A debt free wannabee diary of a 16 year old!

PinkTwirl

I would say to you, don't whatever you do get credit card debt. That is the very worst thing you can have. The only bit of debt which is reasonable in life is a mortgage, possibly a car loan, maybe a foolish store card once in life, but credit cards go in for the kill. They bring a lot of worry.

Good luck ! x

SamanthaA

My best wishes & good luck for the job hunting and remaining DF for as long as possible!

I only hope my 10 yr old DS turns out at sensible and hard working as you seem to be!

Katie-Kat-Kins

Hi Jess,

Just wanted to add a couple of words, I saw you had money in your parents account, at 16 you should really get yourself a current account. If you get a job most employers will want to pay you direct to your account. Get a savings account too and then you can put some of the money in there to discourage you from frittering it away, hide the card or give it to your mum if you need an added incentive. I find just seeing the money add up in my saving account really puts me off breaking into it though!

Best of all there are some great offers to tempt teenagers to open an account. When I was your age loads of the banks gave away young persons rail cards or driving lessons, so bag yourself a freebie while you are at it!!!

Good luck with the job hunt, and as well as retail and hospitality why not look out for office junior positions too, the hours are regular and there are often good opportunities to progress on. In fact post whereabouts you are from and people might be able to give you a few hints.

K

Trumpo

Hi Jess. When you do get an interview, and you will, it's sometimes worth doing a little research into the company you're applying to. It shows that you are taking the interview seriously and is bound to impress the interviewer. Even little things like how long the company's been going. Can also lead to you asking the right questions when they say "Is there anything else you need to know?"

edinburgher

Yes, it's always good to ask a few questions (some people won't and it's very negative). Having interviewed people I know that the interviewer/s expect some additional questions, as it shows interest.

Good questions:

What opportunities for training will there be?
What is a typical day in {the role} like?
Why has the post arisen? (this one isn't as relevant for part-time jobs, as turnover is naturally higher)

Bad questions:

How much will you pay me?
What benefits are there?
I need to change my hours frequently - is this ok?

junior_j

All your replies are brilliant , when i phone around hotels ect i will remember the tips and if im lucky enough to recieve a interview i shall also remember all your wonderful tips!

Thanks again , you guys are lovely

By the way i do have my own bank account and am looking into a saving account!

Jess xx:beer::money::money::money:

taplady

hi Jess - just wanted to wish you good luck with job hunting - wish my recently unemployed 18 year old was more like you:rolleyes: I'm sure with your good attitude you'll soon be in a job!:T

ashia_2

Hey sweetie, just had to say

OH MY GOD! I wish I'd have been half as smart as you when I was sixteen!

I think your doing fably and, as an Oldstyler (at 24) would welcome you to the board. Its good info, 'specially for when you live away from parents, but as the major cook, we also have loads of recipe and food type info....

Have to echo the 'credit cards are evil' thing Pink Twirl said - worse thing I ever did.

Happy job hunting!!!!!!

Cinny91

junior_j wrote: »

Even being a cleaner would be good to me at the end of the day its money and a starting ground!

Hi junior_j :hello: I'm 17 and joined this site afew months after my 17th birthday.

I used to work as a cleaner for my local council when I was 16, it is surprisingly alot of fun! Don't be put off by the fact it's 'just a' cleaner.
My older sister still works there, and she dresses completely in topshop or french connection, wears chanel makeup (and isn't a penny in debt.) Which shows it isn't all bad being a cleaner! And the money is great for what you do. Definitely look into it, check your local councils website.

Good luck with getting out of your debt, finding a job and money saving!

Caroline73_2

I had a cleaning job when I was 16 and i loved it.

Didn't need to spend my money on smart work clothes, easy on the brain, no stress and it kept me out of trouble!