I can honestly say I'm not in debt!

No credit cards, no loan, no mortgage.

Allthough I do still live with my mum and don't really have many bills to pay. I tend to save my money if I want stuff rather than getting credit. I like to think I'm pretty good a spotting nice deal as well.

I also tend to walk to work and back most days (about 2-3 miles) rather than pay for sheffields rather crappy public transport. I don't drive as is just seems like a black hole for money with fuel prices nowadays. I'm a Linux geek and therefore have no software costs. Working at Insight also means I get my 'pooter hardware at cost price +vat which is nice.

In fact, I wonder where all my money actualy goes. I think the vast majority of it goes on food, beer, and taxis when I'm too pissed to walk. Oh and some charity or other, I forget which. Maybe I ought to keep track of things one of these days...

This is where I can gleefully proclaim that I'm about to pay off my student loan before I graduate! It's sitting at a smidgen under £5k but after getting money from my Grandad (now gorne) I can pay it off and save the rest for a car once I graduate so I can hopefully get a proper job a bit further away if needed.

Good old Scotland paying my fees (for now). Bad old Student loans company for charging more interest than I thought they did.

Edit: And as for a credit card, having a job means I can spend as much as my mates but unlike them it isn't on an overdraft or credit card.

(that and I've managed to convince my mum and dad to pay rent, which is handy too!)

It was pretty shit as you can guess - I ended up having half a term off work because of it. Things are equally shit now (if not worse because I don't get to see my children very much at all) but I have the love of a good woman to help me out.

<Hopes she reads this so that I'm not in trouble later on for anything/>

5 years basic, then an extra year in the middle to do an extra degree (hopefully anatomy).

Technically two years after that are training, but I get paid for them.

To put it in a bit more perspecive around £18 000 odd of that will be totally interest free as I will be just paying my Dad back, and seeing as he doesn't even know I will be doing it if my finances do go tits up I don't have to pa it back, but I do intend to.

Although I haven't taken into account my elective which could set me back another £1000-3000.