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Surrounded by the Wrong People? It’s Draining More Than Your Energy.

  Let’s talk about burnout. Not just the kind where you’re tired. The kind where your soul is exhausted and your bank account is suffering, too. Because when you’re surrounded by the wrong people — The controlling ones. The narcissists. The guilt-trippers. The drama addicts — It doesn’t just mess with your mind. It drains your energy, wrecks your confidence, and slowly chips away at your ability to function, think clearly, or even believe in yourself. And that shows up in your money. You overspend to feel better. You undercharge because you don’t feel worthy. You stay stuck because you’re too burnt out to move. I know because I lived it. I stayed in a toxic relationship for far too long. I was a single parent trying to keep it all together. And I was exhausted, broke, and full of self-doubt. Here’s what helped me climb out: I stopped drinking. (Sober Not Sorry: The Price of the Bottle — on Amazon here ) I learned how to build wealth on a low income. (How to B...
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how to calculate student loan debt it’s scary!!!

Student loans sting most 20 year olds into their adult life and beyond reducing the possibility of buying a house and living securely. Don’t get me wrong though, if you can get a student loan that generates a job and income of more than the loan in a few years you can pay it off nice and easily but if your on a low income with this amount of debt it can be a massive burden. 

First see if there are any grants (free non repayment loans) and internships (earn while you learn) 

Here’s an example schools don’t teach you! 

Student loan £60k 

Interest 2%

Loan term 20 years 

Repayment every year = £60k + 2% = £61,200

Repayment over 20 years £60k plus £2,100 x 20 = £42,000 + £60k = £82k total repayment divided  into 20 years is 

Total capital & interest repayment is £4,100 per year x 20 years is £82k 

That’s £341.66 per month  for 20 years 

If you can pay lump sums off asap this will reduce the interest liability and save you £2,100 interest a year accumulative. 

Make the long term calculations, not just the short term 

Good luck 

V x  

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