SlideShare a Scribd company logo
Anjul Sharma
Head of Client Development
FreshMinds
ON YOUR SIDE
Researching society’s most vulnerable
with true empathy
Drew Drewery
Customer Experience
Nationwide
To deepen our understanding
of financial difficulty
What are the triggers and warning signs of financial
difficulty?
What actions do those facing financial difficulty take?
What emotions do those in financial difficulty experience?
THE GOAL
OVERCOMING THE OBSTACLES
A highly sensitive topic
The need for balance
THE SOLUTION
Phase 1: Explore thoughts and feelings
Phase 2: Validate findings
MEET LINDSAY AND SIMON
51% 50% 30% 26% 25%
4% 11%
Job related factors Personal or family
changes
Economy or
industry related
Health issues Needed to make a
large unexpected
expenditure
Gaming or betting Other
TRIGGERS OF FINANCIAL DIFFICULTY
LINDSAY AND SIMON CHAT
EXPECTING CONTACT WITH BANKS TO B
63%
37% Immediate
response
Delayed
response
felt there was no
solution so didn’t react
ACTIONS TAKEN BY THOSE IN FINANCIA
DIFFICULTY
Immediate reaction when faced with
financial worries
Reasons for delaying contact
thought the situation would
improve78%
44%
avoided contact with those
they owed money35%
LINDSAY AND SIMON CHAT
THE TOUGH EMOTIONAL JOURNEY
Denial and isolation Anger
Identity
crisis
Re-
evaluation
Accepta-nce
WE GOT FURTHER, FASTER BY
∕ Putting the customer at
the heart of the challenge
∕ Breaking the confines
of research
∕ Getting commitment
from stakeholders
Anjul Sharma
FreshMinds
Anjul.Sharma@freshminds.net
www.freshminds.net
QUESTIONS AND DEBATE
Drew Drewery
Nationwide
Drew.Drewery@nationwide.co.uk
www.nationwide.co.uk

More Related Content

What's hot

Call of Duty: America's Workforce in Financial Stress
Call of Duty: America's Workforce in Financial StressCall of Duty: America's Workforce in Financial Stress
Call of Duty: America's Workforce in Financial Stress
CareConnect USA of Waxhaw, NC
 
CUSTOMER SERVICE
CUSTOMER SERVICECUSTOMER SERVICE
CUSTOMER SERVICE
Aldric Horton
 
FPA Annual Conference 2017 - Keynote Speech, Coach Phillip Fulmer
FPA Annual Conference 2017 - Keynote Speech, Coach Phillip FulmerFPA Annual Conference 2017 - Keynote Speech, Coach Phillip Fulmer
FPA Annual Conference 2017 - Keynote Speech, Coach Phillip Fulmer
Finworx
 
Credit Cards
Credit CardsCredit Cards
Credit Cards
John Brothers
 
Workplace environment workplace_violence_ingredients_for_disaster
Workplace environment workplace_violence_ingredients_for_disasterWorkplace environment workplace_violence_ingredients_for_disaster
Workplace environment workplace_violence_ingredients_for_disaster
Shankar Myadharaveni
 
Moving from team’s dysfunction to high performance
Moving from team’s dysfunction to high performanceMoving from team’s dysfunction to high performance
Moving from team’s dysfunction to high performance
Vassilis Engonopoulos
 
Self Respection Final
Self Respection FinalSelf Respection Final
Self Respection Final
samhenteleff
 
Dr. Richard Wood - Stories of Hope: How Personal Accounts of Recovery can Inf...
Dr. Richard Wood - Stories of Hope: How Personal Accounts of Recovery can Inf...Dr. Richard Wood - Stories of Hope: How Personal Accounts of Recovery can Inf...
Dr. Richard Wood - Stories of Hope: How Personal Accounts of Recovery can Inf...
Horizons RG
 
David Wortley - Gamification Is Not Funny!
David Wortley - Gamification Is Not Funny!David Wortley - Gamification Is Not Funny!
David Wortley - Gamification Is Not Funny!
Knowledge Group
 
6 Trends
6 Trends6 Trends
6 Trends
Katya Andresen
 
Resolving Workplace Conflict
Resolving Workplace ConflictResolving Workplace Conflict
Customer experiance conference la
Customer experiance conference laCustomer experiance conference la
Customer experiance conference la
Pinny Gniwisch
 
Decision making - keep emotion out of it
Decision making -  keep emotion out of itDecision making -  keep emotion out of it
Decision making - keep emotion out of it
srikanth64
 
7elements
7elements7elements
10 Reasons Managers Should Have Regular 1-on-1s
10 Reasons Managers Should Have Regular 1-on-1s10 Reasons Managers Should Have Regular 1-on-1s
10 Reasons Managers Should Have Regular 1-on-1s
7Geese
 
PCMA Power Chapter - Annual Meeting Improvement
PCMA Power Chapter - Annual Meeting ImprovementPCMA Power Chapter - Annual Meeting Improvement
PCMA Power Chapter - Annual Meeting Improvement
Jeff Hurt
 
Organizational Behavior and Psychological Contracts Presentation
Organizational Behavior and Psychological Contracts PresentationOrganizational Behavior and Psychological Contracts Presentation
Organizational Behavior and Psychological Contracts Presentation
Aakriti Sharma
 
Hidden Adversity: Employee Financial Problems and the Workplace
Hidden Adversity: Employee Financial Problems and the WorkplaceHidden Adversity: Employee Financial Problems and the Workplace
Hidden Adversity: Employee Financial Problems and the Workplace
Matt Wilson
 
The Science of Gratitude
The Science of Gratitude The Science of Gratitude
The Science of Gratitude
Globoforce
 
Long-Term Recovery: Addressing Business Failures in Years 2-5
Long-Term Recovery: Addressing Business Failures in Years 2-5Long-Term Recovery: Addressing Business Failures in Years 2-5
Long-Term Recovery: Addressing Business Failures in Years 2-5
Bonnie Canal
 

What's hot (20)

Call of Duty: America's Workforce in Financial Stress
Call of Duty: America's Workforce in Financial StressCall of Duty: America's Workforce in Financial Stress
Call of Duty: America's Workforce in Financial Stress
 
CUSTOMER SERVICE
CUSTOMER SERVICECUSTOMER SERVICE
CUSTOMER SERVICE
 
FPA Annual Conference 2017 - Keynote Speech, Coach Phillip Fulmer
FPA Annual Conference 2017 - Keynote Speech, Coach Phillip FulmerFPA Annual Conference 2017 - Keynote Speech, Coach Phillip Fulmer
FPA Annual Conference 2017 - Keynote Speech, Coach Phillip Fulmer
 
Credit Cards
Credit CardsCredit Cards
Credit Cards
 
Workplace environment workplace_violence_ingredients_for_disaster
Workplace environment workplace_violence_ingredients_for_disasterWorkplace environment workplace_violence_ingredients_for_disaster
Workplace environment workplace_violence_ingredients_for_disaster
 
Moving from team’s dysfunction to high performance
Moving from team’s dysfunction to high performanceMoving from team’s dysfunction to high performance
Moving from team’s dysfunction to high performance
 
Self Respection Final
Self Respection FinalSelf Respection Final
Self Respection Final
 
Dr. Richard Wood - Stories of Hope: How Personal Accounts of Recovery can Inf...
Dr. Richard Wood - Stories of Hope: How Personal Accounts of Recovery can Inf...Dr. Richard Wood - Stories of Hope: How Personal Accounts of Recovery can Inf...
Dr. Richard Wood - Stories of Hope: How Personal Accounts of Recovery can Inf...
 
David Wortley - Gamification Is Not Funny!
David Wortley - Gamification Is Not Funny!David Wortley - Gamification Is Not Funny!
David Wortley - Gamification Is Not Funny!
 
6 Trends
6 Trends6 Trends
6 Trends
 
Resolving Workplace Conflict
Resolving Workplace ConflictResolving Workplace Conflict
Resolving Workplace Conflict
 
Customer experiance conference la
Customer experiance conference laCustomer experiance conference la
Customer experiance conference la
 
Decision making - keep emotion out of it
Decision making -  keep emotion out of itDecision making -  keep emotion out of it
Decision making - keep emotion out of it
 
7elements
7elements7elements
7elements
 
10 Reasons Managers Should Have Regular 1-on-1s
10 Reasons Managers Should Have Regular 1-on-1s10 Reasons Managers Should Have Regular 1-on-1s
10 Reasons Managers Should Have Regular 1-on-1s
 
PCMA Power Chapter - Annual Meeting Improvement
PCMA Power Chapter - Annual Meeting ImprovementPCMA Power Chapter - Annual Meeting Improvement
PCMA Power Chapter - Annual Meeting Improvement
 
Organizational Behavior and Psychological Contracts Presentation
Organizational Behavior and Psychological Contracts PresentationOrganizational Behavior and Psychological Contracts Presentation
Organizational Behavior and Psychological Contracts Presentation
 
Hidden Adversity: Employee Financial Problems and the Workplace
Hidden Adversity: Employee Financial Problems and the WorkplaceHidden Adversity: Employee Financial Problems and the Workplace
Hidden Adversity: Employee Financial Problems and the Workplace
 
The Science of Gratitude
The Science of Gratitude The Science of Gratitude
The Science of Gratitude
 
Long-Term Recovery: Addressing Business Failures in Years 2-5
Long-Term Recovery: Addressing Business Failures in Years 2-5Long-Term Recovery: Addressing Business Failures in Years 2-5
Long-Term Recovery: Addressing Business Failures in Years 2-5
 

Viewers also liked

MRS Members' Evening April 2016
MRS Members' Evening April 2016MRS Members' Evening April 2016
MRS Members' Evening April 2016
Michelle Denslow
 
Members evening - data protection
Members evening - data protectionMembers evening - data protection
Members evening - data protection
MRS
 
MRS Speaker Evening - Understanding the Chinese consumer in the 21st Century:
MRS Speaker Evening - Understanding the Chinese consumer in the 21st Century: MRS Speaker Evening - Understanding the Chinese consumer in the 21st Century:
MRS Speaker Evening - Understanding the Chinese consumer in the 21st Century:
Michelle Denslow
 
MRS Speaker Evening- Are millennials cashing out - youth sight
MRS Speaker Evening-  Are millennials cashing out - youth sightMRS Speaker Evening-  Are millennials cashing out - youth sight
MRS Speaker Evening- Are millennials cashing out - youth sight
Michelle Denslow
 
MRS Speaker Evening - Better Customer Communications with Behavioural Economics
MRS Speaker Evening - Better Customer Communications with Behavioural EconomicsMRS Speaker Evening - Better Customer Communications with Behavioural Economics
MRS Speaker Evening - Better Customer Communications with Behavioural Economics
Michelle Denslow
 
How to Become a Thought Leader in Your Niche
How to Become a Thought Leader in Your NicheHow to Become a Thought Leader in Your Niche
How to Become a Thought Leader in Your Niche
Leslie Samuel
 

Viewers also liked (6)

MRS Members' Evening April 2016
MRS Members' Evening April 2016MRS Members' Evening April 2016
MRS Members' Evening April 2016
 
Members evening - data protection
Members evening - data protectionMembers evening - data protection
Members evening - data protection
 
MRS Speaker Evening - Understanding the Chinese consumer in the 21st Century:
MRS Speaker Evening - Understanding the Chinese consumer in the 21st Century: MRS Speaker Evening - Understanding the Chinese consumer in the 21st Century:
MRS Speaker Evening - Understanding the Chinese consumer in the 21st Century:
 
MRS Speaker Evening- Are millennials cashing out - youth sight
MRS Speaker Evening-  Are millennials cashing out - youth sightMRS Speaker Evening-  Are millennials cashing out - youth sight
MRS Speaker Evening- Are millennials cashing out - youth sight
 
MRS Speaker Evening - Better Customer Communications with Behavioural Economics
MRS Speaker Evening - Better Customer Communications with Behavioural EconomicsMRS Speaker Evening - Better Customer Communications with Behavioural Economics
MRS Speaker Evening - Better Customer Communications with Behavioural Economics
 
How to Become a Thought Leader in Your Niche
How to Become a Thought Leader in Your NicheHow to Become a Thought Leader in Your Niche
How to Become a Thought Leader in Your Niche
 

Similar to Mrs members' Evening - March 2016

Modern society causes depression
Modern society causes depressionModern society causes depression
Modern society causes depression
Rasel Ahmed
 
Workplace Mental Health
Workplace Mental HealthWorkplace Mental Health
Workplace Mental Health
Ralph Hatem
 
Achieving your life goal
Achieving your life goalAchieving your life goal
Achieving your life goal
Mirza Yawar Baig
 
Achieving your Life Goal by Mirza Yawar Baig
Achieving your Life Goal by Mirza Yawar BaigAchieving your Life Goal by Mirza Yawar Baig
Achieving your Life Goal by Mirza Yawar Baig
Mirza Yawar Baig
 
White Paper: Financial Literacy for Employees - Understanding What Makes an E...
White Paper: Financial Literacy for Employees - Understanding What Makes an E...White Paper: Financial Literacy for Employees - Understanding What Makes an E...
White Paper: Financial Literacy for Employees - Understanding What Makes an E...
Frank Wiginton
 
John's Groundbreaking Conflict Resolution Training
John's Groundbreaking Conflict Resolution TrainingJohn's Groundbreaking Conflict Resolution Training
John's Groundbreaking Conflict Resolution Training
Employers Association of New Jersey
 
Training Module for Behavioral Health Mobilization
Training Module for Behavioral Health MobilizationTraining Module for Behavioral Health Mobilization
Training Module for Behavioral Health Mobilization
Multnomah County Health Dept.
 
People Management and Organisation Behaviour Dimensions of Management in the ...
People Management and Organisation Behaviour Dimensions of Management in the ...People Management and Organisation Behaviour Dimensions of Management in the ...
People Management and Organisation Behaviour Dimensions of Management in the ...
mirabelo
 
Chapter 7
Chapter 7Chapter 7
Chapter 7
WanBK Leo
 
The importance of early intervention for addiction and mental health.pptx
The importance of early intervention for addiction and mental health.pptxThe importance of early intervention for addiction and mental health.pptx
The importance of early intervention for addiction and mental health.pptx
Alexa jenifer
 
Employees Behaving Badly
Employees Behaving BadlyEmployees Behaving Badly
Employees Behaving Badly
Pivotal Integrated HR Solutions
 
Edinger - Building employee commitment
Edinger - Building employee commitmentEdinger - Building employee commitment
Edinger - Building employee commitment
HR Florida State Council, Inc.
 
Budget simple idea pitch
Budget simple idea pitchBudget simple idea pitch
Budget simple idea pitch
CDI Apps for Good
 
Stress February 2010
Stress February 2010Stress February 2010
Stress February 2010
Timothy Holden
 
The recession and nonprofits
The recession and nonprofitsThe recession and nonprofits
The recession and nonprofits
Robyn Sekula
 
Grief: Productivity In The Workplace
Grief: Productivity In The Workplace Grief: Productivity In The Workplace
Grief: Productivity In The Workplace
Sidney Gaskins
 
Lori Gervais - A Real Discussion about You and Your Money
Lori Gervais - A Real Discussion about You and Your MoneyLori Gervais - A Real Discussion about You and Your Money
Lori Gervais - A Real Discussion about You and Your Money
UW-Milwaukee School of Continuing Education
 
Stakehodler's Attention Deficit Disorder (SADD) Why Organizations Really Fai...
Stakehodler's Attention Deficit Disorder (SADD)  Why Organizations Really Fai...Stakehodler's Attention Deficit Disorder (SADD)  Why Organizations Really Fai...
Stakehodler's Attention Deficit Disorder (SADD) Why Organizations Really Fai...
pilpelon77
 
Stakehodler's Attention Deficit Disorder (SADD) Why Organizations Really Fai...
Stakehodler's Attention Deficit Disorder (SADD)  Why Organizations Really Fai...Stakehodler's Attention Deficit Disorder (SADD)  Why Organizations Really Fai...
Stakehodler's Attention Deficit Disorder (SADD) Why Organizations Really Fai...
pilpelon77
 
White Paper: Workplace Financial Education - The Benefits and Rewards of a Fi...
White Paper: Workplace Financial Education - The Benefits and Rewards of a Fi...White Paper: Workplace Financial Education - The Benefits and Rewards of a Fi...
White Paper: Workplace Financial Education - The Benefits and Rewards of a Fi...
Frank Wiginton
 

Similar to Mrs members' Evening - March 2016 (20)

Modern society causes depression
Modern society causes depressionModern society causes depression
Modern society causes depression
 
Workplace Mental Health
Workplace Mental HealthWorkplace Mental Health
Workplace Mental Health
 
Achieving your life goal
Achieving your life goalAchieving your life goal
Achieving your life goal
 
Achieving your Life Goal by Mirza Yawar Baig
Achieving your Life Goal by Mirza Yawar BaigAchieving your Life Goal by Mirza Yawar Baig
Achieving your Life Goal by Mirza Yawar Baig
 
White Paper: Financial Literacy for Employees - Understanding What Makes an E...
White Paper: Financial Literacy for Employees - Understanding What Makes an E...White Paper: Financial Literacy for Employees - Understanding What Makes an E...
White Paper: Financial Literacy for Employees - Understanding What Makes an E...
 
John's Groundbreaking Conflict Resolution Training
John's Groundbreaking Conflict Resolution TrainingJohn's Groundbreaking Conflict Resolution Training
John's Groundbreaking Conflict Resolution Training
 
Training Module for Behavioral Health Mobilization
Training Module for Behavioral Health MobilizationTraining Module for Behavioral Health Mobilization
Training Module for Behavioral Health Mobilization
 
People Management and Organisation Behaviour Dimensions of Management in the ...
People Management and Organisation Behaviour Dimensions of Management in the ...People Management and Organisation Behaviour Dimensions of Management in the ...
People Management and Organisation Behaviour Dimensions of Management in the ...
 
Chapter 7
Chapter 7Chapter 7
Chapter 7
 
The importance of early intervention for addiction and mental health.pptx
The importance of early intervention for addiction and mental health.pptxThe importance of early intervention for addiction and mental health.pptx
The importance of early intervention for addiction and mental health.pptx
 
Employees Behaving Badly
Employees Behaving BadlyEmployees Behaving Badly
Employees Behaving Badly
 
Edinger - Building employee commitment
Edinger - Building employee commitmentEdinger - Building employee commitment
Edinger - Building employee commitment
 
Budget simple idea pitch
Budget simple idea pitchBudget simple idea pitch
Budget simple idea pitch
 
Stress February 2010
Stress February 2010Stress February 2010
Stress February 2010
 
The recession and nonprofits
The recession and nonprofitsThe recession and nonprofits
The recession and nonprofits
 
Grief: Productivity In The Workplace
Grief: Productivity In The Workplace Grief: Productivity In The Workplace
Grief: Productivity In The Workplace
 
Lori Gervais - A Real Discussion about You and Your Money
Lori Gervais - A Real Discussion about You and Your MoneyLori Gervais - A Real Discussion about You and Your Money
Lori Gervais - A Real Discussion about You and Your Money
 
Stakehodler's Attention Deficit Disorder (SADD) Why Organizations Really Fai...
Stakehodler's Attention Deficit Disorder (SADD)  Why Organizations Really Fai...Stakehodler's Attention Deficit Disorder (SADD)  Why Organizations Really Fai...
Stakehodler's Attention Deficit Disorder (SADD) Why Organizations Really Fai...
 
Stakehodler's Attention Deficit Disorder (SADD) Why Organizations Really Fai...
Stakehodler's Attention Deficit Disorder (SADD)  Why Organizations Really Fai...Stakehodler's Attention Deficit Disorder (SADD)  Why Organizations Really Fai...
Stakehodler's Attention Deficit Disorder (SADD) Why Organizations Really Fai...
 
White Paper: Workplace Financial Education - The Benefits and Rewards of a Fi...
White Paper: Workplace Financial Education - The Benefits and Rewards of a Fi...White Paper: Workplace Financial Education - The Benefits and Rewards of a Fi...
White Paper: Workplace Financial Education - The Benefits and Rewards of a Fi...
 

Recently uploaded

Unveiling the Dynamic Personalities, Key Dates, and Horoscope Insights: Gemin...
Unveiling the Dynamic Personalities, Key Dates, and Horoscope Insights: Gemin...Unveiling the Dynamic Personalities, Key Dates, and Horoscope Insights: Gemin...
Unveiling the Dynamic Personalities, Key Dates, and Horoscope Insights: Gemin...
my Pandit
 
BeMetals Investor Presentation_June 1, 2024.pdf
BeMetals Investor Presentation_June 1, 2024.pdfBeMetals Investor Presentation_June 1, 2024.pdf
BeMetals Investor Presentation_June 1, 2024.pdf
DerekIwanaka1
 
Lundin Gold Corporate Presentation - June 2024
Lundin Gold Corporate Presentation - June 2024Lundin Gold Corporate Presentation - June 2024
Lundin Gold Corporate Presentation - June 2024
Adnet Communications
 
2022 Vintage Roman Numerals Men Rings
2022 Vintage Roman  Numerals  Men  Rings2022 Vintage Roman  Numerals  Men  Rings
2022 Vintage Roman Numerals Men Rings
aragme
 
Digital Transformation Frameworks: Driving Digital Excellence
Digital Transformation Frameworks: Driving Digital ExcellenceDigital Transformation Frameworks: Driving Digital Excellence
Digital Transformation Frameworks: Driving Digital Excellence
Operational Excellence Consulting
 
Authentically Social by Corey Perlman - EO Puerto Rico
Authentically Social by Corey Perlman - EO Puerto RicoAuthentically Social by Corey Perlman - EO Puerto Rico
Authentically Social by Corey Perlman - EO Puerto Rico
Corey Perlman, Social Media Speaker and Consultant
 
Anny Serafina Love - Letter of Recommendation by Kellen Harkins, MS.
Anny Serafina Love - Letter of Recommendation by Kellen Harkins, MS.Anny Serafina Love - Letter of Recommendation by Kellen Harkins, MS.
Anny Serafina Love - Letter of Recommendation by Kellen Harkins, MS.
AnnySerafinaLove
 
HOW TO START UP A COMPANY A STEP-BY-STEP GUIDE.pdf
HOW TO START UP A COMPANY A STEP-BY-STEP GUIDE.pdfHOW TO START UP A COMPANY A STEP-BY-STEP GUIDE.pdf
HOW TO START UP A COMPANY A STEP-BY-STEP GUIDE.pdf
46adnanshahzad
 
amptalk_RecruitingDeck_english_2024.06.05
amptalk_RecruitingDeck_english_2024.06.05amptalk_RecruitingDeck_english_2024.06.05
amptalk_RecruitingDeck_english_2024.06.05
marketing317746
 
Organizational Change Leadership Agile Tour Geneve 2024
Organizational Change Leadership Agile Tour Geneve 2024Organizational Change Leadership Agile Tour Geneve 2024
Organizational Change Leadership Agile Tour Geneve 2024
Kirill Klimov
 
3 Simple Steps To Buy Verified Payoneer Account In 2024
3 Simple Steps To Buy Verified Payoneer Account In 20243 Simple Steps To Buy Verified Payoneer Account In 2024
3 Simple Steps To Buy Verified Payoneer Account In 2024
SEOSMMEARTH
 
Best Forex Brokers Comparison in INDIA 2024
Best Forex Brokers Comparison in INDIA 2024Best Forex Brokers Comparison in INDIA 2024
Best Forex Brokers Comparison in INDIA 2024
Top Forex Brokers Review
 
Income Tax exemption for Start up : Section 80 IAC
Income Tax  exemption for Start up : Section 80 IACIncome Tax  exemption for Start up : Section 80 IAC
Income Tax exemption for Start up : Section 80 IAC
CA Dr. Prithvi Ranjan Parhi
 
Company Valuation webinar series - Tuesday, 4 June 2024
Company Valuation webinar series - Tuesday, 4 June 2024Company Valuation webinar series - Tuesday, 4 June 2024
Company Valuation webinar series - Tuesday, 4 June 2024
FelixPerez547899
 
Brian Fitzsimmons on the Business Strategy and Content Flywheel of Barstool S...
Brian Fitzsimmons on the Business Strategy and Content Flywheel of Barstool S...Brian Fitzsimmons on the Business Strategy and Content Flywheel of Barstool S...
Brian Fitzsimmons on the Business Strategy and Content Flywheel of Barstool S...
Neil Horowitz
 
How to Implement a Strategy: Transform Your Strategy with BSC Designer's Comp...
How to Implement a Strategy: Transform Your Strategy with BSC Designer's Comp...How to Implement a Strategy: Transform Your Strategy with BSC Designer's Comp...
How to Implement a Strategy: Transform Your Strategy with BSC Designer's Comp...
Aleksey Savkin
 
❼❷⓿❺❻❷❽❷❼❽ Dpboss Matka Result Satta Matka Guessing Satta Fix jodi Kalyan Fin...
❼❷⓿❺❻❷❽❷❼❽ Dpboss Matka Result Satta Matka Guessing Satta Fix jodi Kalyan Fin...❼❷⓿❺❻❷❽❷❼❽ Dpboss Matka Result Satta Matka Guessing Satta Fix jodi Kalyan Fin...
❼❷⓿❺❻❷❽❷❼❽ Dpboss Matka Result Satta Matka Guessing Satta Fix jodi Kalyan Fin...
❼❷⓿❺❻❷❽❷❼❽ Dpboss Kalyan Satta Matka Guessing Matka Result Main Bazar chart
 
Creative Web Design Company in Singapore
Creative Web Design Company in SingaporeCreative Web Design Company in Singapore
Creative Web Design Company in Singapore
techboxsqauremedia
 
Creative Web Design Company in Singapore
Creative Web Design Company in SingaporeCreative Web Design Company in Singapore
Creative Web Design Company in Singapore
techboxsqauremedia
 
The 10 Most Influential Leaders Guiding Corporate Evolution, 2024.pdf
The 10 Most Influential Leaders Guiding Corporate Evolution, 2024.pdfThe 10 Most Influential Leaders Guiding Corporate Evolution, 2024.pdf
The 10 Most Influential Leaders Guiding Corporate Evolution, 2024.pdf
thesiliconleaders
 

Recently uploaded (20)

Unveiling the Dynamic Personalities, Key Dates, and Horoscope Insights: Gemin...
Unveiling the Dynamic Personalities, Key Dates, and Horoscope Insights: Gemin...Unveiling the Dynamic Personalities, Key Dates, and Horoscope Insights: Gemin...
Unveiling the Dynamic Personalities, Key Dates, and Horoscope Insights: Gemin...
 
BeMetals Investor Presentation_June 1, 2024.pdf
BeMetals Investor Presentation_June 1, 2024.pdfBeMetals Investor Presentation_June 1, 2024.pdf
BeMetals Investor Presentation_June 1, 2024.pdf
 
Lundin Gold Corporate Presentation - June 2024
Lundin Gold Corporate Presentation - June 2024Lundin Gold Corporate Presentation - June 2024
Lundin Gold Corporate Presentation - June 2024
 
2022 Vintage Roman Numerals Men Rings
2022 Vintage Roman  Numerals  Men  Rings2022 Vintage Roman  Numerals  Men  Rings
2022 Vintage Roman Numerals Men Rings
 
Digital Transformation Frameworks: Driving Digital Excellence
Digital Transformation Frameworks: Driving Digital ExcellenceDigital Transformation Frameworks: Driving Digital Excellence
Digital Transformation Frameworks: Driving Digital Excellence
 
Authentically Social by Corey Perlman - EO Puerto Rico
Authentically Social by Corey Perlman - EO Puerto RicoAuthentically Social by Corey Perlman - EO Puerto Rico
Authentically Social by Corey Perlman - EO Puerto Rico
 
Anny Serafina Love - Letter of Recommendation by Kellen Harkins, MS.
Anny Serafina Love - Letter of Recommendation by Kellen Harkins, MS.Anny Serafina Love - Letter of Recommendation by Kellen Harkins, MS.
Anny Serafina Love - Letter of Recommendation by Kellen Harkins, MS.
 
HOW TO START UP A COMPANY A STEP-BY-STEP GUIDE.pdf
HOW TO START UP A COMPANY A STEP-BY-STEP GUIDE.pdfHOW TO START UP A COMPANY A STEP-BY-STEP GUIDE.pdf
HOW TO START UP A COMPANY A STEP-BY-STEP GUIDE.pdf
 
amptalk_RecruitingDeck_english_2024.06.05
amptalk_RecruitingDeck_english_2024.06.05amptalk_RecruitingDeck_english_2024.06.05
amptalk_RecruitingDeck_english_2024.06.05
 
Organizational Change Leadership Agile Tour Geneve 2024
Organizational Change Leadership Agile Tour Geneve 2024Organizational Change Leadership Agile Tour Geneve 2024
Organizational Change Leadership Agile Tour Geneve 2024
 
3 Simple Steps To Buy Verified Payoneer Account In 2024
3 Simple Steps To Buy Verified Payoneer Account In 20243 Simple Steps To Buy Verified Payoneer Account In 2024
3 Simple Steps To Buy Verified Payoneer Account In 2024
 
Best Forex Brokers Comparison in INDIA 2024
Best Forex Brokers Comparison in INDIA 2024Best Forex Brokers Comparison in INDIA 2024
Best Forex Brokers Comparison in INDIA 2024
 
Income Tax exemption for Start up : Section 80 IAC
Income Tax  exemption for Start up : Section 80 IACIncome Tax  exemption for Start up : Section 80 IAC
Income Tax exemption for Start up : Section 80 IAC
 
Company Valuation webinar series - Tuesday, 4 June 2024
Company Valuation webinar series - Tuesday, 4 June 2024Company Valuation webinar series - Tuesday, 4 June 2024
Company Valuation webinar series - Tuesday, 4 June 2024
 
Brian Fitzsimmons on the Business Strategy and Content Flywheel of Barstool S...
Brian Fitzsimmons on the Business Strategy and Content Flywheel of Barstool S...Brian Fitzsimmons on the Business Strategy and Content Flywheel of Barstool S...
Brian Fitzsimmons on the Business Strategy and Content Flywheel of Barstool S...
 
How to Implement a Strategy: Transform Your Strategy with BSC Designer's Comp...
How to Implement a Strategy: Transform Your Strategy with BSC Designer's Comp...How to Implement a Strategy: Transform Your Strategy with BSC Designer's Comp...
How to Implement a Strategy: Transform Your Strategy with BSC Designer's Comp...
 
❼❷⓿❺❻❷❽❷❼❽ Dpboss Matka Result Satta Matka Guessing Satta Fix jodi Kalyan Fin...
❼❷⓿❺❻❷❽❷❼❽ Dpboss Matka Result Satta Matka Guessing Satta Fix jodi Kalyan Fin...❼❷⓿❺❻❷❽❷❼❽ Dpboss Matka Result Satta Matka Guessing Satta Fix jodi Kalyan Fin...
❼❷⓿❺❻❷❽❷❼❽ Dpboss Matka Result Satta Matka Guessing Satta Fix jodi Kalyan Fin...
 
Creative Web Design Company in Singapore
Creative Web Design Company in SingaporeCreative Web Design Company in Singapore
Creative Web Design Company in Singapore
 
Creative Web Design Company in Singapore
Creative Web Design Company in SingaporeCreative Web Design Company in Singapore
Creative Web Design Company in Singapore
 
The 10 Most Influential Leaders Guiding Corporate Evolution, 2024.pdf
The 10 Most Influential Leaders Guiding Corporate Evolution, 2024.pdfThe 10 Most Influential Leaders Guiding Corporate Evolution, 2024.pdf
The 10 Most Influential Leaders Guiding Corporate Evolution, 2024.pdf
 

Mrs members' Evening - March 2016

Editor's Notes

  1. Lindsey I’m Lindsay. I’ve been with my partner Trevor for over 10 years and we live together in a 2 bedroom home in Manchester. We’d never had any problems money-wise and always prided ourselves on being careful with our money. We shared responsibility for everything: our mortgage repayments, the bills and we were never once late with our payments All of that changed 2 years ago when I noticed a lump on my breast. I went straight to the doctor as a precaution but I didn’t think it would be serious, surely I was too young for this sort of thing to happen to me But I was wrong. I was told I had breast cancer and that they needed an operation. Fast. Within a week I was in hospital, my world up in the air, my partner in tears at the thought of losing me It was such a horrible time. I felt so scared. I panicked every waking minute and had no one to talk to. To begin with, all I worried about was my health but then it began to spiral into other things too. I knew I’d have to stop working and that without my money coming as a senior manager in a logistics firm we wouldn’t be able to pay our mortgage. I didn’t know what to do I shut myself off from my hubby Trevor because he already looked a wreck and I didn’t want to be another burden for him So tell me Simon what happened in your case? Simon I’m Simon. Married with 3 kids and 2 dogs. I used to work at the local airport as a security manager. I was really dedicated to my job, I’d work overtime, I’d give up my free time to help them out at the airport out. I even left our anniversary dinner early to rush to the airport for an emergency shift Then what do they do? They threw it back in my face. Re-structuring they called it. My foot!!! In November last year, they made me redundant. With no money coming in and a family to support, I didn’t know what to do and I just went off the rails now that I think about it. I couldn’t think straight. I couldn’t even get myself out of bed on some days. I started putting money on credit cards to make ends meet but soon I couldn’t pay them off