New Start

SmarterNotHarder

That's food for thought. I won't ask my parents to keep the money aside as I'm supposed to be a growed up or something!

The idea about adding everything up and putting it to one side sounds like a good plan. Scary, yes, but a good plan all the same

mfmaybe

SmarterNotHarder wrote: »

That's food for thought. I won't ask my parents to keep the money aside as I'm supposed to be a growed up or something!

The idea about adding everything up and putting it to one side sounds like a good plan. Scary, yes, but a good plan all the same

When I was (much much!) younger, several of my friends did the parent-saving plan. But I agree it's not the most grown up of ways to go about it .

Ring-fencing can work; and not only will you get the deposit faster, it won't be such a shock when you need to start paying these costs for real either.

SmarterNotHarder

I need help. I'm not in debt - well I have £800 on a 0% card that's being paid off at £50pcm, my original deal ends at the end of this month, but I transferred the balance to another of my cards that had a 0% balance transfer deal on. I also have significant savings, but they are earmarked for that house deposit, so I don't want to use them.



Since the last time I was on here, I got made redundant at the end of 2017, got paid my redundancy, went traveling. It was amazing.

I have been back for nearly 6 months. I live in a UC area, but I don't qualify for means tested benefits. I have been in receipt of JSA (Contributions based) which is due to end at the end of this month.

I had all these amazing plans about looking for work and finding something I loved blah blah blah. In reality, I've been stuck.

I live with my parents. My dad is retired, mum has got a few years left because they messed around with the retirement ages.

As "rent" I've taken over most of the housework etc and parents are more than happy with that. I know I'm really lucky, I paid them proper board when I was working and a more when dad didn't have an income for a year before he got his pension as he found it difficult to get a job due to his age. Please don't think I'm sponging off them.

I don't really know why I'm pouring all this out to you guys, but I'm really struggling. I recently had a blood test because I've been feeling really tired and lethargic for a while, even though I'm not working and thought it was my iron levels. It turns out I have an underactive thyroid, and the results seem to indicate its gone on for ages, and I didn't recognise the symptoms as being an illness, and just put it down to being personal failure.

Now I'm scared. I've never been out of education/employment/actively traveling for this long before. I'm worried about how to explain it to new employers. But this means that I'm facing a massive block anytime I even try to apply for anything. I've lost any confidence in my abilities as an employee, and if I can't convince myself I'm good enough for a job, how am I going to convince an employer?

I can't even do a SOA because after the 1st June I won't have any income at all. I don't have regular outgoings either apart from the above credit card. I could pay it off all at once from my buffer fund, but I feel better having that there.

I think I just needed a rant. Feel free to ignore.

Siebrie

"I was made redundant (due to reorganisation/etc) and received a severance pay. I took this money and an extended break as a once-in-a-lifetime opportunity to travel and relax. I went to x, y, and z country. Now my batteries are fully recharged and I am eager to join the workforce again ". Make sure you say it with conviction and a huge smile.

SmarterNotHarder

Thank you Siebrie, I just need to practice saying it until I believe it