naddan28 Posted January 8, 2007 Report Share Posted January 8, 2007 The joys of being a student means the start of a new uni term is greeted by a nice £1300 loan and grant. Now having only recent got into shooting and starting with an air rifle, however am incredibly tempted to buy a 12g. Its not right, the temptation that the student loan provides is unreal! lol. I reckon i wont do for a good month at least, however the girlfriend is not to impressed with the idea of me getting a shotgun, the air rifle was meant to be a no no, but she didnt really have a leg to stand on when i returned home from uni (after a slight detour to the gunshop & clay grounds) with a .22 lightning Quote Link to comment Share on other sites More sharing options...
Graham M Posted January 8, 2007 Report Share Posted January 8, 2007 It’s your money lad, but if I were you I would concentrate on getting everything I need to pass all my exams…….then you will be able to get a good job and buy a really nice shotgun. G.M. Quote Link to comment Share on other sites More sharing options...
fiiish1987 Posted January 8, 2007 Report Share Posted January 8, 2007 It's your funeral! She'll be realy p*!$$£& if you get it! Quote Link to comment Share on other sites More sharing options...
henry d Posted January 8, 2007 Report Share Posted January 8, 2007 Don`t be so daft,first it`s the shotty then it`s 1000 carts(@ £100+) etc etc. Get the work done then buy as many toys as possible with the rewards........it worked for me Quote Link to comment Share on other sites More sharing options...
JohnGalway Posted January 8, 2007 Report Share Posted January 8, 2007 Spend the money on your education. Shooting is very tempting but it's also very expensive, you'll be up you know what creek without a paddle if you spend your money on a 12g. Like has been said focus on getting your preferred and I hope well paying job first, then prioritise, shooting won't come all that high on lifes list! Quote Link to comment Share on other sites More sharing options...
webber Posted January 8, 2007 Report Share Posted January 8, 2007 I agree with GM. Is it not possible for you to get a part time job to pay for the shot gun, cartridges etc. webber Quote Link to comment Share on other sites More sharing options...
SNAKEBITE Posted January 8, 2007 Report Share Posted January 8, 2007 How about getting a proper job straight away? Then you can buy what you like I think there are too many people with degrees, no one wants to learn a trade anymore. Pretty soon you will have to have a degree to apply for a paper round. Quote Link to comment Share on other sites More sharing options...
SPARKIE Posted January 8, 2007 Report Share Posted January 8, 2007 I agree with GM. Is it not possible for you to get a part time job to pay for the shot gun, cartridges etc. webber students dont get jobs my missus sister is 28 and still at home goin to uni hasnt got 2 pennies to rub together shes so poor she has to drive a mini Quote Link to comment Share on other sites More sharing options...
SNAKEBITE Posted January 8, 2007 Report Share Posted January 8, 2007 But Sparkie do you mean that the extra education recieved at such a high level has been of no use to her? But surely being so qualified now she must have hundreds of well paid jobs being offered to her everyday! What can be wrong? Quote Link to comment Share on other sites More sharing options...
Mungler Posted January 8, 2007 Report Share Posted January 8, 2007 What degree are you doing? If it's a social science then take the student loan down to the casino and enjoy the 3 year holiday the degree will provide. Quote Link to comment Share on other sites More sharing options...
Baldrick Posted January 8, 2007 Report Share Posted January 8, 2007 By working like a slave each holiday I managed to buy myself a decent shooting-related toy at the start of each term whilst at Uni, much to the anger of my girlfriend and the concern of my Hairy Leftie housemates. The first toy was a Crosman 1377 pistol for plinking in the yard. The arsenal expanded to the point where I had managed to procure (very cheaply) a Remington 870 pump-action, an HW80K and a Hushpower in my final three terms. Admittedly the student loan didn't make much of a contribution, that was where the menial jobs came in handy. Unless you're going to be working though, don't eat into that student loan. The sanctimonious "but you should have budgetted for XYZ instead of buying that silly gun" lecture you'l get from your parents and girlfriend will be depressing. Quote Link to comment Share on other sites More sharing options...
il cacciatore Posted January 8, 2007 Report Share Posted January 8, 2007 I would advise not spending the student loan. Its a loan, what you spend is what you need to pay back with interest Quote Link to comment Share on other sites More sharing options...
Hodmedod.one Posted January 8, 2007 Report Share Posted January 8, 2007 The girlfriend is not to impressed with the idea of me getting a shotgun, the air rifle was meant to be a no no, but she didnt really have a leg to stand on when i returned home from uni (after a slight detour to the gunshop & clay grounds) with a .22 lightning If she is already giving you the verbals about buying guns when she is only your girlfriend, think of the ear-ache you will get if you marry her. Quote Link to comment Share on other sites More sharing options...
pin Posted January 8, 2007 Report Share Posted January 8, 2007 My 2p's worth. Don't use the loan unless you need to, although its low interest and you don't have to pay it back until you are on a half decent wage it still costs you money and is a slice out of your take home on your first real job. Unless you get a completely free overdraft don't use any lending from the banks, use the loan first if you need to as it will work out a hell of a lot cheaper overall. Its all very well us sitting here professing the best thing to do, at the end of the day you will do as you please - but having a load of avoidable debt hanging round your neck isn't a good idea. Take the loan and shove it in a decent instant access savings account (you can get 4% or more if you look hard enough) and save it in case you need it. If you must get a gun, try getting something older and more tatty for now and treat yourself later. I am sure you can make do with something that shoots well but looks like **** for now, besides the gun purchase is only one part of it. You will go through carts at a rate, trust me its very addictive, and I am not sure any student can afford a clay / pigeon habit whilst studying. If you could you wouldn't be using a loan and your pops would have bought you a range rover as a present for going to uni Quote Link to comment Share on other sites More sharing options...
Ferretboy111 Posted January 8, 2007 Report Share Posted January 8, 2007 Do what i did, spend the money on student life, and some of the money on a .223 and o/u shotgun. ok spend all of it. Am thinking about getting another aswell, as mine has arrived to. Only some of it though mind you. B) Quote Link to comment Share on other sites More sharing options...
il cacciatore Posted January 8, 2007 Report Share Posted January 8, 2007 To be fair do what you feel fit. Just my advice as I spent it all on junk and have nothing to show for it but thats what happens when you give that sort of money to a teenager. Its institutionalizing debt. Wish I had either put it into a tax free ISA or not taken it at all. Paid it back cause it increases at about £10 month from interest alone. B) Quote Link to comment Share on other sites More sharing options...
Lord Geordie Posted January 8, 2007 Report Share Posted January 8, 2007 I fully agree with HD B) In the imortal word of Dexter "Study now party later" LG Quote Link to comment Share on other sites More sharing options...
Ferretboy111 Posted January 8, 2007 Report Share Posted January 8, 2007 I say, "Party now and party later", i feel that buying a gun is an investment anyway. Ive had the exactly same thing happen to me, so im biased. My g/f told me i cant buy any more guns, but well if they make rules they must expect them to be broken. B) Try and spend money that you know you can happily pay off with alittle time working. My o/u was £200, and with few weeks working and shoot days i paid it off. Alex Just dont go mad. Quote Link to comment Share on other sites More sharing options...
Graham M Posted January 8, 2007 Report Share Posted January 8, 2007 If you really must- http://forums.pigeonwatch.co.uk/forums/ind...showtopic=26784 G.M. Quote Link to comment Share on other sites More sharing options...
njc110381 Posted January 8, 2007 Report Share Posted January 8, 2007 I earn over £1k PER MONTH and shooting seriously dents my finances! Leave the shotty well alone until you graduate. Stick with £6 per 500 for air rifle pellets, and learn how to use that accurately first. You're not going to get any more kills with a shotty than you do with your air rifle until you get the fieldcraft part sorted. Don't try to run before you can walk, it wont help you Quote Link to comment Share on other sites More sharing options...
naddan28 Posted January 8, 2007 Author Report Share Posted January 8, 2007 ok thinking about it I have tried to promise myself i will leave it until the summer, when in july i take my year out and work for BAE Systems (hopefully in farnborough right next door to bisley) so i can earn some more money and also get some help/coaching at bisley. However i am going to quickly explain a few things; firstly i do have a fair amount already in a isa earning more interest that all my loan put together accrues. Secondly, I also have a part time job and work all the holidays so its not as if I am a lazy student! I also dont drink or smoke and live at home with my mum. As for degree's i am doing a degree in accountancy and finance so i am not going to put myself into a huge debt. The only reason i considered getting one is the huge temptation I have from the farmer who's land I shoot on, as he keeps being really nice offering me claying opps and maybe even a bit of live game! Which is great but makes life soooo much worse plus as someone stated previously, I also treat the gun as an investment. Oh finally, as for the whole job thing, assuming I do well in the placement (runs july 07-july 08, i get 15k basic for that year) i will get a £3k scholarship, then a fulltime job on graduation with a 2k golden handshake 25k+(bonuses, inc any previously earned pay rises) salary and within 2-3 years be on at least double that as a qualified accountant. Quote Link to comment Share on other sites More sharing options...
Cyber Posted January 8, 2007 Report Share Posted January 8, 2007 very nive^^^ My girlfriend is doing a degree in Business and not all students are skint!! she drives a brand new mini, has 2 horses aswell (her mum pays alot towards the horses mind). She does work really hard for all her money and always has a decent amount in the bank!! Shes better with money than me anyway!!!! lol Good luck in your degree Naddan, hope you get what you want Quote Link to comment Share on other sites More sharing options...
Vulcha Posted January 8, 2007 Report Share Posted January 8, 2007 Get a proper job you tax dodging bast! Quote Link to comment Share on other sites More sharing options...
deeksofdoom Posted January 8, 2007 Report Share Posted January 8, 2007 Go for it, buy the shotgun enjoy yourself while your young, you have the rest of your life to pay off the loan. Money comes and goes you'll earn it back. B) Quote Link to comment Share on other sites More sharing options...
naddan28 Posted January 8, 2007 Author Report Share Posted January 8, 2007 Get a proper job you tax dodging bast! Just incase that was aimed at me in a unfriendly manor: I spend 3 years at uni, "draining" public funding then (if BAE goes well) earn 30k- (6k of tax), assuming that after 5 years am on a healthy 75k then (40k @ 20%= 8k + 35k@ 40%= 15k) resulting in 23k tax, which is more than a lot of people earn themselves let alone pay in tax. So i prefer if you did not throw insults around. The majority of students (who do good degrees) follow the above pattern and therefore actually benefit the government in the way of taxes. Also if you apply this "tax dodging" rubbish to all students, then we would have no country due to the fact we would have dr's (no medical services, private or public) or any engineers etc to push the economy in the correct direction! On a side note, tax avision is not illegal. Tax evasion is! A famous quote on such a manor from an american judge Billings Learned Hand, "There is nothing sinister in so arranging one's affairs as to keep taxes as low as possible." B) If meant in jest, I apoligise in advance Quote Link to comment Share on other sites More sharing options...
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