[ 3 / biz / cgl / ck / diy / fa / ic / jp / lit / sci / vr / vt ] [ index / top / reports ] [ become a patron ] [ status ]

/biz/ - Business & Finance

View post   
File: 81 KB, 1200x1200, sankeymatic_1200x1200.png [View same] [iqdb] [saucenao] [google]
12507204 No.12507204 [Reply] [Original]

>monthly expenses
how shit is my life, I'm 19, IT Support apprentice ?

>> No.12507219

>driving lessons

>> No.12507224

>>12507204
Lol I get more than this on student loan

>> No.12507230

>>12507204
I don’t think there’s ever been a more ‘under 30 UK bizlet’ post
It doesn’t get much better

>> No.12507244

>>12507204
>virgin media

cancel that

>credit card

cancel that

>driving lessons

cancel that

Invest it all the savings into vanguards

>> No.12507246

>>12507204
ur a retard

>> No.12507260

>>12507244
afraid I'm not gonna cancel things I actually need into some brainless investment because you saw a couple flipping threads

>> No.12507275

>>12507204
>Driving Lessons
>To Mother
Fucking kill yourself retard.

>> No.12507285

>>12507275
still cheaper than moving out?

>> No.12507302

>>12507260
>need virgin media
no you don't
>need credit card
no you don't
>need driving lessons
no you don't

>> No.12507338

Find an IT niche you enjoy and work towards specialising in it - your salary will go up exponentially.

>> No.12507340

>>12507302
credit card I can agree, however Internet and driving lessons I do need, I'll need that for a better job in the future

>> No.12507348

>>12507338
I do like IT Support, but I'm gonna work towards networking/sys admin sort of thing, gonna go for a Microsoft cert

>> No.12507569

>>12507260
Why do you need virgin? @ that price ffs!
Credit card, what ever
Drivers licence - Unless you need a DL for your job don't bother! Also don't get a car unless its a company car or you buy cash

>> No.12507630

>>12507569
a lot of the jobs I'm looking at need a DL

>> No.12507687

>>12507204
y tf do u need 100$ a month driving lessons for more than one month

>> No.12507705

kys faggot "driving lessons" are for criminals and people with downs syndrome.

>> No.12507725

>>12507348
Hahahhaha see hi to Prakash, the smelly guy behind you when I call just for lulz

>> No.12507731

>>12507687
25 for 1 hour, once a week

>> No.12507736

>>12507705
>>12507687
>>12507302
>>12507275
Driving lessons and examinations are completely different in the UK compared to burger land.

>> No.12507740

>>12507736
kys I don't care

>> No.12507761
File: 33 KB, 567x449, 1544834186985.jpg [View same] [iqdb] [saucenao] [google]
12507761

>>12507740

>> No.12507765

>>12507705
Mutt detected!

In the first world the test is actually somewhat difficult. i took lessons even though I had been driving for 7 years....

My Burger test
Do a 3 point turn in something you could turn around a lorry in!
Take the first 4 lefts at stop signs
park in the middle of 2 spaces

'your great at driving you need to work on your parking, here is your licence!'
my mum though i failed cause it was over in less than 5 min...

>> No.12507816

>>12507204
You really need to sort out that credit card. Find a way to get a 0% balance overdraft or credit card, lend from a friend at a lower interest rate than the card.

>> No.12507824

>>12507204
Also you're in the UK so open the TSB current account that gives you 5% interest. Compound up until you hit the upper limit of £1500

>> No.12507867

Why the fuck are you giving virgin media £75 per month?

>> No.12507873

>>12507204
how the fuck do you need driving lessons anon just drive at night and teach yourself, don't be a retard and speed tho

>> No.12507958

So much amerilards in this topic. I have been to the states last month and you guys are absolutely dogshit with driving. Here in the netherlands you pay at least 1300 dollars in total for driving lessons, if you really suck at driving you will need to spend more. I hated to spend this money, but at least most people here know how to handle a vehicle. In the states i would legit not drive a motorcycle because of the amount of rednecks and soccermoms driving SUVs on the road.

>> No.12507985

>>12507958
This. Getting your driving license is regulated in almost every European country. You HAVE TO take a number of driving lessons before you're eligible for an exam.

>> No.12507986

>>12507224
same lol

>> No.12507997

>>12507958
yep this, those burgers have literally no culture at all

pro tip: mc donalds doesn't count

>> No.12508001

>>12507873
In England, are you mad, you have no idea how much our government thrives off income via fines on the road

>> No.12508018
File: 48 KB, 800x729, 8nRqoXW.jpg.png [View same] [iqdb] [saucenao] [google]
12508018

>>12507204
>75 quid to virgin media
what the actual fuck

>> No.12508036

>>12508001
Its MUCH worse in Burgerland!
The police state is full throttle over there!

>> No.12508063

>>12508036
That's where you're wrong bucko, make sure you enjoy those 1st, 2nd, 4th and 5th amendments

>> No.12508088

>>12508018
internet and a phone contract that I pay for? I don't see an issue

>> No.12508101

>>12507204
What is that kind of chart called?

>> No.12508116

>>12508063
I drove in the states for 7 years
driven here (UK) for 12 years...

I left the states with a full 12 points on my licence (speeding), got put in hand cuffs for being in a park past 10 PM, Had my car searched MULTIPLE times for drugs (I hadn't even smoked pot yet).

UK - I had 1 parking ticket, I got pulled over once as I was the last car out of the pub...i worked there. & have to say they were friendly!

My experience says your wrong...

>> No.12508118

>>12508088
Seems to be too fucking expensive

>> No.12508128

>>12508088

Most expensive virgin broadband is £50pm for 350Mb (You don't need that). You must be spending shitloads on a phone contract for some reason. Mine is £6 also from virgin

>> No.12508134

>bus pass
How do buses in UK work? I refuse to pay €5.8 per month (school discount, would be 24) and you're paying 50?

>> No.12508137

Ur 19..and a trainee wtf do u expect?

At least you are learning real world skills not some bs arts degree and getting into debt in the UK. You are taking the besr path. Just have fun these years before major responsibilities are put on you like kids and marriage. Trust me u will be laughing when your peers leave uni and still have nothing. By then you will be employable and experienced.

>> No.12508184

>>12508101
Sankey diagram. You can make one here: http://sankeymatic.com/build/

>> No.12508199

>>12508116
Your specific examples don't negate the existence of the 1st, 2nd, 4th and 5th amendments.

This shitty little island we live on is the worst.

>> No.12508228
File: 198 KB, 1300x1300, 3c6b35_6778570.png [View same] [iqdb] [saucenao] [google]
12508228

>>12507204
>uk
>car

>> No.12508238

>>12508134
Yeah, they're expensive

>> No.12508245

I feel you man, that virgin bill is way too expensive though. Igive my mum £100 as well, switch to BT its way cheaper.

>> No.12508255

You can't really live any kind of life in the UK without a car. You wanna try sitting on a city bus with nigger teenagers a few times.

>> No.12508258

>>12507765
As it should be, driving is easy it’s like walking with some rules

>> No.12508260

>>12507204
Driving lessons will only last so long.
Change money to mother to paying rent and don't worry about savings at 20.. especially such a low income.
You got food and shelter covered your doing alright bud.

>> No.12508266

>>12508245
everyone's said the same, it's been normal for me, maybe I'll bring it down from the 350 package, I just wanted good internet

>> No.12508269

>>12507958

You don't think some of us want driving a car to be a luxury?

>> No.12508277

In Greece it costs 420€ for a B2 car driving license, including 16 hours of actual lessons and tests.

How much is it in the UK that you have to put it into your monthly budget?

Also yeah Americans can't drive.
>All automatics, no control of the vehicle
>Driveways and garages at every house so they don't learn to parallel park
>Reversing is tough for them

>> No.12508289

>>12508266

350Mb is ridiculous lmao I've never found anything above 100 beneficial, if you shop around on price comparison sites/wait for a sale you can knock a tenner or so off the monthly price. Also this means your phone contract is £25 per month which is stupid, just buy a cheap phone and get a separate sim only contract

>> No.12508299

>>12508238
>>12508134

How much is the fine if they catch you without a ticket, and how frequent are the checks by security?

Again in Greece, checks are so infrequent I legitimately chose to not purchase tickets and just pay the 80€ fine once they caught me, once per year or once per two years.

I always tell them my reasoning and it's always fun to see security and other passengers get fucking buttmad for me not paying.

A rule means nothing if you can't enforce it.

>> No.12508305

>>12508277
35 for the provisional licence
25 per hour, (average until ready is around 20 hours)
23 for theory test
62 actual driving test

you'd have to pay the tests again if you fail

>> No.12508307

>>12508238
How do people check if you have the bus pass? In my country there's a chance that a faggot will take you and a couple other rule-breakers to his red van where his work partner writes you a fine, but I've been driving without a ticket for 5 months now, never been caught (even if I was caught, the fine would be 5 euro and increase later). Why can't you drive without a ticket?

>> No.12508310

>>12508199
>This shitty little island we live on is the worst.
You don't sound well travelled...

We have the 1st amendment, just as much as the mutts.
2nd Amendment, I know about the same number of people in the UK with guns as in the states, just different guns...
4th amendment is BS! the pigs will just say MUH DRUGS. Dogs can alert on command...
5th amendment is also BS! 1st off you can't plead innocent! You are either guilty or not guilty. 2nd off, are you not familiar the the insane bail system the Mutts use?

The reality is the system is it changed to a maritime jurisdiction back in the '30s...This gets complicated but we share the same legalities via treaty...

>>12508258
yea in an automatic! Driving is SO much better in the first world, people are better drivers!

>> No.12508313

>>12508299
>>12508307

How do you guys even get on the bus? In the UK the driver just won't let you on if you don't have a pass/buy a ticket

>> No.12508326

>>12508305

That's 630£? Yeah it's a lot when you add it up, but you're almost done with it.

You probably have a few weeks left before actually taking the exam, and if you're not a brainlet, there's no chance you're failing.

Keep at it and dont listen to Americans saying you don't need it. A European citizen's professional life is built around the concept of an adult having a driver's license.

>> No.12508328

>>12508299
>80€ fine
Is that a single fine? My underage friends were caught a bunch of times, they all got 5€ then 7€ or something fines, the bus pass costs 5.8€ a month. For adults I think it's 24€ a month, so I'm thinking 20-30€ fine?

>> No.12508331

>>12507204
You will never amount to much if that continues for much longer. You need to move up from it apprentice. Work towards higher it positions. Get some certificates for it training. Your expenses arent really that bad.

>> No.12508336

>>12508310
>We have the 1st amendment, just as much as the mutts
You can't seriously believe this

I may not be well travelled, yet I'm still less ignorant than you.

>> No.12508340

>>12508313
You get on the bus. The driver doesn't check for tickets, and entry is not only through the front door. We've got the big accordion buses.

In the metro, you sit and pass behind someone else scanning their ticket in the revolving door scanner thing, or jump over the rail itself.

>> No.12508343

>>12507204
>£100 savings
Unless you're putting it into stocks or some asset, it's just not worth saving £100 a month.
>£100 driving lessons
There's no need to drive in the UK, especially with your £50 bus pass. It's far too expensive at your current earnings range and you most likely won't need to go THAT far.
>£75 credit card
you're a fucking retard. congrats.
>£75 virgin media
cancel your phone line. just pay for the internet.

>> No.12508347

>>12507761
>>12508018
>>12508228
fuck off back to r*ddit

>> No.12508349

>>12508328
Yeah, single fine. I think it's 120x the price of the ticket, which is 0.50€

What country are you from?

>> No.12508356

>>12508313
Oh, that explains it. We mark our tickets inside the bus, and you only have to do that once a week/month/year, depends on the ticket, so no one even cares if you check it in the bus. There are some vans around staying at the stops, they check everyone's tickets once they get on a bus and takes them to the van and writes a fine. How long do buses stop for at the bus stops? Here, the bus takes less than a minute to stop, release the people, take new ones in and drive to the next stop.

>> No.12508361

>>12508336
We have the 1st amendment, just not as much as the mutts
Sorry forgot the NOT

I will say the laws are nearly the same, its just they get enforced in the UK...Once a case comes along showing the legality can be used a certain way it gets used that way!

>> No.12508368

>>12508343
the credit card is stuff that I've just bought on it and I paying off all at once every month, just to get my credit score up

I agree with with the virgin media thing

>> No.12508380
File: 139 KB, 1280x720, joerogan.jpg [View same] [iqdb] [saucenao] [google]
12508380

i just realized something

in the future there will be people without driver's licence... buying cars

>> No.12508389

>>12507204
Dump that ridiculous virgin money and get a giff gaff mobile.

Keep driving though, I never finished lessons when I was younger, and wish I had ploughed on, if you're in a city you'll need it later in life when you wanna escape the ignorant morans.

>> No.12508403

>>12508389
oh and at least shove the 100 in a stocks ISA to actually have a chance of earning. I paid minimum into one for years was very happy for the few grand I ended up with when I needed it.

>> No.12508407

>>12508340
>>12508356
In the UK you wait for people to get off through the front door, then you get on, show the driver your pass/buy a ticket, and then take a seat. Takes a minute or two

>> No.12508411

>>12508349
Baltics (below Sweden). A 30 min ticket costs 66 cents (33 if in school), a month ticket costs 5.8 for me, but that's with an 80% discount because school (so 24€ for adults?). If you buy a paper ticket from the driver (lasts one bus travel), it costs 1€ (50 cents if school). Don't know how much adults are fined and I doubt if the security asks for explanations.

>> No.12508434
File: 358 KB, 500x357, 1543528111241.gif [View same] [iqdb] [saucenao] [google]
12508434

>>12508368
>just to get my credit score up
Retard alert. Stop falling for the Keynesian debt meme.

>> No.12508435

>>12508407
>get off through the front door
I assume there are other doors, so what are they used for? Did you mean people get in through the front door? I know another city does a thing similar to this.

>> No.12508453

>>12508435
Nope there's usually just one door at the front, some buses used to have two but I don't think they exist in many places any more

>> No.12508457

>>12508434
How is cc a bad thing? Does it cost a lot just to use it? Cause if I remember correctly it costs up to a dollar a month, which adds up, but seems to be insignificant if that means I can eventually take out a loan if I need one

>> No.12508467

>>12508434
me getting denied anything on finance because I don't have a credit score isn't a Keynesian debt meme?

>> No.12508471

>>12508457
No don't pay any interest the 75 is just what I've spent on it and now I'm paying it off all on one, gets my score up