Bartonfly88,
Two decades, thousands of hours, many qualifications, and a life now in which I fly a fascinating variety of aircraft (heavy and light, jet and piston) in an exceedingly rare job, give me the freedom (and audacity) to reply to your original post as follows:
I fear you are another trainee prostitute. Trainee prostitutes have driven the profession to its present lacklustre position.
Please accept the advice earlier on, to go and train for a proper career (outside aviation), rather than starting so soon to demean yourself by entering into the 'I'm a first officer because I had money, and a minimum of ability' world.
Certainly, please don't dare end up one of those sad 'hour-building' instructors who blight the UK skies with their dismal ability, minimal interest, and dubious motivation. And I'd rather, as a professional pilot, that people simply didn't apply for jobs involving bonds, training costs to be paid, reduced terms and conditions in comparison to those already employed, etc.
In fact, Bartonfly, I think accountancy might be just your calling.