
>said fuck college
> getting a quadplex next year for investments.
2017 still in college wut?