Skip to main content

I want to be debt-free and pay my student loan in a year

I want to be debt-free. I am a taker for wealth. Having no money, plus debt is the worst social contract you can take with society, it forces you into slavery.

To complete a Mdes in Design for Innovation and Sustainability at Cranfield University, I took a loan with a French bank for 12K to repay in 5 years.

The month I completed the course, I started to repay the loan. I felt I made a pact with the devil. I sold my soul for worldly pleasure and now have to repay my debt to society by prostituting my mind and body by doing meaningless tasks.

I managed to get a mentally stimulating job. I am a Customer Insight Officer at Melton Mowbray. It is probably not my dream job, however, it is a good experience. I keep dreaming about what to do next once I have cleared this debt and started accumulating capital.

In the meantime, volunteering with Transition Leicester, Footpaths Leicester and Positive Money in Leicester allows me to meet interesting people.

I just want to be happy and free. Soon, I'll be debt-free. I am giving myself a YEAR.








Comments

Popular posts from this blog

What did I learn from analysing my expenditure after a year

In the following blog post, I share the results of two analysis. The first one is an analysis of my spendings by categories after a year, the second is analysis of what I want to achieve by category. The analysis contribute to my main aim which is to achieve financial independence. I am currently trying to pay a debt - 12K for a student loan. To do the first analysis, I downloaded all the statements from my current account in an excel format. I assigned a category to each entry. What are the results? I  allocated 18% of my resources to my loan and the same amount to travel to France and have a couple of trip in the UK. I spent more money on conspicuous consumption than food. I did not have many outings that involved financial expenditure. What am I missing? I haven't got a good idea of what all the cash I have taken out was used for. A part of it must be to commute to work, then it is a mix of food shopping, outings, shopping and more outings. For the second analyy...

Scared to change - the opposite is true part 1 #relationships #opposite #truelove #fear

I fear losing relationships. For those reasons, I can be controlling, manipulating to keep them and/or I can also be deceiving and rejecting people so I do not have to go through the heartache of losing them. It makes me quite indecisive in the way I deal with others. Shall I play along or shall I not? The unfortunate thing is that I also act out of fear with parts of myself. I do not allow myself to evolve because I am scared of what will emerge, I am scared that the real me will create havoc in people lives and make it worse, I am scared of myself. So I choose deliberately to be small, insignificant, ugly, unreliable, poor, untrustworthy, lazy. I do love to be all those things. It is safer for everyone, Yet, weirdly enough, it also makes me unhappy that I am not meeting some of partners expectations. I am losing those relationships, I am closing doors to opportunities. Those who believe that I am so much more than what I chose to be. I create Havoc there. It appears that I am nev...

Emails only on Monday

My new experiment for productivity is to send emails only on the Monday to my collaborators. Today was my first day sending emails to everyone. What can I say, it was intense and at the same time so rewarding. I feel that my list of things to do for the week just reduced dramatically by just dealing with all my planned emails first. Now I can focus on reading, planning and more. The plans for the rest of the week is to read through email 1hour during the day to see if there is anything urgent.Otherwise, they'll be dealt with next week.  What about you? Have you got a productivity hack?