Gee, give the lad a break. He's only in his 20s.I would suggest that you have come to the wrong place to seek advice on how to purposefully renege on debt that you willingly took on. It's the rest of us that pay for it.
At what age should this adult be treated like an adult?Gee, give the lad a break. He's only in his 20s.
I think what people are trying to say isAt what age should this adult be treated like an adult?
Edit: In hindsight maybe you are not being serious....
I still think the comment regarding reneging on the debt was fair.I think what people are trying to say is
In general people start earning their own wages in their 20 and become financially independent.
Not everyone has the skill or ability or luck to live within their means and some at the start of their financial independence will soar and some will sink - and sink badly like the OP.
Not everyone is financially savvy and can get the hang of risk/debt/income/outgoings from the get go so allowing people a bit of grace (such as give him a break, he is only in his 20’s) is just plain kindness and being non judgemental.
So let’s focus on advising and helping rather that casting young adults to the wolves because they ended up in a mess.
Get a hospitality role. Go to local hotels. Not what you want but they might offer other opportunities further down the road. Even if you're working behind a bar you could offer to help with IT issues and ask if you can assist with admin roles for an hour or two a week.I would like to thank everyone for their help. With the first few comments on here I didn’t think this forum would be beneficial.
Just to answer a few of the questions above; I studied Law & Taxation, Law was what I wanted to get into but unfortunately due to not knowing anyone in the field and, having no previous experience, it would seem I’m pretty far down the pecking order.
I’m 24 and I did not follow through with purchasing the car that time as I would not have been able to afford it. I am on jobseekers at the moment, but with my rent it is not enough to survive while also paying a loan. In terms of my family, unfortunately my mother is widowed and has told me many times is in no position to help or allow me to move back in. I have reconnected with MABS and I will have another conversation. I will not be settling in Ireland in the future and have no ambitions of ever getting a mortgage here which is why I was thinking the way I was. Looking at the comments here I can see why moving abroad would not be a great move at this moment in time.
I write cover letters on every application and have tailored my CV to the types of jobs I’m applying for which is HR, IT, Admin roles. I have a lot of experience in these areas, having worked throughout all my college years. I’ve been graduated for a year and a half now also.
Thanks again for all the help and suggestions. I’m just going to keep applying, hope something falls for me soon and put the head down for the foreseeable. It’s just an incredibly frustrating situation.
I sympathise with your situation, and understand the feeling of hopelessness with having debt hanging over you, while not being able to get a head start.I would like to thank everyone for their help. With the first few comments on here I didn’t think this forum would be beneficial.
Just to answer a few of the questions above; I studied Law & Taxation, Law was what I wanted to get into but unfortunately due to not knowing anyone in the field and, having no previous experience, it would seem I’m pretty far down the pecking order.
I’m 24 and I did not follow through with purchasing the car that time as I would not have been able to afford it. I am on jobseekers at the moment, but with my rent it is not enough to survive while also paying a loan. In terms of my family, unfortunately my mother is widowed and has told me many times is in no position to help or allow me to move back in. I have reconnected with MABS and I will have another conversation. I will not be settling in Ireland in the future and have no ambitions of ever getting a mortgage here which is why I was thinking the way I was. Looking at the comments here I can see why moving abroad would not be a great move at this moment in time.
I write cover letters on every application and have tailored my CV to the types of jobs I’m applying for which is HR, IT, Admin roles. I have a lot of experience in these areas, having worked throughout all my college years. I’ve been graduated for a year and a half now also.
Thanks again for all the help and suggestions. I’m just going to keep applying, hope something falls for me soon and put the head down for the foreseeable. It’s just an incredibly frustrating situation.
As you are only 24, that might well change.I will not be settling in Ireland in the future and have no ambitions of ever getting a mortgage here which is why I was thinking the way I was.
Have you considered working in accountancy practice? Your qualifications seem ideal for that area, and there is plenty of opportunity in the sector both for starting roles and for medium-term progression.Just to answer a few of the questions above; I studied Law & Taxation, Law was what I wanted to get into but unfortunately due to not knowing anyone in the field and, having no previous experience, it would seem I’m pretty far down the pecking order.
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I write cover letters on every application and have tailored my CV to the types of jobs I’m applying for which is HR, IT, Admin roles. I have a lot of experience in these areas, having worked throughout all my college years. I’ve been graduated for a year and a half now also.
Thanks again for all the help and suggestions. I’m just going to keep applying, hope something falls for me soon and put the head down for the foreseeable.
The days of having to know people in law are gone unless you want to become a barrister. With a law and taxation degree you should be able to get a corporate law job. Have you completed your FE1s?Just to answer a few of the questions above; I studied Law & Taxation, Law was what I wanted to get into but unfortunately due to not knowing anyone in the field and, having no previous experience, it would seem I’m pretty far down the pecking order.
I did have a look at the springboard courses in November but it seems I missed the application date for most of them. I also did not think I’d be on jobseekers for as long as I have. There were a few courses I had an interest in however. I’ve also thought about doing my masters but again unfortunately I’m not in a position financially to do that. Regarding my debt, I don’t think it is a situation I can never come back from, I’m not stupid as some of the above posts would suggest. I manage my finances as best I can, my debt has come from impatience and frustration on my part, not a complete lack of understanding of finances, albeit maybe a bit of stupidity. It just means I’ll be chasing myself for the next few years which is disheartening.I sympathise with your situation, and understand the feeling of hopelessness with having debt hanging over you, while not being able to get a head start.
Firstly I'd like to say that your level of debt is not huge, even if it seems so to you at this time. My personal experience is that perseverance, diligence and a few lucky breaks over the years can absolutely transform your situation. Also to take whatever role comes your way, regardless of pay levels - earning anything is better than not earning at all. It's hard to have hope when you're bogged down & consumed by debt levels, worry & unsure of next steps.
Are you aware of Springboard courses? They are free to jobseekers & give very valuable qualifications, if you wanted to specialise or pivot career-wise. You have experience in various areas, perhaps gaining more qualifications & experience in 1 area, whilst still applying for roles, could help.
The year we were meant to go on work experience was the year Covid began which is another piece of bad luck I’ve had thrown my way. That is also a factor that’s holding me back I believe. I’ve applied for entry roles in many places as stated above but as a manager in Aldi hinted, ‘we have no way of knowing if you’ll just be here for a month or two and then leave’ which I assured him is not the case. I’d assume the managers of Holland and Barrett, Tesco and Dunnes all felt the same when they rejected my applications.As you are only 24, that might well change.
You said you graduated a year and a half ago, did you get any work experience since then?
I would also consider jobs at any level. linked or not to your studies. When I started my career, my education was not necessarily immediately relevant.
Congratulations on getting such a difficult degree. You have put in a lot of hard work and I can understand your disappointment in not getting offers of employment.I would like to thank everyone for their help. With the first few comments on here I didn’t think this forum would be beneficial.
Just to answer a few of the questions above; I studied Law & Taxation, Law was what I wanted to get into but unfortunately due to not knowing anyone in the field and, having no previous experience, it would seem I’m pretty far down the pecking order.
I’m 24 and I did not follow through with purchasing the car that time as I would not have been able to afford it. I am on jobseekers at the moment, but with my rent it is not enough to survive while also paying a loan. In terms of my family, unfortunately my mother is widowed and has told me many times is in no position to help or allow me to move back in. I have reconnected with MABS and I will have another conversation. I will not be settling in Ireland in the future and have no ambitions of ever getting a mortgage here which is why I was thinking the way I was. Looking at the comments here I can see why moving abroad would not be a great move at this moment in time.
I write cover letters on every application and have tailored my CV to the types of jobs I’m applying for which is HR, IT, Admin roles. I have a lot of experience in these areas, having worked throughout all my college years. I’ve been graduated for a year and a half now also.
Thanks again for all the help and suggestions. I’m just going to keep applying, hope something falls for me soon and put the head down for the foreseeable. It’s just an incredibly frustrating situation.
FE1s require me going to Dublin and spending more money. They are on my agenda in the future. Also I know people who have been taken on by firms before even graduating and I have not which would contradict that point.The days of having to know people in law are gone unless you want to become a barrister. With a law and taxation degree you should be able to get a corporate law job. Have you completed your FE1s?
In terms of accountancy, I am competent but not great with numbers. Although we did touch on some light accounting modules I just always had the mindset that I would struggle in an accounting or tax environment.Have you considered working in accountancy practice? Your qualifications seem ideal for that area, and there is plenty of opportunity in the sector both for starting roles and for medium-term progression.
I'd recommend you apply for specific advertised vacancies rather than speculatively sending CVs.
I would agree. I believe them to be correlative. Once a good job with a long term progression plan is sorted for myself the debt will be bearable. I’ve managed this far paying it with minimum wage often times, I’ve always found a way to pay it.@Tomo1998
your Degree seems good.
I can't understand how 250 applications hasn't made much progress.
Have you tried the graduate programmes in the large accounting and law firms?
I think maybe the career development issue is a separate issue to the debt problem.
What have you done in the past 18 months?The year we were meant to go on work experience was the year Covid began which is another piece of bad luck I’ve had thrown my way.
When you start a career, you won't always be able to just find a job with a long-term progression plan. But at 24, you have an option in the long term.Once a good job with a long term progression plan is sorted for myself the debt will be bearable
I had worked with Vodafone until I got a 9 month contract in a manufacturing role. Once my contract was up I made the decision, a wrong one in hindsight, to try and spend all my time trying to secure a role I saw myself doing long term. This has led me to where I am. The last 3 months I’ve just been applying and trying to get something going for myself. I had also been sourcing and applying for roles previous to my contract ending so I did not leave myself out in the cold.What have you done in the past 18 months?
When you start a career, you won't always be able to just find a job with a long-term progression plan. But at 24, you have an option in the long term.
You'd have to go to Dublin to sit 8 exams. It'd cost a total of €840 and whatever the price of public transport to Dublin is. You're doing nothing at the moment so if you were motivated enough you could sit 2 or 3 of them in March and possibly finish them by the next sitting. It would make a huge difference to a potential employer, you could go straight into the PPC. It's actually a massive red flag to law firms that you're unemployed 18 months and have none of them done. Also those people that were taken on before graduating were likely high-performing academically. Did you do well in your degree? Law is very competitive so if you got poor results (2.2 or below) you'd need to compensate for that with extra graft to get a training contract (e.g. gaining relevant experience through an internship and/or sitting the FE1s).FE1s require me going to Dublin and spending more money. They are on my agenda in the future. Also I know people who have been taken on by firms before even graduating and I have not which would contradict that point.
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