I am sure this topic is of no interest to you. But I am just so happy about it! Not about the student loan itself, but that I have been able to pay almost all of it back.
If you had asked me few years back, that when would I be in this situation. I would have answered that probably in ten or twenty years. Well okey, in twenty years I would have paid the student loan already. I am not that dumb with money.
I did pay back small amounts when ever I could. This is also something that they suggested from the bank. Just pay small amount once in a while and soon you notice that there is not that much left.
This year, due to my situation, I have been able to payback more. As I don't have to pay rent, I have put the equivalent amount towards my loan. Now I am happy to say I only have 2500 euros left :) I have paid over 2/3 back. Considering how my mother spends her money (I was raised by her), I would say that it is a small miracle.
Knowing me, I would also have to say that it actually is not that big of a miracle. Since I could really think for myself (around 10 years old) I have started not to follow my mothers example. This has led for me to be very independet. I admit I have done some stupid things, but my credit is good (I only have one credit card). :)
With my credit card and student loan I once had dept of almost 10 000 euros (9 000+ student loan and 1 000 credit card). Since then I have come a long way. I have to say, that I am exited that I will be finally able to say that I have savings.
Oh, and if you are wondering why I decided to pay the loan instead of saving the money, the reason is simple. When the loan is gone, I will save 400 euros per year compared if I would pay the loan in small amounts back. When there is not that much income, I'd rather have small bills.
This is a blog. About me. If you need more description, read the blog.
Monday, August 31, 2009
Summer vacation
My summer vacation starts in 16 days. :) Just can't wait for the first flight. I want to TRAVEL!!
First I will be staying few days in Brighton with my friend :) This is possible because I will fly with Easyjet to Finland. So it takes just 30 minutes to get to the airport and leaves me more time to spend with my friend.
I will fly from Hki to Kemi as it is as expensive as the train, but much faster (1,5 hours compared to 8 hours...). Few days with my sister and niece before I go to the yearly round of relatives and friends.
From Kemi I will travel by train to PMK, where I will stay for few days helping granny around the house. Also there will be b-day celebrations before continueing to my other niece, and nephew. I will be spending more time in the surroundings of Lahti as my friend just moved close by.
I will be going to LPR probably after staying with my brother. If I don't have time at that time, then I will go there after spending a weekend with my friend. I will be doing short trips to LPR and TRE and then returning to my friends place or then depending on when I will go to TRE I might continue to Tornio from there. :)
I Have the almost everything planned. I think it is good idea to have some space in plans so I can do stuff in moments notice. :)
When I return here, I will stay a night at my friends place in Brigthon.
First I will be staying few days in Brighton with my friend :) This is possible because I will fly with Easyjet to Finland. So it takes just 30 minutes to get to the airport and leaves me more time to spend with my friend.
I will fly from Hki to Kemi as it is as expensive as the train, but much faster (1,5 hours compared to 8 hours...). Few days with my sister and niece before I go to the yearly round of relatives and friends.
From Kemi I will travel by train to PMK, where I will stay for few days helping granny around the house. Also there will be b-day celebrations before continueing to my other niece, and nephew. I will be spending more time in the surroundings of Lahti as my friend just moved close by.
I will be going to LPR probably after staying with my brother. If I don't have time at that time, then I will go there after spending a weekend with my friend. I will be doing short trips to LPR and TRE and then returning to my friends place or then depending on when I will go to TRE I might continue to Tornio from there. :)
I Have the almost everything planned. I think it is good idea to have some space in plans so I can do stuff in moments notice. :)
When I return here, I will stay a night at my friends place in Brigthon.
Friday, August 28, 2009
Wanting something
What I want,
is not what I get.
So from now on;
What I get,
is what I want.
is not what I get.
So from now on;
What I get,
is what I want.
Tunnisteet:
poem
Thursday, August 27, 2009
Hurricane season part 3
I have to admit that I am a bit dissapointed with number five aka Danny (the tropical storm). He is following the same path as his big brother Bill (the hurricane). So most of the storms are over the water and coming to Canada (and if any power left) to North Europe.
Of course I am glad that it is a slow season (just have to mention that before y'all think I am nuts or something). It is just something to do here, when trying to follow if there is a storm and where would it go.
Well I'll keep you posted on the storms whether you like it or (probably) not!
Of course I am glad that it is a slow season (just have to mention that before y'all think I am nuts or something). It is just something to do here, when trying to follow if there is a storm and where would it go.
Well I'll keep you posted on the storms whether you like it or (probably) not!
Tunnisteet:
hurricane
Thursday, August 20, 2009
Today
I went to renew my visa for the next 26 days before I go visit Finland. Today is also my B-day (as many of you know, because you have been reading this blog from the start).
I have no plans what so ever for today. Just do what I normally do. So just continue like it would be anyother day. This is because I haven't celebrated my b-day for years.
I will probably do something on my 30th, when it comes along. But before that nothing.
I have no plans what so ever for today. Just do what I normally do. So just continue like it would be anyother day. This is because I haven't celebrated my b-day for years.
I will probably do something on my 30th, when it comes along. But before that nothing.
Tunnisteet:
b-day
Tuesday, August 18, 2009
Hurricane season 2
Well the start has been really slow. There is hurricane Bill still alive at the moment, but it is headed up north. Well I would have to say that it is a good thing that it is not goming here or anywhere near land. But still can't wait for the season really to start. My hopes are on the number five ;) When ever it appears.
Tunnisteet:
hurricane
Monday, August 17, 2009
I'm on fire ;) (workstuff)
I have done (replied or unsubscribed) over 200 emails. Almost 250 emails today and still am going to continue! Yay me!
I was surprised that I only few times wanted to through my laptop out of the window. And I mean really, really, really... REALLY wanted to through my laptop. I just wonder what kicks do some people get when they cannot behave on email. I mean if you see person face to face you don't start yelling or swearing to them.
Now it seems that most of the email users want information now and not later. (Well if they want support, why don't they contact support...) You won't believe what kind of shit comes through sometimes. Usually all I need to do is copy paste information from FAQ (usually they say that information was not found in FAQ or if it was, then it was not the right information). The best part is that when they receive the same information from me it is the right information...
And about those 250 emails... most of them were unsubscribe emails. You might wonder why we are doing it manually. Well not all are done manually, only the marketing. This is because people answer to the emails even though we would give them link where to unsubscribe. They ask questions, even though we say the email address is inactive. Then when I receive my first email from the customers, they say that no-one is answering to them (hey, if it is said email is inactive it means that it is inactive...) and that they are lucky to find someone.
In our frontpage is link for 24/7 chat and link to our support system. Not hard to find if you go to our page (as almost all say they have done...) and look at it!
I normally don't put any work stuff to this blog... ( well you haven't read everything that I have written here, and if you have: I can't remember everything I have written here ;) ) So this is a special occation. Promise not to do this very often.
I was surprised that I only few times wanted to through my laptop out of the window. And I mean really, really, really... REALLY wanted to through my laptop. I just wonder what kicks do some people get when they cannot behave on email. I mean if you see person face to face you don't start yelling or swearing to them.
Now it seems that most of the email users want information now and not later. (Well if they want support, why don't they contact support...) You won't believe what kind of shit comes through sometimes. Usually all I need to do is copy paste information from FAQ (usually they say that information was not found in FAQ or if it was, then it was not the right information). The best part is that when they receive the same information from me it is the right information...
And about those 250 emails... most of them were unsubscribe emails. You might wonder why we are doing it manually. Well not all are done manually, only the marketing. This is because people answer to the emails even though we would give them link where to unsubscribe. They ask questions, even though we say the email address is inactive. Then when I receive my first email from the customers, they say that no-one is answering to them (hey, if it is said email is inactive it means that it is inactive...) and that they are lucky to find someone.
In our frontpage is link for 24/7 chat and link to our support system. Not hard to find if you go to our page (as almost all say they have done...) and look at it!
I normally don't put any work stuff to this blog... ( well you haven't read everything that I have written here, and if you have: I can't remember everything I have written here ;) ) So this is a special occation. Promise not to do this very often.
Tunnisteet:
work
Getting tired
It's been a long time since a real vacation, that I am starting to loose my mind. Last time when I had summer vacation, I did in two parts (my mistake). The reason was, that all my work would be waiting for me to come back and it would have been too long to let the work just hang there. So I had first two weeks in the summer and the second two weeks... not sure when.
This year I am going to keep the whole 5 weeks intact. :) Luckily I have a replacement me, for that time period. I will be away from computer for a long time (well not that long... just when the places where I am visiting do not have internet connection). So far I have been able to plan most of my stay. Still not sure when I will be in Lappeenranta and Tampere. I have few options open.
So at the moment, all the small things are getting on my nervs (hermot). I know why, but not going to comment on that yet, later I promise. So now to fight, against the feeling of being tired all the time, I use my plans. I am counting the days when I will be coming to Finland, where will I be and what will I do. :) Just what I have always done.
Now I have to get back to work... Just needed a pause from it. Someone had replied to one of our email that they wanted to f***k my wife (sensored it myself). I didn't have the hart to say that I have no wife (me being a woman and all), so I just unsubscribed him.
This year I am going to keep the whole 5 weeks intact. :) Luckily I have a replacement me, for that time period. I will be away from computer for a long time (well not that long... just when the places where I am visiting do not have internet connection). So far I have been able to plan most of my stay. Still not sure when I will be in Lappeenranta and Tampere. I have few options open.
So at the moment, all the small things are getting on my nervs (hermot). I know why, but not going to comment on that yet, later I promise. So now to fight, against the feeling of being tired all the time, I use my plans. I am counting the days when I will be coming to Finland, where will I be and what will I do. :) Just what I have always done.
Now I have to get back to work... Just needed a pause from it. Someone had replied to one of our email that they wanted to f***k my wife (sensored it myself). I didn't have the hart to say that I have no wife (me being a woman and all), so I just unsubscribed him.
Tunnisteet:
tired
Sunday, August 16, 2009
Hurricane season
It has been a slow start. We had number one (tropical depression) a month back or so. Now few days ago we got second, and third and I think it was yesterday that they announced fourth. Now today I can see that they have given names to all of the three. Ana, Bill and Claudette.
Ana and Claudette are not supposedly going to change to hurricanes. Bill is most likely to become one, but we just will have to wait and see. Claudette is just a day away from Florida, so not anywhere near where I am. Bill is following Ana to the middle of Caribbean.
So they are not likely to come over here. There is a small chance, and I mean very small chance. Having said that, I do believe that we are going to feel some strong winds when it passes. Nothing too strong, just stronger than we are used to. :)
If you want to check them out, just click Hurricane season.
edit: Bill has become category one hurricane. Also it seems that its path is coming a bit towards caribbean and than go up north. So not coming anywhere near us.
Ana and Claudette are not supposedly going to change to hurricanes. Bill is most likely to become one, but we just will have to wait and see. Claudette is just a day away from Florida, so not anywhere near where I am. Bill is following Ana to the middle of Caribbean.
So they are not likely to come over here. There is a small chance, and I mean very small chance. Having said that, I do believe that we are going to feel some strong winds when it passes. Nothing too strong, just stronger than we are used to. :)
If you want to check them out, just click Hurricane season.
edit: Bill has become category one hurricane. Also it seems that its path is coming a bit towards caribbean and than go up north. So not coming anywhere near us.
Tunnisteet:
hurricane
Soundtrack in a movie
Tonight we are watching movie the bone collector. I have seen it before few years back. I did remember that sometimes it was hard to hear what people were saying, but with the finnish translation (subtitles) it didn't matter that much.
Now watching without the subtitles we have to use the remote control all the time. First we put the volume higher and higher to hear someting, and then we have to quickly lower it so that our ear drums wouldn't hurt.
So yeah, nice too look at a movie when one always have to be ready to use the remote...
Now watching without the subtitles we have to use the remote control all the time. First we put the volume higher and higher to hear someting, and then we have to quickly lower it so that our ear drums wouldn't hurt.
So yeah, nice too look at a movie when one always have to be ready to use the remote...
Tunnisteet:
movie,
soundtrack
Saturday, August 15, 2009
We got a visitor today!
Sorry I wasn't able to take picture of it. But today a bird flew in :) I was trying to get it to go to our door, as it tried to go through our windows. Well the windows were open, but there are the net's in all of them. Luckily there was a small hole in one, and the bird accidentally went through it. :D
Friday, August 07, 2009
What I want to do next summer
Next summer I wish I will be able to bbq every (or at least twice a month) weekend. :)
That is what is on my mind at the moment. The finnish summer is short, so I probably won't be able to enjoy bbq more then four times... (let me think now... with my granny (one), with my friends (two and three) and with my brothers family and sisters family (four and five)) Ah so at least five times :)
That is what is on my mind at the moment. The finnish summer is short, so I probably won't be able to enjoy bbq more then four times... (let me think now... with my granny (one), with my friends (two and three) and with my brothers family and sisters family (four and five)) Ah so at least five times :)
Tunnisteet:
plans
Sunday, August 02, 2009
Leapers Hill
This is what the Leapers Hill looks like. Oh well the ocean view from there I mean...
Tunnisteet:
leapers
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