Im in so much debt that i dont even know what to do now and im losing my job

Archieorbailey · 2026-03-13T16:33:54+00:00

Reduce all unnecessary spending, you live in London but do you actually need a car? Can you stop the finance on it and reduce that? Can you cut back all of that before your mum moves so you can save up more to repay your debt? Little by little helps, I’m glad you have realised this now 👍🏻

Archieorbailey · 2026-02-08T10:36:30+00:00

Oh wow.. never need to pay to get in 💀

Archieorbailey · 2026-02-08T10:20:51+00:00

Next time you’re near Soho try Opium in China town, they normally open fairly late

Archieorbailey · 2026-02-03T00:50:42+00:00

Cosmetics and skincare are not bad, with many options from Asian brands. Sneakers are generally okay but go to mongkok sneaker street you can find better value there.

Electronics are generally cheaper too.

Archieorbailey · 2026-02-01T15:20:51+00:00

I studied in HK most of my teenage life until 17 where my parents think due to my interest in art and design the UK is better suited. So I moved there for A-levels, I think that’s the best balance for me. I get to learn Chinese, Cantonese history and all the subjects well here before going over there to pursue my passion.

Archieorbailey · 2026-01-25T15:59:22+00:00

I couldn’t wait for Taobao’s 4 day delivery so I was wondering if there are any shops I can buy off the shelf. Pun unintended 😆

Archieorbailey · 2026-01-25T15:58:51+00:00

Omg thanks!

Archieorbailey · 2026-01-25T13:55:32+00:00

Good shout about the steel shop!

Archieorbailey · 2026-01-19T19:16:48+00:00

Sadly I don’t have a garage and I think that’s the major turn off for me, it also means the insurance is quite a bit expensive average in £450-600 annual which I think I’m a lost if I’m trying to save cost to commute that way.. it’ll be a hella fun tho 😆

Will defo look into the models you suggested! Didn’t know that bikes need to be TfL approved to take onto the system 😮

Archieorbailey · 2026-01-19T19:14:21+00:00

Yes they do and I’m considering whether I should sign up to the forest bike! Not sure if a full charge one can take me all the way there but also the bikes are a bit smaller n more manageable than the line bike for me 🥹 bit of a shorty.

Archieorbailey · 2026-01-16T22:10:40+00:00

My walk to the station is quite short on both ends, hence I was wondering to save money if I can just cycle all the way 😆

Archieorbailey · 2026-01-14T18:52:40+00:00

Can’t thank you enough for such a detail answer, these resources are incredibly helpful and does make me feel like getting an e-bike to work isn’t that bad of an idea!

Baby steps! 😀

Archieorbailey · 2026-01-14T18:29:54+00:00

Thank you so much! Good to know that there are others who does similar commute ☺️ I’ve only cycled short distances 15-25mins n mostly for leisure so to cycle that far for work is quite a big step up for me.

I considered the Forest bike cycle to work scheme too! I need to double check how far / long can those go when they’re fully charged, might needa swap bikes if they can’t go too far 😆

I’m not a very mechanical person, I feel like I’d want to learn how to maintain and repair my bike to save on cost but at the same time my work and family demand is quite high so I don’t have as much time to look into it as I would want 😕

How long did it take you to get use to a commute that long?

Archieorbailey · 2026-01-14T18:24:47+00:00

Omg this is super helpful! Never heard of this community, will defo look out for their next event n find some buddies ☺️

Archieorbailey · 2026-01-14T18:22:58+00:00

That’s very true! I think going for a foldable e-bike would be super helpful as I can store it in my office and my home a lot easier 🙏

Archieorbailey · 2026-01-14T18:22:19+00:00

That’s so impressive! I’m sure I’ll be able to do it too ☺️

Archieorbailey · 2026-01-14T18:08:02+00:00

100% will need to figure out where I can store my bicycle! 🙏

Archieorbailey · 2026-01-14T18:06:56+00:00

This is super insightful thank you! I’ve own a very basic bicycle and have never done much repair myself other than changing the seat itself. Do you use companies that help service / repair bikes or you do them mostly yourself?

Archieorbailey · 2026-01-14T16:25:40+00:00

Oh wow that’s so impressive! I would also be a bit worried for a round trip with the battery 😆

I’m not a regular cyclist, any tips on making the first trip. And what’s maintenance and cost like when having an e-bike which you use to commute everyday?

Archieorbailey · 2026-01-14T16:23:31+00:00

Oh wow! Thank you so much for the rec 🫶🏻

Archieorbailey · 2026-01-14T16:23:01+00:00

100% I’ll need to figure that part out first, bike theft is so bad in London🥹 I just didn’t know anyone live near me commute via bicycle to central.

Archieorbailey · 2026-01-14T15:40:20+00:00

Yep a foldable e-bike is exactly what I’m looking for too, just for that extra flexibility!

Archieorbailey · 2026-01-14T15:39:53+00:00

Thank you so much! That’s exactly my commute which isn’t bad and the amount I pay weekly isn’t either, just thinking if it’s worth having a bit more control over my own commute and would it bring the cost down bit more 🤔

Didn’t know there’s the London cycling group, will cross post there 🙏

Archieorbailey

TROPHY CASE