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Leonardo_Di_Carpio

By Leonardo_Di_Carpio
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electionszindabad Hero

electionszindabad

Posted
Posted

US lo single income people andharu....ki same problem man....

 

including u....

 

so nuvvu kuda pelli chesukoku....

generalize cheyatam tappu.  oka vela frustration lo aa post vesavu ante na migata post anta ignore cheyyi.. ledu mind senses anni control lo vundi aa message post chesavante na kinda message chudu... 

( of course i dont like bragging but since you have generalized , here is my story in brief)

 

came to US in 2011 for masters ( 1 year Executive business degree) for a prestigious university .. took coaching for gmat and wrote GMAT 2 times so for coaching it was 25,000 rupees and for gmat exam fee 25000 ( for both attempts) so thats 50,000 rupees.

 

used another 20,000 for shopping before reaching us. 

and another 1.5 lacks converted to travellers checks.

and 50,000 rupees for tickets. 

 

except 1.5 lacks rupees for travellers checks everything else was taken from my savings account( i had been working in india for 4 uyears until then so I could save some money)

 

so that 1.5 Lacks in negative.

 

 

then one prof from the univ promised 100% scholarship ( in state tuition fees covered and out of state tuition fee 75% covered) . so the rest 25% was about 7 lacks ( since it is a business degree it is a bit expensive)

 

so I took a loan of total 20Lacks ( intini takattu petti mari) and got the check of 7 lacks converted to us dollars to pay my fees.

 

two days after my classes started in the universty, the professor who promised me the scholar ship had changed his research and so didnt hire me . his replacement hired me but he didnt give me any scholarshipts. instead he have me an hourly job of 8 dollars for 20 hours on campus. and promised me that he would give me scholarship from the second semester. But he never did that. 

 

 

bottom line, for my tuition fees I had to pay 15 lacks in total. ( after working 20 hours in campus and remaining off campus) 

 

so far 15 lacks + 1.5 lacks in loans. 

 

business school trip to London - tickets and other expenses total 50000 rupees..

 

and add other miscellenious expenses 

 

in total I had a loan of close to 20 lacks by the end of my school.  the cool off period to repay the loan given by the bank is 1 year , so after that 1 year with interest the total loan was 24 lacks ( i didnt get job until 6 months after my graduation)

 

I got my first job, in Jan 2012. 

by the end of may 2013, I paid a total of 23, 450,000 rupees to repay my loan and get  the documents of my house back from the bank . 

 

so yes, you can repay the loan , it is practical and definitely possible. It is tough , you got to be very very miser in spending the money.

 

Good luck

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Leonardo_Di_Carpio Hero

Leonardo_Di_Carpio

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generalize cheyatam tappu. oka vela frustration lo aa post vesavu ante na migata post anta ignore cheyyi.. ledu mind senses anni control lo vundi aa message post chesavante na kinda message chudu...
( of course i dont like bragging but since you have generalized , here is my story in brief)

came to US in 2011 for masters ( 1 year Executive business degree) for a prestigious university .. took coaching for gmat and wrote GMAT 2 times so for coaching it was 25,000 rupees and for gmat exam fee 25000 ( for both attempts) so thats 50,000 rupees.

used another 20,000 for shopping before reaching us.
and another 1.5 lacks converted to travellers checks.
and 50,000 rupees for tickets.

except 1.5 lacks rupees for travellers checks everything else was taken from my savings account( i had been working in india for 4 uyears until then so I could save some money)

so that 1.5 Lacks in negative.


then one prof from the univ promised 100% scholarship ( in state tuition fees covered and out of state tuition fee 75% covered) . so the rest 25% was about 7 lacks ( since it is a business degree it is a bit expensive)

so I took a loan of total 20Lacks ( intini takattu petti mari) and got the check of 7 lacks converted to us dollars to pay my fees.

two days after my classes started in the universty, the professor who promised me the scholar ship had changed his research and so didnt hire me . his replacement hired me but he didnt give me any scholarshipts. instead he have me an hourly job of 8 dollars for 20 hours on campus. and promised me that he would give me scholarship from the second semester. But he never did that.


bottom line, for my tuition fees I had to pay 15 lacks in total. ( after working 20 hours in campus and remaining off campus)

so far 15 lacks + 1.5 lacks in loans.

business school trip to London - tickets and other expenses total 50000 rupees..

and add other miscellenious expenses

in total I had a loan of close to 20 lacks by the end of my school. the cool off period to repay the loan given by the bank is 1 year , so after that 1 year with interest the total loan was 24 lacks ( i didnt get job until 6 months after my graduation)

I got my first job, in Jan 2012.
by the end of may 2013, I paid a total of 23, 450,000 rupees to repay my loan and get the documents of my house back from the bank .

so yes, you can repay the loan , it is practical and definitely possible. It is tough , you got to be very very miser in spending the money.

Good luck



Sorry to hear from u...bro

Its been a long struggle for you...

Take care...
electionszindabad Hero

electionszindabad

Posted
Posted

sorry to hear from u...bro

Its been a long struggle for you...

Take care...

whuy sorry,,. it worked ouyt well in the end ..

 

and yes it was a struggle and not something i didnt anticipate,, i was expecting it to happen 

 

if you really want to settle the things before getting married then you need to make some very very harsh decisions, 

if you have premiums on a big brand new car, sell it off and buy a used car,, 

thats your start.. anyway every person has his/her own way of solving financial issues,... yours should be on your own terms,., 

koncham2 Sr. Hero

koncham2

Posted
Posted

generalize cheyatam tappu.  oka vela frustration lo aa post vesavu ante na migata post anta ignore cheyyi.. ledu mind senses anni control lo vundi aa message post chesavante na kinda message chudu... 

( of course i dont like bragging but since you have generalized , here is my story in brief)

 

came to US in 2011 for masters ( 1 year Executive business degree) for a prestigious university .. took coaching for gmat and wrote GMAT 2 times so for coaching it was 25,000 rupees and for gmat exam fee 25000 ( for both attempts) so thats 50,000 rupees.

 

used another 20,000 for shopping before reaching us. 

and another 1.5 lacks converted to travellers checks.

and 50,000 rupees for tickets. 

 

except 1.5 lacks rupees for travellers checks everything else was taken from my savings account( i had been working in india for 4 uyears until then so I could save some money)

 

so that 1.5 Lacks in negative.

 

 

then one prof from the univ promised 100% scholarship ( in state tuition fees covered and out of state tuition fee 75% covered) . so the rest 25% was about 7 lacks ( since it is a business degree it is a bit expensive)

 

so I took a loan of total 20Lacks ( intini takattu petti mari) and got the check of 7 lacks converted to us dollars to pay my fees.

 

two days after my classes started in the universty, the professor who promised me the scholar ship had changed his research and so didnt hire me . his replacement hired me but he didnt give me any scholarshipts. instead he have me an hourly job of 8 dollars for 20 hours on campus. and promised me that he would give me scholarship from the second semester. But he never did that. 

 

 

bottom line, for my tuition fees I had to pay 15 lacks in total. ( after working 20 hours in campus and remaining off campus) 

 

so far 15 lacks + 1.5 lacks in loans. 

 

business school trip to London - tickets and other expenses total 50000 rupees..

 

and add other miscellenious expenses 

 

in total I had a loan of close to 20 lacks by the end of my school.  the cool off period to repay the loan given by the bank is 1 year , so after that 1 year with interest the total loan was 24 lacks ( i didnt get job until 6 months after my graduation)

 

I got my first job, in Jan 2012. 

by the end of may 2013, I paid a total of 23, 450,000 rupees to repay my loan and get  the documents of my house back from the bank . 

 

so yes, you can repay the loan , it is practical and definitely possible. It is tough , you got to be very very miser in spending the money.

 

Good luck

 

GP bro..

 

to TS - schedule a payment per month nd dont miss any if possible

 

andhari life lo financial probs chusamu, nd in future may be chudochu 

 

only advise is to have a proper schedule, with planned career , not to miss ur source of income - at least try

 

ni tensions valla - advise/ replies iche valla mida frustation chupisthe - evariki labam vundadhu

 

P.S: we only advise or try to deiviate based on ur theds

ziboomba Side Hero

ziboomba

Posted
Posted

US lo single income people andharu....ki same problem man....

 

including u....

 

so nuvvu kuda pelli chesukoku....

 

rey ulfi, neku okkadike single income saripovatledhu ante.. pelli cheskoni em chesthav ra jaffa na jaffada. twaralo lay offs vasthayi , ika ready avvu. US lo 25k per anum tho kooda baga brathukunnaru thela valu. nekem ayyindhi ne moham manda.

Bongu..Boshanam Hero

Bongu..Boshanam

Posted
Posted

days r changin man.. if u honestly believe u r settled and matured by 21.. then, yh.. why not.

28yrs ke inni appulesukuni, malli inko pilla ni kooda life lo ki add chesi, em podicheddamani.. 

let him do the priorities n finance...called balancing.. oka 10k ready chesko bfre mrge..go simple on weddng..; once u cme bck..apply fr EAD fr ur wife...(if not interested her to work, ask her to wait 3-4mnths in india) then earn antoher 10k by maintaing min monthly payments..apudu thanu vachaka 1-2 months job buiscuit ayina pedda farak padadhu..ame nu kuda wrk frm home, ead jobs cheyyagaligithe ok..atleast ame vachaka, she can understand things in US...or u can educate her....there is ur couple get benifited w better understandings/sharing. It would b sweet memory in future...kinda team work ani murisi potharu ( MS kastalu venakki thirigi chusukunnappudu...abbo chala chesam aa rojullo) anukunnattu....Dont b afraid....but jus stabilize ur job...show runs on.... 

 

keep in mind..min expnses..frnds tho competition valadhu...cc lo pathadi kattu - kothadi pattu..rotation..nalupu to US Prez, chai wala to ind pm,...ala inspiring urself...deprzz aithe bayamestadi... 10nge batch ki dhuram ga undu..surroundings friendly ga unte..picha lite..easy ga 1 yr chalu. Becoz im in shame ship n shit. 35L..

sahasam Side Hero

sahasam

Posted
Posted

let him do the priorities n finance...called balancing.. oka 10k ready chesko bfre mrge..go simple on weddng..; once u cme bck..apply fr EAD fr ur wife...(if not interested her to work, ask her to wait 3-4mnths in india) then earn antoher 10k by maintaing min monthly payments..apudu thanu vachaka 1-2 months job buiscuit ayina pedda farak padadhu..ame nu kuda wrk frm home, ead jobs cheyyagaligithe ok..atleast ame vachaka, she can understand things in US...or u can educate her....there is ur couple get benifited w better understandings/sharing. It would b sweet memory in future...kinda team work ani murisi potharu ( MS kastalu venakki thirigi chusukunnappudu...abbo chala chesam aa rojullo) anukunnattu....Dont b afraid....but jus stabilize ur job...show runs on.... 

 

keep in mind..min expnses..frnds tho competition valadhu...cc lo pathadi kattu - kothadi pattu..rotation..nalupu to US Prez, chai wala to ind pm,...ala inspiring urself...deprzz aithe bayamestadi... 10nge batch ki dhuram ga undu..surroundings friendly ga unte..picha lite..easy ga 1 yr chalu. Becoz im in shame ship n ######. 35L..

:O endi idantha... naaku directed ga chesi cheppav.. i dont need this all man.. manamsunil3.gif

Bongu..Boshanam Hero

Bongu..Boshanam

Posted
Posted

:o endi idantha... naaku directed ga chesi cheppav.. i dont need this all man.. manamsunil3.gif

flw ala vellipoindi le..plz frwd...sunil3.gif

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