Not the kind of money issues that are a problem. It’s sort of a problem of having more than not enough, but not enough to have too much.
I need to decide whether I want to buy a laptop, go to the U.S. in July, get a HECS debt, or not do any of the previous.
I want to go on a trip to America soon. And by soon, I would like to say July ‘08. That would be good and bad. Good in that it’s Summer over there, it’s tourist season, and everything is ‘running’. The problem is that it’s tourist season: Everything is twice as expensive, and there are too many other tourists about. Also, the friend I’ve pestered to go with thinks that he may have commitments during July.
Which is why my next offer of January was more acceptable, but not ‘08. ‘09 instead. And to be honest, it’s probably a more sensible time to go. However, if I’m going in January, I’m going to go earlier and try and get New Years in New York. And maybe Christmas. And then the holiday begins to turn into something quite long. But, saying that, it will be cheaper that time of the year. But it will also be colder. The cold doesn’t bother me at all, but it is a factor none-the-less.
There is a third option. The friend I’ve spoken to wouldn’t want to do some of the things I want to do over there. Actually, our whole U.S. trip centres around Vegas. We are both gamblaholics and love the film Vegas Vacation. We’ve talked about going to Vegas with each other for years and years now. While I’m over there, I want to meet some friends I’ve made over MSN, see some shows, go some places that are only interesting to a history major, etc. So there is a chance that I will go over for a short time in July, and then go over for a longer time in January with my friend. But this increases expenses pretty much double.
Expenses are big on my mind at the moment because my scholarship runs out at the end of ‘08, and I have to pay for the final two years of university I have. I could HECS debt them, which I will easily be able to pay off by the first two years I’m out. The major push for me to do this is that I don’t want big, lump sums taken out of my savings each semester. It reduces the amount of income I have to invest in making more money. Thus I lose out immediately. But the HECS debt means I lose out in the long term.
If I do HECS debt, I can go on my holiday. If I decide that I don’t want to go on my holiday, or I want to go in January, then I can also afford a laptop. I want one for university and for home. The P.C. I have is quite dated, and it would be easier for me if I were to buy a laptop that would be mine, that I could take to lectures, than updating the P.C. for what I want it to do (play new computer games).
Of course, if I pay my fees up front, then I don’t do any of this.
There is another option, of course. Borrow from the parents. They have, for the most part, encouraged this option as a way to accommodate my holiday want and university costs. They seem to think that holidays are ‘good for the soul’ or something, and want me togo abroad. But I dread borrowing this amount of money from them. It won’t end well.
By the end of January coming, I want all of this resolved. So a lot of thinking for my part.
Thomas.
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