Debt free by...

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Debt free by...

by SgtPeppers @ 2006-09-06 – 11:34:50

*counts on fingers*

Hey! Guess what! This little blogger will be debt free by...

*continues counting*

The time I'm very old. Very very old. Like, 28.

Today I am getting a graduate loan sorted out to bung all my horrible credit cards and overdrafts on, which is nice. I had hoped the bank had not realised I had graduated and thought I'd got away with it until I got a letter and had to go see them...

Bank Lady: So, Sgt. Peppers, you must have graduated now?
Peppers: Um, well, yes, did I not tell you?
Bank Lady: What date was that?
Peppers: July 12th *coughs* Um, yes July 12th, 2004.
Bank Lady: Oh, You're just in time to sort your graduate account then, the cut off is in two weeks.
Peppers: *quivering wreck* Please, lady, don't take my overdraft, take my family, take my home, take the cat, take my nice pen, but please, please, please, if you have any heart don't take my overdraft away!

Cue slightly baffled looks from Bank Lady while she explains that infact I'll be better off as I can get a graduate loan at a good rate, even if the fact that I have to commit to something until I am 28 is horrifying. I'm so not grown up enough for this yet.
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24 Comments to Debt free by...

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- (Visitor)
- 2006-09-06 @ 11:37:43
AAAAAH!! You made it just in time then, eh?

That'll learn ya for putting things off!!
- - SgtPeppers
  - 2006-09-06 @ 11:39:11
  Just, but I don't get to play students any more! they expect grown upness and things, it's all so very unfair. I'm sure I've been tricked somewhere along the line...
  - - (Visitor)
    - 2006-09-06 @ 11:44:18
    You big baby!!!!
    
    They've "tricked you" into being an adult now........? Heh heh
    - - SgtPeppers
      - 2006-09-06 @ 11:47:29
      Yes, tricked me, I may yet stick my fingers in my ears and say I'm not playing any more...
      - (Visitor)
        
        2006-09-06 @ 11:51:13
        
        I've just read your APR was 29%........!!! Good lordy Peppersome!!!
        
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        SgtPeppers
        
        2006-09-06 @ 11:53:24
        
        Aren't they just fiends! I think I had mug written across my forehead when I were a fresher!
        
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- Xylophone
- 2006-09-06 @ 11:46:53
APR is everything in the grown up world.

Never take out a loan or use an overdraft without checking out the APR. Failing to check the APR is like buying a pair of shoes and not asking the price first.

Have a look at www.moneysavingexpert.com
- - SgtPeppers
  - 2006-09-06 @ 11:48:45
  Xylophone, thanks for the link, the loan apr is 7, the store cards I have are 29. Um. yes. I was so young! So Naive
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- MoiGirl
- http://www.pinkjellybaby.wordpress.com
- 2006-09-06 @ 15:30:21
wait!!!! what!!! erm

you can still get a graduate loan? what??

can i?? i graduated 2 years ago and they're taking my overdraft off me

*cries*
- - SgtPeppers
  - 2006-09-06 @ 15:34:05
  Um, if you're with barclays you can, if you get a grad additions account. If not, go in ask your bank, they should help!
  x
  - - MoiGirl
    - http://www.pinkjellybaby.wordpress.com
    - 2006-09-06 @ 15:36:11
    i'm with Barclays.... what do i dooooo!?!
    - - SgtPeppers
      - 2006-09-06 @ 15:38:34
      Just go in, say you'd like to take up a graduate additions account, and transfer your debts to a graduate loan. They'll need proof of full time employment and graduation. You should be quick if you want tho, as the deadline will be soon! Hope you get it
      xx
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- Katja (Visitor)
- 2006-09-07 @ 18:20:11
28 is very old?

*cries*
- - SgtPeppers
  - 2006-09-07 @ 20:58:18
  Katja! I know you're 21, so don't you worry yet my dear! x
  - - Katja (Visitor)
    - 2006-09-07 @ 22:06:44
    Have I told you lately that I love you, Petey?
    - - SgtPeppers
      - 2006-09-07 @ 22:09:08
      Have you told me lately that you care?
      Have you told me lately anything else from a song?
      *tears up*
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- kiki2u
- http://www.kikita.blog.co.uk
- 2006-09-18 @ 12:01:23
Hi Petey
LOL, you're old with 28?? hahahaha and me saying i'm 84??? don't know if i'm enough old with 84 !
Hope you're fine and all ok with you
Hugs2u xxx
kiki
- - SgtPeppers
  - 2006-10-02 @ 16:01:42
  Thanks Kiki, I am well, hope you are too, Ms. 84!
  - - kiki2u
    - http://www.kikita.blog.co.uk
    - 2006-10-17 @ 07:10:48
    i am, thanks Petey,
    Yes, you must blog more with us,
    All the best to you always,
    hugss,
    kiki
    - - SgtPeppers
      - 2006-10-17 @ 12:17:29
      Thanks Kiki, I shall try to think of something to blog...
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- (Visitor)
- 2006-10-02 @ 15:51:46
You've ran away again, ain'tcha........? Pesky!
- - SgtPeppers
  - 2006-10-02 @ 15:58:08
  um, kind of, I did run away for a few weeks and had no internet, but now I am back and will have to blog!
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- (Visitor)
- 2006-10-17 @ 12:15:43
Oooh, what's this little "testy" blog thing....? HMM..........?!
- - SgtPeppers
  - 2006-10-17 @ 12:16:39
  Hehe, I was trying to play with that layout thingy, but I didn't get very far!
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24 Comments to Debt free by...

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