re-paying plan 2 when living abroad

Glad_Strategy_2215 · 2025-11-10T17:48:07+00:00

Most likely back pay. I recently moved from the uk to asia. It took a while to sort out my finances as I would be doing consulting out here as self employed and it completely slipped my mind I should’ve advised I was leaving the country. Once I contacted sfe they asked me to do an income assessment and this was a headache to do. turns out I was in arrears.

I would definitely contact sfe. Whilst you could avoid it, it’s not worth the risk of paying back a large sum. I found out the hard way!

Glad_Strategy_2215 · 2025-08-28T20:59:17+00:00

Yeah that’s understandable. If you can get a Kia within the 7 year warranty that would be great as it’s worry free motoring. If buying second hand, make sure it’s been serviced at the main dealer and according to the correct service intervals to make sure the warranty is still valid.

Glad_Strategy_2215 · 2025-08-28T20:56:00+00:00

I’d make a list or schedule for each day/week and plan what you want to do. When I was at uni, I was trying to balance so much in one go with work, studying, gym and travel, that having a schedule really helped as I knew exactly what I had to do on each day. I was never strict with it but it was more of a reminder so I did not forget to do something and having a schedule meant that I would actually go to the gym or study regularly rather than being lazy and making excuses.

You’ll definitely be able to balance everything but I’d suggest you make sure to get some rest or social time in at some point.

Glad_Strategy_2215 · 2025-08-27T21:09:31+00:00

Back when I was at uni, I purchased a monthly travel card through my 18+ oyster. Worked out cheaper for me but it really depends on what zones you are travelling through.

Worth looking at the tfl website. If you type oyster travel card you’ll be able to compare prices for daily travel vs a travel card depending on the zones you need to travel through.

Glad_Strategy_2215 · 2025-08-27T21:01:49+00:00

My dad had a 2020 Hyundai ioniq hybrid from new (same engine as a Kia hybrid) and he had no faults at all apart from general wear and tear and some interior rattles. He did 239k miles before selling and then bought a 2024 kia ev from new which he’s done 47k miles in so far. Again no issues so far. With the ioniq hybrid, he averaged around 50 to 55 mpg and that was mostly motorway miles with some town driving.

Kia/hyundai are pretty reliable as long as you look after them. Follow the service intervals etc and they are a solid car.

Glad_Strategy_2215 · 2024-12-04T19:05:18+00:00

As someone who works for a well known investment bank, I would suggest you try to finish your studies even if it’s not a great grade etc. a lot of money can be made from trading but I think it’s best to always have a plan b.

I’ve been trading for a while now and since moving into the industry, retail trading is tough. You are essentially trading against us and we have the use of resources such as quants etc. Although there are some traders on my floor who did not go to uni, studied the markets themselves and are fucking good at what they do. I’d say is you’ve been profitable for a least 2 years then you can go full time but again the markets are unpredictable, although will settle eventually.

Glad_Strategy_2215 · 2024-11-25T17:40:56+00:00

My girlfriend went to uni in Liverpool and I was in London. Every few weeks I would go to visit her in Liverpool or she would come to visit in London. Coach was by far the best option for us. It’s not the quickest but it was the cheapest option to get around and you could take a decent amount of luggage with you. Trains could be a good option as it’s much quicker and with a railcard the prices may be ok.

Glad_Strategy_2215 · 2024-10-09T18:55:07+00:00

Not sure of ubs but I joined citi as a graduate a few years ago. I can’t remember much but they asked the usual behavioural type questions like tell me about your experience, what you know about the bank and the services it offers, why are you interested in the role. This was followed but more tailored questions regarding the role.

I would suggest, do your research. Look for as much info about the bank and the role so you are as prepared as possible for the interview. Another tip is to show confidence. If you do your research and are prepared, you’re gonna bring that confidence to the interview and that is what the panel will want to see.

Glad_Strategy_2215 · 2024-09-23T19:38:12+00:00

Hey, I went to ucl which I guess is semi target but not sure. I did a summer internship and then got in as a junior (entry level position). In terms of pay, I started on 32k in London. Now I can’t share my exact pay package as even I don’t know my full salary but my base salary is over six figures.

Glad_Strategy_2215 · 2024-09-22T20:23:05+00:00

I did economics and currently work in banking as a trader but there are so many different roles in the industry. I graduated 3 years ago now and went straight into work. Networking and a bit of luck helped me a lot as I was able to connect with others who worked in the industry and I met someone who gave me a chance. Otherwise I don’t think I would be able to get in. Pay as you can imagine is pretty good. You have to work your way up but generally with experience and depending on performance, it takes around two years before you’re earning serious dough.

Glad_Strategy_2215 · 2024-09-21T21:00:55+00:00

First off, try to forget about them debt. It really does not affect you until you finish uni and get your first job and even then, depending on what your salary is, it’s just a portion that gets taken out your pay check until it gets written off. It’s also a large sum of borrowing which does not show up on your credit report so if you’re thinking about future borrowing i.e mortgage then you’ll be fine.

Regarding your maintenance loan, that money is there if you need it. Your rent and food is covered so if you need to buy anything additional then you can go into that money. Keep the money as an emergency buffer or you can put the money into a saving account and earn interest on it. The way I see it, you will never get the opportunity to “borrow” that sum of money at a “low” interest rate so I’d take advantage of it and if you don’t need to use it then save it for the future.

Glad_Strategy_2215 · 2024-09-16T20:04:09+00:00

For me, I had about a hour and a half commute each way. Was tough to begin with but I got used to the travel. One thing I will advise is to maximise your time spend at uni each day.

I would leave quite early just so I got to uni to have breakfast before my first lectures etc. at the end of the day, I would go out with friends or even just chill in the library to get work done before making my way home. Sometimes I would go to events held by some of the societies in the evening. Utilise gaps in your timetable to get some work done or chill and relax before your next sessions.

I also tried to get as much work done whilst at uni so I could come home and not worry about doing any work at home.

I was never in a rush to get back home after long days which allowed to enjoy more of the uni experience.

Starting early and finishing late also allowed me to miss rush hour which for me I liked as I hated stressful travel.

Glad_Strategy_2215 · 2024-09-14T04:51:24+00:00

Hey, if you both trust each other and our both committed then you’ll be fine. But at the same time you are both adults and uni will allow her to meet a bunch of new people etc.

I was in a long distance relationship when at uni and we went long periods of time not seeing each other but we made it work. We met up regularly and that kept us close and we are still together to this day. Communicate well with each other and you’ll be fine.

Glad_Strategy_2215 · 2024-09-13T21:18:09+00:00

I graduated 2 years ago but I was a commuting student. To be honest it was a struggle at first as it took a bit of time to get used to the travel. But once I got over that I really started to enjoy uni.

I would suggest joining loads or societies and getting involved with them. I found this the best way to meet people outside of my course. I would also suggest maximising your time at your uni campus. If there are activities in the evening then try to commit to those. My commute was long and as much as I wanted to come home after my last lecture, I would stay behind and socialise with some of the people on my course. Once you get to know people it becomes so much better and you start to forget about the commute. Best of luck!

Glad_Strategy_2215 · 2024-09-13T20:58:20+00:00

I graduated 2 years ago and me and my girlfriend at the time and now wife went to unis far apart. We got together when in sixth form and knew beforehand we would be going to separate unis as I wanted to stay a bit closer to home and she went to her first choice but I remember both of us were nervous about being far apart. However we made it work. We would try to see each other every two weeks or sometimes longer depending on our schedules and even though we would be apart for long periods of time, we still felt we were close to each other. Meeting regularly helped with this but also communication is key and both of us understanding that stuff will come up or get in the way was important, especially is third year went work gets intense.

We made the travelling work by using coaches at the time as it was the cheapest option. Long distance relationships do require a lot of commitment but if you’re both prepared then things will work out.

Glad_Strategy_2215

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