Job on the line. Debt must go!

supersaver1000

Hi Sparky, sorry to hear you've been down. Hold on in there and don't worry about getting it out on here - everyone is pleased to support you through the bad times.

Brightspark87

Feeling far more positive today. I will tackle my debt. I will sort everything out and I will make it through this application! Woo hoo!!!

Fast day fully on track boom!

Hope you are all well and having a great day. Thanks again for catching up with me. x

Brightspark87

morning all hope you are all good!

Today will be another good day I am sure, its a lovely warm day if not that sunny in London.

STILL no news on the FCA, on Friday I had to agree not only to monthly meetings but to meeting the debt repayment targets set by my company.

fingers crossed I have done enough to get this sorted now....

Have a great day all! x

Brightspark87

Morning all

Still STRESSING about job stuff. But never mind. Went out for a lovely lunch yesterday and saved some money by only having a starter. Now my team at work want to go out Thursday and even if I order cheap it will be £20 minimum as everyone shares the bill! Good job that my food budget was hardly spent this week so I will take it out of there.

Hope you are all well!

xx

Brightspark87

Morning all

Dramas at work yesterday. Its very warm in London and the second person this week fainted in the office! Its crazy!

As far as MSE goes I was taken out for a very healthy lunch yesterday and it was really yummy. It was massive too so dinner was just a smoothie.

Hope you are all good?

(no reply from FCA! sadddd) x

ShirePiskie

Afternoon! :wave:

Where do I write to complain to the FCA because I am scrolling down to find your diary daily (I should probably just subscribe) to see if there's any news and I think I'm getting RSI? Glad you're remaining upbeat about it.

Brightspark87

haha! I wish you could I like to think that I will make a better financial adviser because of the journey I am on!!

The latest update - another email. this time asking what actions my work will take if I do not meet my debt repayment deadlines......

Basically, if I do not repay my debt at the agreed rate I will be de-authorised.... and be out of a job!!

Just makes you think eh??

Last night we went out for a drink, great time and the boss wouldnt get me pay. very MSE!!

Have a great day all x

On_my_way

Brightspark87 wrote: »

Dear all

After a crap nights sleep, stress worrying tossing and turning I woke up this morning feel frustrated. I have provided these people with everything, bared my whole life open to scrutiny. No wonder that most people in this role are wealthy men. If I had no debt I wouldn't have this stress. I would have just ticked the box to say no issues and got authorised overnight. I feel that as a women who has had relationship issues I am being punished. I know they say that its no longer people from money who rule the world, but if my mum and dad gave me £13,000 I wouldn't have this issue. (not slagging anyone on here off but just comparing myself to a work colleague).

Sexism and elitism is still alive in the city of London in 2014.

I agree, I think men often get away with being quite clueless but still being promoted.

Just keep up with your NSD's and keep your chin up. It is easier for some than others. You can put relationship issues down as a reason. My ex completely financially abused me, he knew that I couldn't afford it but he would humiliate me so much and bullied me into things using his moods and nasty comments to make me do what he wanted...and still, when I finally managed to finish with him my sister hated me for it!

On_my_way

Brightspark87 wrote: »

haha! I wish you could I like to think that I will make a better financial adviser because of the journey I am on!!

The latest update - another email. this time asking what actions my work will take if I do not meet my debt repayment deadlines......

Basically, if I do not repay my debt at the agreed rate I will be de-authorised.... and be out of a job!!

Just makes you think eh??

Last night we went out for a drink, great time and the boss wouldnt get me pay. very MSE!!

Have a great day all x

That's nice. You have to make sure that your repayment plan is realistic and have a lot of NSD's to make CERTAIN that you repay what you need to. Don't risk your job over buying too many coffees etc in a month!

On_my_way

Brightspark87 wrote: »

morning all hope you are all good!

Today will be another good day I am sure, its a lovely warm day if not that sunny in London.

STILL no news on the FCA, on Friday I had to agree not only to monthly meetings but to meeting the debt repayment targets set by my company.

fingers crossed I have done enough to get this sorted now....

Have a great day all! x

Well done! You absolutely HAVE to make sure you can make the re-payments and therefore will need to really study people's suggestions here about serious budgeting! I have had to learn to budget as I used to think -oh, I have xx amount left in my account that's ok and buy stuff anyway but now I work to a budget including saving that I stick to.

I do think some people try to throw people off of their budgets but you have to be strong and ignore that. I once read (maybe on here) "you don't need to reward yourself for things with food, you're not a dog." Therefore I try not to reward myself for stress relief, doing well at work etc with expensive coffee, lunches etc.