Advice with the OR phone interview

AircraftHandler

tigerfeet2006 wrote: »

To quit smoking.

I've tried everything from Hypnosis to patches but i've been so stressed for the last year that it helps me. I know it seems like a cop out answer but its the way it is.

elljay

It sounds like you've both been through a hell of a lot, and with such a responsible job too, I'm not surprised. However, you are now being offered a great chance to start anew, with one huge stressor out of the way, so alcohol (special treat, 2.99 a bottle of wine from Aldi), cigarettes and all of that stress can now be part of that old, past life, not the new.

Either that, or you cut back somewhere else, eg food. What would you rather do, eat or smoke?

AircraftHandler

elljay wrote: »

It sounds like you've both been through a hell of a lot, and with such a responsible job too, I'm not surprised. However, you are now being offered a great chance to start anew, with one huge stressor out of the way, so alcohol (special treat, 2.99 a bottle of wine from Aldi), cigarettes and all of that stress can now be part of that old, past life, not the new.

Either that, or you cut back somewhere else, eg food. What would you rather do, eat or smoke?

I fully understand what you're saying and thank you for being positive.

Do you think that SOA income & expenditure is correct?

Witchfinder_General

24 years. Ex-RN.

1. If you are victualed on your warship, and this is a sea going billet, your food is free. So are front line (barrack stanchion) squadrons. Why are you taking your own in?

2. You don't pay Gym membership. The facilities (for you) are also free.

3. Get a treadder, and cycle in. Lots and lots do.

egrescrimp

I'd increase your clothing to £50 if it's covering both you and your wife.

AircraftHandler

Witchfinder_General wrote: »

24 years. Ex-RN.

1. If you are victualed on your warship, and this is a sea going billet, your food is free. So are front line (barrack stanchion) squadrons. Why are you taking your own in?

2. You don't pay Gym membership. The facilities (for you) are also free.

3. Get a treadder, and cycle in. Are you NAS Yeovilton?

Hi,

1. I live ashore in a MQ so not victualed in so have to pay for my food at lunch onboard as they make us pay for it.

2. Yes they are but when i'm on leave and in the evenings and weekend i go to the gym to do my rehab for my back pain.

elljay

The thing is that you do have to be prepared to modify your lifestyle when you become bankrupt as so frequently it's that lifestyle that has caused the debts to build up in the first place - living beyond your means etc. I do wish there was some sort of post-bankruptcy guidance on budgeting and generally living in a more financially savvy way. Maybe a course we all have to go on or something before discharge? Without this forum, you do tend to feel as though you're on your own and even professional advice organisations get it wrong.

This isn't aimed at you specifically but there have been some recent posts on here from people who don't realise they need to change how they've lived, otherwise once discharged, they can find themselves back to square one again - and some have.

Others have made very sensible comments on your SOA, just be businesslike and take the OR's advice, remember you have a long term relationship with him/her so a flexible reasonable discussion at this stage will help you in the coming year - or longer if you have an IPA.

AircraftHandler

elljay wrote: »

The thing is that you do have to be prepared to modify your lifestyle when you become bankrupt as so frequently it's that lifestyle that has caused the debts to build up in the first place - living beyond your means etc. I do wish there was some sort of post-bankruptcy guidance on budgeting and generally living in a more financially savvy way. Maybe a course we all have to go on or something before discharge? Without this forum, you do tend to feel as though you're on your own and even professional advice organisations get it wrong.

This isn't aimed at you specifically but there have been some recent posts on here from people who don't realise they need to change how they've lived, otherwise once discharged, they can find themselves back to square one again - and some have.

Others have made very sensible comments on your SOA, just be businesslike and take the OR's advice, remember you have a long term relationship with him/her so a flexible reasonable discussion at this stage will help you in the coming year - or longer if you have an IPA.

I have massively changed my lifestyle and the reason i declared bankrupt is of being left with such a shortfall from relinquishing my old property with my ex partner due to the Mortgage company selling it for considerably less than its market value. My ex did not want to contribute to her half so if i paid mine i would still be liable to pay her half amounting to 80k

elljay

How did it go?

AircraftHandler

It went ok and she was very good and made me feel at ease. Worked out my IPA and we've got it at £370 to pay every month. As i'm in the forces i've had to justify my fuel outgoings as i travel around 70 miles a day and travel back to Wales & Lancashire to visit family every month which eats into a massive proportion of expenses. She may ask for copies of my bank statements but its varied as i've taken out cash to pay and used my debit card in the past for fuel and shopping so i'm not sure what will come of it.

Fingers crossed she will understand that with me being in the Forces i'm not a normal case and have to see family and that they live hundreds of miles away.

Many thanks