The ne is optional is spoken French. You might as well drop le or both:
Ma situation financière est pire que je ne pensais.
Ma situation financière est pire que je pensais.
The feminine is not used, at least in modern French. The pronoun le refers to the whole phrase because the sentence does not say penser la situation pire but penser que la situation est pire.
However, you would say, speaking of the situation:
Je la pensais pire.
Leave a comment