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m197
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#7501
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#7501
(Original post by Helenia)
You've a way to go yet before you hit that stage. I don't think my account saw the black for the whole of clinical school. Got perilously close to the OD limit too. But after one or two paycheques you'll be fine.
pay cheques are 18 months away (possibly longer)

I have been paying for a flat in tooting that I have not lived in for 3 months because my placements have been all over the place! I hate George's admin!
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Philosoraptor
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#7502
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#7502
I passed Paediatrics Got results yesterday! Amusingly did better in the OSCE - which I thought I'd failed, than the written :/
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Becca-Sarah
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#7503
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#7503
(Original post by Philosoraptor)
I passed Paediatrics Got results yesterday! Amusingly did better in the OSCE - which I thought I'd failed, than the written :/
Congrats! Are these part of your finals? As in you have no further paeds content in your exams?
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lekky
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#7504
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#7504
Everything is closing down in Glasgow because of the winds! Got chucked out of library and told to go home before it gets too bad.
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lekky
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#7505
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#7505
(Original post by malaz_197)
£475 overdraft... i feel like i should be homeless and begging but I'm not :cry2:
I see your 475 and I raise you 1,400.

I don't even worry about it anymore. 0% interest, you'll clear it when you graduate, meh?
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Becca-Sarah
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#7506
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#7506
(Original post by lekky)
I see your 475 and I raise you 1,400.

I don't even worry about it anymore. 0% interest, you'll clear it when you graduate, meh?
So true. If I can graduate with a bank balance of £0.00, I will be one superhappy girl. Slightly nervous that this is the first year since I was 15 that I have no form of employment whatsoever...
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GodspeedGehenna
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#7507
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#7507
Wondering if the banks will get arsey with me trying to get an overdraft as a graduate medic. What do you guys reckon?

(And do they give you a period in which they charge you no interest after graduation to give you time to receive your first wage?)
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Philosoraptor
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#7508
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#7508
(Original post by Becca-Sarah)
Congrats! Are these part of your finals? As in you have no further paeds content in your exams?
Correctamundo!

My finals for Paediatrics (and dermatology...) are now ovah!


(They can still put basic derm/paeds into real finals, but only stuff that you'd see in GPland/F1ness)

E.g. URTI kid still legit, Kawasaki's not so much...
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Helenia
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#7509
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#7509
(Original post by GodspeedGehenna)
Wondering if the banks will get arsey with me trying to get an overdraft as a graduate medic. What do you guys reckon?

(And do they give you a period in which they charge you no interest after graduation to give you time to receive your first wage?)
It varies with each bank, but with HSBC, I had £2000 overdraft by the time I finished. When I converted to a graduate account, I kept a total of £2K limit, had one year of £1500 interest free (I got angry with them over this, as this is what they give to graduates of 3 year courses, so they were charging me more for having done a longer course), then one year of £500 interest free, and after that the whole overdraft is still available, I'd just have to pay interest on it.

As I said above though, I spent most of my last 2 years in my overdraft and came perilously close to maxing it out at times. I was permanently out of it within about 3 months of working.
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Becca-Sarah
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#7510
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#7510
(Original post by GodspeedGehenna)
Wondering if the banks will get arsey with me trying to get an overdraft as a graduate medic. What do you guys reckon?

(And do they give you a period in which they charge you no interest after graduation to give you time to receive your first wage?)
You're on an undergrad degree, technically... Could try it with a student account.

When you graduate with a student account they normally convert it to a grad account which has a period of interest free overdraft - I think I get a year of £2000 and then a further year of £1000 before interest kicks in.
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SabreT
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#7511
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#7511
How do you all stay motivated? Its only christmas break after first term and the volume of work is seriously depressing me, especially because 90% of it is soul crushingly boring.

:sigh:
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Becca-Sarah
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#7512
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#7512
(Original post by SabreT)
How do you all stay motivated? Its only christmas break after first term and the volume of work is seriously depressing me, especially because 90% of it is soul crushingly boring.

:sigh:
It gets better and less boring with time. Make sure you have some definite medicine/revision-free time over Christmas :yes:
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m197
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#7513
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#7513
(Original post by lekky)
I see your 475 and I raise you 1,400.

I don't even worry about it anymore. 0% interest, you'll clear it when you graduate, meh?
guess the more I sink in debt the more comfortable it would feel :rolleyes:
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Lantana
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#7514
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#7514
(Original post by GodspeedGehenna)
Wondering if the banks will get arsey with me trying to get an overdraft as a graduate medic. What do you guys reckon?

(And do they give you a period in which they charge you no interest after graduation to give you time to receive your first wage?)
I fluttered my eyelashes :flutter: at Natwest who I had my student account with and said that I was doing a GEM course so would still technically be a student and could we keep my account as a student one and not change to graduate. I think they had to phone someone somewhere and photocopied my UCAS letter. I don't get the free rail card anymore though :cry: My overdraft is worse (I'm even more broke) than when I was at 1st uni!
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Penguinsaysquack
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#7515
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#7515
I've started to eat away into savings :sad:

Why is everything so damn expensive :grumble:
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ThisLittlePiggy
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#7516
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#7516
(Original post by Helenia)
It varies with each bank, but with HSBC, I had £2000 overdraft by the time I finished. When I converted to a graduate account, I kept a total of £2K limit, had one year of £1500 interest free (I got angry with them over this, as this is what they give to graduates of 3 year courses, so they were charging me more for having done a longer course), then one year of £500 interest free, and after that the whole overdraft is still available, I'd just have to pay interest on it.

As I said above though, I spent most of my last 2 years in my overdraft and came perilously close to maxing it out at times. I was permanently out of it within about 3 months of working.
I've been living in mine since 2nd year and I'm looking forward to how good it'll look after a few months as an FY1.

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lekky
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#7517
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#7517
(Original post by Penguinsaysquack)
I've started to eat away into savings :sad:

Why is everything so damn expensive :grumble:
savings?? what are they?
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Vulpes
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#7518
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#7518
Why do you have 20% VAT here? :grumble:

Would have gotten all my clothes in HK if I could but they won't be warm enough
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Penguinsaysquack
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#7519
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#7519
(Original post by lekky)
savings?? what are they?
Ask me again in a few months and I won't know at this rate :no:

Going to be spending a lot of money over the next week as well with nights out planned.

Will be looking forward to the next batch of student loan... and subsequently cursing at having to pay the accommodation
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lekky
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#7520
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#7520
OH MY GOD TRAMPOLINE

http://www.youtube.com/watch?v=FRIaK...el_video_title



We have wind turbines setting on fire up here!

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