As I mentioned in my last post my work are not getting back to me about a flexible work request I submitted in August. Well they did get back to me with a meeting date on the 22nd of November, then cancelled it and have not got back to me. Considering my leave is due to turn into annual leave on the 14th of December this is cutting it really, really fine. Although I'm not due to go back until late Jan after my leave. I really don't want to go back five days a week, I couldn't imagine being away from Skint Junior for that amount of time each week.
So today I have started applying for new part-time jobs, specifically one doing senior admin at the University which I used to work at. I loved it there, I loved the purpose of working towards peoples education. The job I'm in at the moment is mainly concerned with I.T. sales. And it's boring. Oh so boring. Quite like working with the geeks though, they're a lot of fun, particularly on works nights out. But really I don't come home with an overwhelming sense of satisfaction because I have administered the sale of two software servicing contracts, I really don't.
And although the money is similar it would mean losing my bonus. Which I don't always get and wouldn't be that big if I was part-time.
And really I'm not that motivated by money, perhaps this is why I'm skint?
Showing posts with label Debt. Show all posts
Showing posts with label Debt. Show all posts
Wednesday, 14 November 2012
Tuesday, 13 November 2012
Today we sat down for a serious conversation.
So last week my mother found a letter stuffed under a sofa seat which said that my husband had a CCJ. This has prompted the 'serious conversation' of sitting down with the husband to discuss exactly which debts he has.
It's around £7100.00 all told that we have to worry about. My folks have offered £2k towards them. So we've had to sit down and decide which debt to pay it against. The repayments are quite high, about £80 a week and hopefully this will reduce them by £25 which is quite a lot of money to us.
This has been stressful, just discussing the debts - even though it is with potential to pay part back, just the thought of the debt makes every sinew tighten and my hackles rise. Although it may not sound a lot we're not on a big income so it's an awful, awful amount of money to us, particularly when our outgoings and incomings are very similar with little room to economise. These are also debts which have already been through the court process so any default could lead straight to bailiffs at our door.
It wouldn't be too bad but we are in a very uncertain situation at the moment with my work as they are messing me about with my flexible working request. I put the request in August and didn't hear anything back until recently when they arranged a meeting for the 22nd November but now even that has been cancelled. I'm supposed to be finishing mat leave and going onto annual leave next month with a return in January next year.
However if they turn down my request which was for a 3 day working week I don't think I could bear to go back and leave the baby I have tried for 10 years for in a nursery 5 days a week and just see him at weekends. This does raise the spectre that if I am not working for a while we may end up in a situation where we can't meet the payments and I hate to think of what would happen if we defaulted.
Anyway, trying to be positive and apply for some part time jobs, perhaps in something more rewarding than the job I have at the moment.
All this and it's poor Mr Skint's birthday today. It has not been particularly festive.
Such is being a skint Mum, but onwards and upwards, we will get through this, a lot less upbeat than yesterday though.
It's around £7100.00 all told that we have to worry about. My folks have offered £2k towards them. So we've had to sit down and decide which debt to pay it against. The repayments are quite high, about £80 a week and hopefully this will reduce them by £25 which is quite a lot of money to us.
This has been stressful, just discussing the debts - even though it is with potential to pay part back, just the thought of the debt makes every sinew tighten and my hackles rise. Although it may not sound a lot we're not on a big income so it's an awful, awful amount of money to us, particularly when our outgoings and incomings are very similar with little room to economise. These are also debts which have already been through the court process so any default could lead straight to bailiffs at our door.
It wouldn't be too bad but we are in a very uncertain situation at the moment with my work as they are messing me about with my flexible working request. I put the request in August and didn't hear anything back until recently when they arranged a meeting for the 22nd November but now even that has been cancelled. I'm supposed to be finishing mat leave and going onto annual leave next month with a return in January next year.
However if they turn down my request which was for a 3 day working week I don't think I could bear to go back and leave the baby I have tried for 10 years for in a nursery 5 days a week and just see him at weekends. This does raise the spectre that if I am not working for a while we may end up in a situation where we can't meet the payments and I hate to think of what would happen if we defaulted.
Anyway, trying to be positive and apply for some part time jobs, perhaps in something more rewarding than the job I have at the moment.
All this and it's poor Mr Skint's birthday today. It has not been particularly festive.
Such is being a skint Mum, but onwards and upwards, we will get through this, a lot less upbeat than yesterday though.
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