QLD Whoretown...

[BelGarion]

hey eug, how was ur initiation

[predator]

haha,... i think that is the same for a lotta folks here except me coz i cant shutup ..

hmm, beer time.. this will require drive to bottle shop crap.effort

[chaos]

yeh pred i never actually sent off an application i just talked with the loans lady and yeh

[Merli]

I just went through BelGarion's posts...

His last 500 posts have been in this thread

[NA_R33]

om off cya guys

[MJ]

hey guys, whats happening

im bored as.........got home from work now nothing to do

[chaos]

hey MJ

[predator]

ben: that is cool. .that is kinda what i did when i was shopping around for loans.. just kinda asked.

but i had a previous loan of $5k i had paid off.

[predator]

i'd drive but don't have my proper car

so that leaves

:glug:

[MJ]

loan's sark

i got my skyline from selling my silvia, plus i saved 7k in a few months

which gives me lots of $$$$$$$ for mods :(

[chaos]

yeh well i still got 3 options. talk with mum, try suncorp, wait

[MJ]

ben, loan's are shit.........the best way to do it was what i did. I just worked my absolute ass off for 6 months and i saved about 7k.

You need alot of self control though, i quit spending money on takeaway food, cut down on smokes and didnt go out wasting it on alcohol etc it really pays off

[chaos]

well theres 2 MJ i dont drink..well hardly, and i dont smoke either

[MJ]

dont forget the important part of earning a decent wage

Get a full time job and ull be right

[Eug]

hmm... fine then.

[chaos]

lol eug i said hi u must not have seen it

[MJ]

Hi eug

[predator]

i think loans are ok.. they build a credit history for buying things later in life..

i used to disapprove heavily of loans too.. but then i got one, paid that off, have paid a good chuck of the R33 off, and its been fun for me. In the end, even on a $20k loan, you pay around $4k interest. That sounds like a lot, but over time you don't really notice it. At the end, as long as the car doesn't depreciate massively, you still have a reasonable asset to sell off.

mj: and i still waste my money on fast food, alchohol, and the occassional smoke

[Eug]

hey eug, how was ur initiation

haha... cudnt get traction on stocko wheels and skid all over the place.

thnks Ben.. how'd ur loan go?

[predator]

i found i was getting dodgy at saving anyhow. Once i was really good, but then i moved out of home it was all over but a loan is something you always *have* to pay off each fortnight, no two ways about it, rather than saying "ok, i will save this $200 rather than spend it".

DEpends how good your financial management is i guess, but i know mine wavers..