I canty afford Rent or my travel expenses

JAYMARSH2005 · 28 December 2006 at 1:24PM

I have been working for around 5 years and have debts of £12,000, but my main problem is my parents have moved away in the past 3 months and I am now renting accomodation. Due to this I have been borrowing money for Travel to work and rent and food and now cannot afford my rent and travel to work. This means I am now going to lose my job. Is there any help I can get finaincialy to pay my travel expenses and rent until I am back on my feet or does it look like I am going to have to give up work and lose my home ?

Timmne · 28 December 2006 at 1:33PM

How much is your rent/travel? Is there any way these can be reduced, such as season tickets for travel or renting a room in a house?

JAYMARSH2005 · 28 December 2006 at 1:39PM

My Rent is £250 (which is for a room in a house) per month and Travel is £40 per week as I cant drive and have to travel my train, the main problem is I return to work on the 2nd of Jan and have no money whatsoever to pay for a ticket, I have applied for loans everywhere but due to my past problems with debt I am unable to get one, if I cant get to work then I will be sacked and then cant afford rent food or anything and am now feeling there is no way out and am getting more depressed (which I have suffered with in the past)

Kevicho · 28 December 2006 at 1:45PM

Hi Jay,

First things first, dont you have any family or friends you can borrow from?
Any items you can sell to get some cash in quickly.

Also may be worth seeing the bank about an emergency overdraft as if you lose your job then they will have less chance of getting there money back.

I would seriously reconsider your situation as well.
40 quid a week for travel is very expensive? Cant you find work nearer or even move closer to work?

Other things to consider is posting an SOA so we can help you get out of the situation you are in.

Also dont let it get you down, keep positive, easy to say, but i have transformed my life by changing my outlook and being more positive.

Good luck, keep us informed

Kev

coxj2901 · 28 December 2006 at 1:47PM

Have you rang work to explain your situation to them? They may be able to either contribute towards your travel arrangements or possibly advance you some of your next months wages?

Also, do you know anybody you could share a lift to work with? You could pay towards there petrol bill?

Rgds, John

Tustastic · 28 December 2006 at 1:48PM

JAYMARSH2005 wrote:

My Rent is £250 (which is for a room in a house) per month and Travel is £40 per week as I cant drive and have to travel my train, the main problem is I return to work on the 2nd of Jan and have no money whatsoever to pay for a ticket, I have applied for loans everywhere but due to my past problems with debt I am unable to get one, if I cant get to work then I will be sacked and then cant afford rent food or anything and am now feeling there is no way out and am getting more depressed (which I have suffered with in the past)

Sounds like you need a gift of the train fare to work next Tuesday, so you can go to work, explain your problem and find out whether you can have an advance of pay to get your £40 train ticket. But if you already have no money for the whole of January to pay your food and rent etc, you are in significant difficulties. Others know much more about benefits and debts than me, but sounds like you need to make an appointment at the Citizens Advice Bureau urgently. Good luck and hope 2007 is the year you start on your debt-free journey.:)

lynzpower · 28 December 2006 at 1:49PM

hi there

I agree with Kev. Your best bet is to stick a SOA up for us to have a look at.

After this, what have you got in your cupbaords? List it up on the old style board and theyll see if theres any way you can eke out the food till you get paid.

Once youve done your statement of affairs things will look a bit brighter, Im sure we will be able to help

Hang in there
lynz

JAYMARSH2005 · 28 December 2006 at 2:00PM

Income £900 per month
Rent = £250 per mont
Travel Expenses = 160 per month
Debt Repayments sorted with Citizens advice = £103 per month
I took out a pounds till payday loan (£300) which when I didnt have enough funds in my bank to pay back which has left me £180 overdrawn, I have not got an overdraft on my account (Natwest step Account)
I already owe my boss £160 as he has helped me the past 3 months

Kevicho · 28 December 2006 at 2:01PM

Just anopther thought, would it be possible to work from home?

All you need knowadays is a phoneline

if you were to move your monthly rent budget would be around 350 a nmonth, !!! you will be saving 160 quid, you could prob find somewhere nicer and all to yourself for that

Kevicho · 28 December 2006 at 2:03PM

JAYMARSH2005 wrote:

Income £900 per month
Travel Expenses = 160 per month
[/QUOTE}

To me this doesnt work, you should be getting much higher pay, too much of your income is going on travel, id seriously ask for a payrise, to compesate for this

JAYMARSH2005 · 28 December 2006 at 2:05PM

regarding a emergency overdraft what amount would I be able to get as my account is already £180 overdrawn which is un-authorised as this seems to be the only way I can get out of this situation ?

I canty afford Rent or my travel expenses

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