advice - got a job and don't get paid till next month bills to pay

zoominov

Hey all im in a bit of a pickle i started a new job today i need to pay my credit card bill of 30.71 i wanted to deposit £30 to pay my credit card bill but my account is overdrawn now because my mobile phone provider took out my bill of £35.46p and now i can't pay my bill however i have around 25 days left to pay my bill i started my new job today and don't get paid till the 15th of october i wanted to pay my credit card bill so could use the £30 till 15th october then pay £100 of my credit card bill any way of how i can raise some cash and survive on a overdraft without going further into the overdraft..

And to add salt to the wound i've got to pay £23 on the 27th for my overdraft fee

I need help...

I am £1,506 overdrawn on my graduate account and £600 on my credit card

Hannah_10

Ok, this is so important that I am gonna say it in bold... Whatever you do don't get a payday loan.

What've you got that you can sell? Can you sign up to do a bit of mystery shopping? How about asking the boss for a £100 sub to see you through? Bank of Mum, Dad, Nan, Gramps, Aunty, Uncle, sister or brother? Cycle or walk to work, or get lifts to save petrol/train fares? Babysit someones kids/ walk someones dog/ wash someones car for cash? Get a paper-round? Have a go at reclaiming some bank charges? Cor blimey the list is huge... How do you feel about the above so far?

zoominov

Hannah_10 wrote: »

Ok, this is so important that I am gonna say it in bold... Whatever you do don't get a payday loan.

What've you got that you can sell? Can you sign up to do a bit of mystery shopping? How about asking the boss for a £100 sub to see you through? Bank of Mum, Dad, Nan, Gramps, Aunty, Uncle, sister or brother? Cycle or walk to work, or get lifts to save petrol/train fares? Babysit someones kids/ walk someones dog/ wash someones car for cash? Get a paper-round? Have a go at reclaiming some bank charges? Cor blimey the list is huge... How do you feel about the above so far?

Yea i heard about those horrendous payday loans...thanks for telling me anyway..

Its only £1 to and from work so ill save a fiver that doesn't help...

Yea i've heard about mystery shoppers thing is that i work during the weekday can you do it on weekend and evenings if u can i can do that..

Im living with my parents now for free so i can't ask for money and im the only child i can ask my cousins but im ashamed to ask..:mad:

I just started my new job i can't ask for a advance the list above is ok i just need around £60-75 and will keep me ticking till 15th of october tomorrow i will look around for things to sell..

ALSO DO THE JOB CENTRE GIVE LIKE A GRANT OR A BURSURY TO HELP AFTER YOU FOUND WORK..TO HELP YOU TICKING OVER TILL YOU GET PAID..?

Hannah_10

Ooh the jobcentre, that's a good one, dunno, but I think they might. I think it might be called a bridging loan. Can't hurt to ask can it, especially not as they are interest free.

HappyMJ

zoominov wrote: »

ALSO DO THE JOB CENTRE GIVE LIKE A GRANT OR A BURSURY TO HELP AFTER YOU FOUND WORK..TO HELP YOU TICKING OVER TILL YOU GET PAID..?

Only if you have been claiming for longer than 6 months then you'll automatically get a job grant.

Dellers

Since you just got a new job could you ask mom and dad for tie you over. Surely they would understand.

Jules

You may be entitled to a Crisis Loan. This is an interest free loan from the Social Fund, so if you don't qualify for a Job grant this may help.
here's a link with info regarding the job grant:
http://www.direct.gov.uk/en/MoneyTaxAndBenefits/BenefitsTaxCreditsAndOtherSupport/Employedorlookingforwork/DG_10018789

And don't be afraid to ask your parents.

determined_new_ms

above advice is sound. If it were me I'd swallow my pride and ask my parents or sousins for a loan, after all you're only asking to borrow a modest amount, its not worth getting charges for such a small amount otherwise that amount will double. Other than that I'd contact the ppl I owed money to & ask them to extend the payment dates.

Good luck in ur new job! x

chesky369

Families are what you go to when you're in trouble! They will enjoy a good moan and lecture you but, if they can help, they will.

Hippychick

Can you do a car boot sale tomorrow?