Help......

Ox1987

Gaz

What did you do during the period of when undischarged did you not work or find another way

GazHatesBanks

Ox1987 wrote: »

Gaz

What did you do during the period of when undischarged did you not work or find another way

I was employed most of the time, but I did also find some temporary work though an agency after I left this employment combined with a little freelance work (self employed) - only at a lower clerical level and not always in accounts but it was enough to keep money coming in and pay the bills. Luckily I found my current position (fairly) quickly and only had to do this for about 3 months.

I guess a lot will depend on the work situation where you are and what your minimum earnings need to be in order to pay your bills.

Ox1987

I am on a fixed term contract now but i am thinking if i lose house and have to start again on reduced bills will i get work

i am a senior level now but would happily drop back to be happy again.

An agent has said he could get me work if BR as long as no fraud but i assume at FC/FM it cant be a bad wage as newly quals get decent these days not the 10k i started on 15 years ago

Jox

Hope you're feeling a bit more positive now Ox1987, are you and your wife working on plans?
Everything will be ok (I know it's easy to say, but do try to stay positive, the love of your family is the most important thing in life and all the money in the world won't change that)

Ox1987

Thanks Jox
I was ok but now a bit down as I was told by SC that a DMP ideally would pay off in 10 years yet with my current available amount being only 200 ish that it may not be practical I would lose this current role under BR and was positive this morning to make it work and try and avoid BR . Now i am back wondering what life would be like post BR for me and my family, especially if we lose the house and will we be happy again.

rossireps

i didnt really have alot to loose as i dont work but,br was the best thing i ever did. i spent 3yrs in fear of the postman and everything. including the agent from moorcroft on my door.. i know its different if you have a good job but even though i have issues still un related to br i have never looked back. best of luck

Ox1987

Bit down this evening, size of debt seems daunting for a DMP but hopefully we can do it. We have Sons first communion coming up soon and we dont want to ruin it as he will remember that for life

Jox

I'm sure you'll be fine, try not to worry too much....

capeverde

Look, put things into perspective, its only numbers and its not going to stop the world turning. You have to understand your children love you because you are you, not because of the size of your house or the amount you earn. Its obvious that things have come to a head and you aren't always thinking rationally, so you need to take all the information on board and make a plan to put things right. In taking the first steps to do this, things will become easier. Break things up into manageable size pieces and tick them off. More importantly, dont bottle things up and be open and honest with those closest to you about your situation. A problem shared and all that.

asdf1982

at a glance I wonder if theres a couple of things you could cut out. 1. the car and 2. the life assurance (or is it a requirement of your mortgage?).

I'm ACCA not CIMA but I think in financial services in general its hard to get a new job if you are BR. Hopefully you'll be kept on and you can continue making the repayments, that would be the best outcome x