by Sofia S. 09 Aug, 2017

Today, 9th of August 2017, marks ten years since the beginning of the financial crisis which had devastating effects in the life of thousands and thousands of people around the world and filled the pockets (even more) of a few privileged people.

Back in 2007 I was about to become a freshman at University as classes were about to start in a few weeks’ time. I was 23 years old, determined to give my absolute best, focused and motivated.

I went to University a bit later than most people do but life happened that way for me and that’s fine. What matters is that despite all the adversity, I went and I graduated.

In July 2007 I was partying hard in Ibiza with three of my friends and we had the best time together. Memories I will cherish forever. 

However, I don’t recall having heard anything about a financial crisis, all I knew was something about a Wall Street crash back in 1920-something and obviously, that subject was completely outside of my radar. Investments? Banks? Nah. Not a subject for me. It wasn't until Lehman Brothers collapsed that I remember the general panic and that things really started to look bad. Or maybe I was just not paying attention before.

I completed High School with a Diploma in Pottery and Ceramics. At University, studied Marketing, Advertising and PR because at 23 years old I finally decided I wanted to be a copywriter.

I wanted to be the person that writes ads and creates content; I wanted to surrender myself to my artistic vein, to allow for my creativity to fully blossom and develop. I had come to the conclusion that my path was an artistic one and it was time to embrace my future. I had it all figured out. Even when I got pregnant with my daughter during the second semester at Uni, I carried on.

I took a gap year (school year of 2008/2009) because birth was scheduled for December so I couldn’t attend the January exams relating to courses beginning in September. It was the wise thing to do.

When I returned to Uni for my second year (2009/2010) my motivation was stronger than ever. I now had the cutest tiny little human who would be looking up to me and to everything I’d do, she depended on me and it was my duty to ensure all her needs were taken care of. I started to do everything with her in mind and solely having her best interests at heart. And that’s when things changed.

Things were not good at home and that’s as far as I will go in relation to exposing that part of my life. The only thing I’ll say is this: the worst things got, the stronger my motivation to succeed would get.

As part of my course, I needed to attend a Business class. It was only one semester but that Professor gave us two separate classes so in some ways they were linked. For the sake of simplicity, let’s say I had two business classes the same semester.

A few lessons into the class and I felt like I had seen God. What on Earth had I been doing studying arts all my life because that was so not the right path for me.

I landed a job at a Bank shortly after that and from there on, I became determined to learn as much as I could on my own because switching courses to Business or Economics was not an option. I didn’t had the funds and didn’t want to feel like I’ve wasted two years of my life. Especially when I had to take into consideration that I went to Uni later than usual.

I did countless online courses on platforms like Coursera and some of them were so daunting and full of jargon – not to mention the fact they were all in English – so I actually had to repeat a few of them until I could grasp what they were on about.

I started reading the Financial Times so I could understand what was happening in the financial world. I took advantage of a few colleagues that were much more knowledgeable than me to ask questions and learn from them. I became an avid reader of a Portuguese Business newspaper and slowly things started to fall into place and words I had no idea what they meant before, I now recognized and understand them.

I did all of this while looking after a new born, whilst working and whilst attending University. Talk about will power. Looking back, I have no idea where I got the strength from but I did it nonetheless.

I have been working in this industry for nearly 10 years now. I have seen people come and people go. I am blessed to be able to work in an industry that I genuinely love. There is not a single day that goes like the previous one. Everything changes at an incredible pace and if you stop, you become obsolete.

Ten years on since the beginning of the financial crisis, have we learned anything?

I hope so. I see firms committed to give the example from the top; there is more regulation; there is more awareness.

Do I believe that it will happen again? Unfortunately yes but maybe not as the ones we’ve seen before. The financial services industry business is the money business and the goal is to make even more money using someone else’s money. It’s called an “investment” and it can go right or wrong. You risk what you can afford to lose.

The problem with that statement is that the majority of people that cannot afford to lose are usually the ones that end up losing everything even though they have never placed a penny in an investment.

It starts with a family member losing its job. Then, one bill gets left behind, then another and by the time you realise you’re receiving a letter from the Bank saying you’re facing your home is being repossessed.

It’s scary to witness how the financial crisis has long been forgotten by the industry and yet it’s the complete opposite for consumers. People  that ten years on, on a daily basis still worry about a new potential crash and what effect will it have – again – on their families and how will they cope.

It’s a cruel business the money business so I guess it’s totally legitimate for people to ask me why am I in it? How can I associate myself with such practices? The answer is simple. I genuinely believe I can make a difference. No matter how small. I believe in fairness and in righteousness. I believe in doing the right thing so I don’t mind being associated with such industry because if more of us believe in the same thing as me, maybe one day, thinking about a financial crisis where people are left to starve and homeless for no fault of their own will sound surreal and impossible.  

Thankfully, I know I'm not alone in this. I have met so many great people, so many professionals that are a tribute to this industry and profession.

I act in a way I know I will never have to bow my head in shame and in a way that it won’t disappoint my family and have their values judged by others due to my actions. I will never act in a way that will make Diana ashamed of being my daughter. I will always do what my heart tells me is the right thing to do. 

One can dream and, so far, all my dreams have come true.

Like I said. Motivation.


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  • by Sofia S.
  • 07 Oct, 2016
It’s that time of the year again...
Leafs start to turn into all shades of vibrant brown, red, and yellow and slowly start to fall. Leafs get crunchy as you walk past them, the air is fresh, the sun is out and you gradually start to take your winter clothes out of the closet. 

Who cares if the calendar says that Autumn doesn’t start until the 22nd of September?
You can feel it in the air. It’s Autumn alright. One the most beautiful seasons of the year. There’s just something special about Autumn and maybe that’s because the part that everyone loves about it doesn’t last long.

We cherish it more due to its short lived beauty.

This Summer was particularly different from the other 3 I have experienced whilst in the UK as it lasted longer and it was also more periods of hot weather.

On my first entry blog I described my experience since landing in the UK for the first time and how different the temperature felt. It was August and I was wearing my winter Zara coat whilst everyone was wearing t-shirts and looking at me like I was some sort of weirdo.

I remember being beginning of October 2013 when I had a panic attack over the cold I felt. It wasn’t freezing but my body wasn’t used to the type of cold I felt and the type of cold I was feeling so it entered something I like to call “safety/panic mode”. 
This happened during a 5 minute walk from the bus stop to my house. I never experienced anything quite like that before. All of me was freezing and as soon as I walked in my housemate pushed me against the radiator, placed blankets on top of me and then asking me “It’s only October mate, how are you going to survive Winter?”.

I had no idea.  I went on to have a hot shower as my body was struggling to cope and I was unable to warm myself up.

Summer in Portugal is dry. In England is moist. Almost tropical, hence, after a few days of heat, the inevitable storm follows. It’s disgusting. You’re always sticky and feeling gross.
The Winter in Portugal is also dry, you can feel the cold reach your bones. In England is something that after 3 years I still can’t exactly describe. I couldn’t feel my hands, it was horrible.

I was given a great piece of advice back then: always wear a hat or carry a hat on your bag. Apparently our body loses heat from the top of our head first and by using a hat, the chances of keeping yourself in the right body temperature increases massively and end up feeling less cold as well. It actually works. I am now the proud owner of a few wool hats which I use on a daily basis like a fashion accessory.

Like shoes. You can never just have one pair or two. Simply doesn’t work that way.

I have to admit that I have been resisting to the best of my abilities to turn the heating on. I think I did amazingly well this year as it was only last night that I turned it on for the first time since the beginning of Summer.
My boyfriend was out and I was on my own cuddled up in my blanket re-watching Gilmore Girls on Netflix . I am a huge fan of Gilmore Girls and in case you are to, be prepared for a new season coming up soon!

But back to the subject: I was eating a proper Autumnal soup which I’ve made myself: Sweet potato with rosemary. Delicious, nutritious and definitely fits well in the season.
I felt extremely comfy and happy. For nothing in particular, it’s the magical aspect of the season. You are relaxed and feel comfortable and there’s this warmth in your heart for no reason at all. You are happy just because you are happy.

Autumn is also the time where you feel like you want a duvet day. Spend the day in bed watching movies with a nice cup of tea and some chocolate but at the same time you also want to put your wellies on, your wool hat and go for a nice walk in the park and appreciate the beauty of the season. 

Autumn is great. It’s like in-between nostalgic moment, where you are transitioning from Summer to Christmas and it’s amazing.

You remember your happy childhood moments and you are in a safe moment in your mind. I remember when I was still in kindergarten and used to take a blue blanket with me every day. I would walk around on my own with my blanket enjoying the colors of the leafs in a little bush they had there. It was by a river and an abandoned house which we used to say it was hunted and where only a witch lived in. Perfect scenario for Halloween right? Thankfully, I would go home at the end of the day as I am sure that I wouldn't find it as beautiful during the evening!

I also remember that I had a vintage poster in my bedroom of a little girl with a see-through umbrella posing outside during Autumn. I believe it to be one of many famous photos by photographer Kim Anderson as it fits perfectly in his work but can't say for sure.

And walks in the park when my nana used to do cross-country running and take me with her. Finally, a painting at my grandparents house... My grandparents have an original oil painting in their living room of a forest during Autumn with a golden vintage frame. It's a beautiful painting that captures the true essence and colors of the season. You can get lost in the details. It's huge and takes pretty much most of the wall. It's not painted by anyone famous, probably worth close to nothing but I have always been in love with that painting.

Take a deep breath and smile. Aaahhhh Autumn... Welcome back my friend.

Duvet days and walks in the park. Gert lush. Can’t get more Bristolian nor perfect than that :)
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