Will college loans hinder me

[PlayHer Man]

eventhough I am working on my long-term career goals, I don't want to put my love life/sex life on hold

Its all about priorities in the end dude.

What is your top priority in life? Do you want to be the best man you can possibly be and get all the wisdom, status, wealth and strength that comes with it.. OR do you want to have a girlfriend TODAY?

What's more important? Your entire life or having a girlfriend TODAY?

 

[JaegerPilot217]

Its all about priorities in the end dude.

What is your top priority in life? Do you want to be the best man you can possibly be and get all the wisdom, status, wealth and strength that comes with it.. OR do you want to have a girlfriend TODAY?

What's more important? Your entire life or having a girlfriend TODAY?

Having a girlfriend today, but to be honest just casual, not a serious one in terms of settling down, obviously for sex

 

[Epimanes]

Ha... Both my wife and I combine our incomes and created a budget that put us on track to savings goals and debt payments. Having some cash stash in the bank is a great idea. I supported my wife with a construction job while she went to college to become a dental assistant. Only had to pay like 4k in tuition feees etc while my pay did the bills. We lived on bulk macaroni noodles and used different flavoured soups to make it different once in a while to keep our food budget down. Bought a beater shyt box car that we would throw away if a repair cost us more than what we paid for it. (500bux actually haha) once she got out of college and became a dental assistant we moved to a bigger city and I landed this building manager job because of my handy man abilities to fix ****. We both make about 25bux an hour and put away aprox 1k per month in the canadian tax free savings. Our goals are to fill it annually to its cap. We are succeeding that and since our rent is so cheap (4bdrm home with 3 lvls for 900 a month all utilities included + internet and cable too) we pretend to have a morgage and pay extra into savings so when the clock runs out on this great deal we can hopefully have a big chunk down on a home purchase.

We live credit statement to credit statement and no longer hold debt. We budget out 500 per month each for "fun" money and if we don't spend it it goes to the bank.

We don't believe in owning new cars/trucks because if you buy a car/truck for say 3k. How much gas and repairs can you put into it if you didn't buy that 25k -45k brand new vehicle? (I own a crap box 94 chevy silverado 4x4 that's mechanicaly sound but I beat on it in the bush when I hunt and don't give a crap about gas costs or scratching it.. haha)

My wife and I are practicalists you could say and we consider all the different financial avenues of every aspect of our lifestyle and how it may effect our future goals and still have fun with our kids too.

*shrugs*

So the trick is dual income with someone you trust. Pool debts and assets and help eachother work it off and get into the green. Don't be frivolous with your money all the time... Make a budget and stick to it. Find claw backs where you can on things you need. Its all in how you plan.

Epi

Edit: heck I could even link to my template excel budget sheet if anyone wants to use it.

 

[JaegerPilot217]

Its all about priorities in the end dude.

What is your top priority in life? Do you want to be the best man you can possibly be and get all the wisdom, status, wealth and strength that comes with it.. OR do you want to have a girlfriend TODAY?

What's more important? Your entire life or having a girlfriend TODAY?

After all, you say a guy should have in his mindset to pursue sex, not a relationship

 

[Jaylan]

Epimanes, could you share that link? Im settling into a new job and still finalizing my budget before my student loan repayments start in a few months. Im still getting the hang of saving and spending properly, as well as properly listing all my monthly needs or obligations.

 

[Omerta]

Im a junior and I predict I will graduate with around 30-40k in student loan debt. Am I screwed for life because my anxiety is killing me.

40k is nothing as long as the degree you are pursuing with give you ample opportunities in the future. If your taking a BA and not going to grad school then you will be a world of hurt. Supply > Demand in the BA zone and drive your value down.

I graduated last year with 17k in gov and 15k in student LOC. Both are low interest and it is not as costly to hold a balance for a while until you get yourself planted in a career.

 

[Epimanes]

Epimanes, could you share that link? Im settling into a new job and still finalizing my budget before my student loan repayments start in a few months. Im still getting the hang of saving and spending properly, as well as properly listing all my monthly needs or obligations.

I should have it ready for you by monday. This template is fantastic. Just you wait. Can easily modify it to fit any budget. Love how it calculates your income and subtracts your expenses as you fill them in.

Epi

 

[Jaylan]

Thanks bro.

"You must spread some Reputation around before giving it to Epimanes again."

 

[JaegerPilot217]

Wondering if I should lie about my age, since I am almost 26 and live with my parents, not in career job yet

 

[PlayHer Man]

After all, you say a guy should have in his mindset to pursue sex, not a relationship

Wondering if I should lie about my age, since I am almost 26 and live with my parents, not in career job yet

You don't need a girlfriend to have sex. You don't need ANYTHING to have sex.

You can easily live with your parents and say you live alone in a penthouse apartment. How the f*ck would she know? Just make sure you always f*ck at her place and never bring her to yours. Will she eventually find out you're full of sh!t? Maybe. Does it matter? NOPE. By then you've already pounded her multiple times. You can also say your parents live with YOU. As if you are taking care of them. :crackup:

While I'm not a big fan of lying to "impress women" I'm also not a big fan of talking women out of f*cking me. Why give them information that will close their legs? Makes no sense.

I say this all the time --> YOUR TERMS. You are free to tell women whatever you want to tell them. You are the boss. You make the rules.

 

[JaegerPilot217]

You don't need a girlfriend to have sex. You don't need ANYTHING to have sex.

You can easily live with your parents and say you live alone in a penthouse apartment. How the f*ck would she know? Just make sure you always f*ck at her place and never bring her to yours. Will she eventually find out you're full of sh!t? Maybe. Does it matter? NOPE. By then you've already pounded her multiple times. You can also say your parents live with YOU. As if you are taking care of them. :crackup:

While I'm not a big fan of lying to "impress women" I'm also not a big fan of talking women out of f*cking me. Why give them information that will close their legs? Makes no sense.

I say this all the time --> YOUR TERMS. You are free to tell women whatever you want to tell them. You are the boss. You make the rules.

i'm guessing your referring to one night stands right? yeah besides, i'm more than okay just renting a hotel for a night

 

[f283000]

Wondering if I should lie about my age, since I am almost 26 and live with my parents, not in career job yet

PlayHer Man already gave the right answers to this.

No need to tell a woman you live with your parents. Just tell her you rent a room in a house full of male room mates and that's it. She will never question you or even want to visit you as it will be uncomfortable for her going there.

If lying makes you feel bad instead of saying "male room mates" say "room mates" which technically it is true. The house is shared by other people but you don't have to mention its your parents so technically you ain't lying

If she ever mentions it tell her you don't feel comfortable having her over with a bunch of nosy room mates. Tell her you aren't very friendly with them or whatever make up something. Once you get to the habit of going to a hotel for sex she will get used to it. This assuming she doesn't have her own place thus you two going to a hotel so she will understand.

Of course it will mean she will either have to have her own place or you paying for hotels. With the economy the way it is now a days more likely pay for a hotel because young women as well are moving back/staying with their parents.

 

[LiveFreeX]

We live credit statement to credit statement and no longer hold debt. We budget out 500 per month each for "fun" money and if we don't spend it it goes to the bank.

You must be a fan of Gail Vaz Oxlade 'Till Debt Do Us Part' on SLICE, I used to watch that show religiously. She tries to help people (Torontonians) get their debt in order. Sometimes it works and sometimes the family flips out. I would also be interested in that excel sheet Ep, plz.

I live on my own with my wife but I would much prefer to live with my parents. They are getting older and probably wont be around much longer, will likely be going home with my wife to live with them in the next year or two. I don't see how this is a bad thing, 4 incomes under one roof... and our roof is pretty big. Not a northerner like you Ep, probably wouldn't last in a small town.

Home cooked meals every night, wife wants to learn to cook from my mom, laundry and more importantly a support base.

 

[sylvester the cat]

I was in an average paid job and decided to do a part time masters degree to better my chances in the employment field.

I had no savings as London living is so pricey and I was generally pretty rubbish with money so I took out a bank loan to cover the £10,000 cost.

As a result I found myself working extra hours and putting £50 a month aside to put towards the loan come repayment time. I quit drinking, smoking, had no internet, read a lot, home cooked everything and brought it into work etc. Within a few months I was putting £500 aside which i didn't even think was possible on the money i was earning and the cost of London living.

It was during this time I found out two things:

1) 99% of things we buy we don't need.
2) I could save money in the job I was in.

By the time the repayments were due (two years later) I had the £10,000 needed to pay it back.

I since continued to save for future investments.

The masters didn't get me a better job and I'm still in the same job.

But it was the best lesson I ever learnt. Financially speaking.

 

[Epimanes]

You must be a fan of Gail Vaz Oxlade 'Till Debt Do Us Part' on SLICE, I used to watch that show religiously. She tries to help people (Torontonians) get their debt in order. Sometimes it works and sometimes the family flips out. I would also be interested in that excel sheet Ep, plz.

I live on my own with my wife but I would much prefer to live with my parents. They are getting older and probably wont be around much longer, will likely be going home with my wife to live with them in the next year or two. I don't see how this is a bad thing, 4 incomes under one roof... and our roof is pretty big. Not a northerner like you Ep, probably wouldn't last in a small town.

Home cooked meals every night, wife wants to learn to cook from my mom, laundry and more importantly a support base.

To be honest.. My wife is an amazing cook. She's amazing with money. I let her manage it and man... We will be rdy to have a healthy down on a home in a few years np. My parents and my wifes parents are in 4 little groups that don't get along and they are all divorced with new spouses that are not blood related to either of us.. There's no "family" to go to really like that. My wife and I have a bond that seeks eachother because neither of us had anybody but eachother to rely on. Our kids brought some of the family back together but even that was not complete. So we have our core group of 4 (my wife and I and our 2 kids who wtf pwn life) and have started a stable family (or trying too) from us forward. Fvck everyone else they nvr cared anyhow.

Sorry for thread jack...

.......

 

[JaegerPilot217]

PlayHer Man already gave the right answers to this.

No need to tell a woman you live with your parents. Just tell her you rent a room in a house full of male room mates and that's it. She will never question you or even want to visit you as it will be uncomfortable for her going there.

If lying makes you feel bad instead of saying "male room mates" say "room mates" which technically it is true. The house is shared by other people but you don't have to mention its your parents so technically you ain't lying

If she ever mentions it tell her you don't feel comfortable having her over with a bunch of nosy room mates. Tell her you aren't very friendly with them or whatever make up something. Once you get to the habit of going to a hotel for sex she will get used to it. This assuming she doesn't have her own place thus you two going to a hotel so she will understand.

Of course it will mean she will either have to have her own place or you paying for hotels. With the economy the way it is now a days more likely pay for a hotel because young women as well are moving back/staying with their parents.

Yeah but unfortunately it seems a lot of girls are turned off with having a guy having to go back to their place, like the girl lives on her own but not the guy, even if it is a casual relationship, it's like what's wrong with renting a hotel for a night to those girls?

 

[backbreaker]

I was in an average paid job and decided to do a part time masters degree to better my chances in the employment field.

I had no savings as London living is so pricey and I was generally pretty rubbish with money so I took out a bank loan to cover the £10,000 cost.

As a result I found myself working extra hours and putting £50 a month aside to put towards the loan come repayment time. I quit drinking, smoking, had no internet, read a lot, home cooked everything and brought it into work etc. Within a few months I was putting £500 aside which i didn't even think was possible on the money i was earning and the cost of London living.

It was during this time I found out two things:

1) 99% of things we buy we don't need.
2) I could save money in the job I was in.

By the time the repayments were due (two years later) I had the £10,000 needed to pay it back.

I since continued to save for future investments.

The masters didn't get me a better job and I'm still in the same job.

But it was the best lesson I ever learnt. Financially speaking.

Great freaking post

 

[JaegerPilot217]

PlayHer Man already gave the right answers to this.

No need to tell a woman you live with your parents. Just tell her you rent a room in a house full of male room mates and that's it. She will never question you or even want to visit you as it will be uncomfortable for her going there.

If lying makes you feel bad instead of saying "male room mates" say "room mates" which technically it is true. The house is shared by other people but you don't have to mention its your parents so technically you ain't lying

If she ever mentions it tell her you don't feel comfortable having her over with a bunch of nosy room mates. Tell her you aren't very friendly with them or whatever make up something. Once you get to the habit of going to a hotel for sex she will get used to it. This assuming she doesn't have her own place thus you two going to a hotel so she will understand.

Of course it will mean she will either have to have her own place or you paying for hotels. With the economy the way it is now a days more likely pay for a hotel because young women as well are moving back/staying with their parents.

well I will need to do more approaching to see if this is really affecting me or not

 

[f283000]

Yeah but unfortunately it seems a lot of girls are turned off with having a guy having to go back to their place, like the girl lives on her own but not the guy, even if it is a casual relationship, it's like what's wrong with renting a hotel for a night to those girls?

The only reason it would be that way is if you got no game and your love making skills suck. There is definitely something wrong with you if your girl is turned off by you going to her place. It should be the total opposite she should cherish it and not want you to leave! She should want you at her place as often as possible!

One relationship I had I spent probably 90% of our time at her place and most of that time was "taking care of business"

You need to think of going to a girl's place as giving her a memorable time each and every time. Girls love sex and they love men that give them great sex even more. That was and is my mindset.

 

[JaegerPilot217]

The only reason it would be that way is if you got no game and your love making skills suck. There is definitely something wrong with you if your girl is turned off by you going to her place. It should be the total opposite she should cherish it and not want you to leave! She should want you at her place as often as possible!

One relationship I had I spent probably 90% of our time at her place and most of that time was "taking care of business"

You need to think of going to a girl's place as giving her a memorable time each and every time. Girls love sex and they love men that give them great sex even more. That was and is my mindset.

one girl said this on a site:

"On a casual dating level, most American women in their early to mid twenties who don't have religious values that preclude them from having sex are going to expect it at some point. So even if you're not looking for something serious at this point in life, the fact that you live with your parents means that she will feel there is no privacy in your home. No one wants to be in their 20s and still sneaking around like a teenager just because their man doesn't have his own place. In the meantime, your best bet would be to date women in similar positions as yourself - still finding their feet but hopefully, upwardly mobile.

I focused on the guy because it is a guy asking the question. Of course the woman should also have her own place and not be living at home with her parents - especially if she wants an equal relationship with a mature guy with his own apartment. If only the woman has her own place, she is going to eventually get tired of the fact that they always have to go back to her home because they can't go to his parents' house if they want privacy.

As I said, the woman will get sick of always going to her place because they can't go to his. In general, women do not want to feel like they are leading an adult life while their partner is still living with his parents like a teenager. Of course, there are exceptions to the rule but this is usually the case. I don't know any women who would appreciate such a relationship or situation. If they are already out earning money and paying rent, they will expect the same from their partner.

Sure, a guy may not care but women usually do. It all comes down to what qualities men and women in their 20s are usually looking for in a partner. The women typically want an independent, self-sufficient, ambitious, and mature guy, while the men may care more about other qualities like physical attractiveness, common interests, how much fun he has with the woman, etc., and care less about how mature and self-sufficient the woman is. That's just how it often is in reality"