Payment holidays

When do you think you’d most need a payment holiday from the largest financial commitment you can make? In your hour of need, normally. Seems no one has told the Halifax that as they’ve just told me I can’t have a payment holiday as I don’t have a job or a start date for a job. I’m not asking them to forgive my debt, I’ve every intention of honouring every last penny, but I am asking them to give me some breathing space. I feel I’ve done the right thing by only asking for help when I’ve really needed it but feel a little hard done to that they didn’t seem keen to help

First day nerves

For the first time in about 20 years, I’m going to sign on the dole. Not sure why I’m nervous, I’m sure the sheer volume of jobs I’ve applied for in the last 4 or 5 days will be more than sufficient. Perhaps its just that a year ago I couldn’t envisage having to go through this again. 20 years ago I wouldn’t have contemplated taking my laptop as proof of applying for work (I’ve managed to forward the emails to a new account on my tablet; hopefully they’ll accept that) but now I’m desperate to get back on the work ladder and have that horrible Sunday night back to work feeling