Starting new job

MrGreen44

Will be starting a new job next week....

JSA stopped paying contributions based money about a week ago, had to put in a new claim.

Got £56 last payment nothing since.

Am overdrawn at my bank due to bills coming out at the start of the month.

Not sure how to budget for the weeks ahead as I still need fuel and food....

Any advice would be grateful

Kev

sweetilemon

Congratulations! Just keep in mind the financial difficulties will be short lived if you plan well. If i were you i would write down all expenses until payday, keeping outgoings you can control like food to a minimum(obviously enough to get you by). Have you got a credit card you can put some expenses on like food and petrol, that'll give you a while before you need to repay. Then work out your take home pay, how much you'll have to keep back for that months outgoings + cc payments and overdraft payments. goodluck.

MrGreen44

I am going to be paid weekly as its agency, going to do budget as you suggest.

Thanks

Kev

Ilona

Well done on your new job Mr Green. Have you told your bank that you will need a few days to get your money sorted out as there will be a gap, I assume you will work a week in hand. Are they ok with you going overdrawn? Always kep them informed, tell them you have a job and you will be getting paid.

Sit down with pen and paper, and write down on one side of the page all the bills you are expecting in and the dates. Do you have standing orders at the bank, can you check your last statement to see what was paid and to who. Are there any payments that you can cancel, think again if you really need to pay all of them.

Look at your food cupboard, have you got enough in to carry you over for a week or two? Can you use up tinned and dried food which may be lurking at the back of the cupboard. Only buy what you absolutely need, at the cheapest price possible.

Do you need to pay for transport to work? Petrol for the car, bus fares, put these down as costs as well. Can you bike into work?

Look at every way you can to cut down on your living expenses, it will only be temporary till you get a few weeks wages in. Stop having takeaways and going to the pub.

That's all I can think about, I hope you enjoy your job, look after it, and it will look after you. Sorry if I sound like your mother, but a lot of it is common sense and not burying your head in the sand.
Ilona

techra

Hi there

Congratulations on getting a job, it does seem with the weather has come new optimism. You should get a back to work bonus you could ask about it at the job centre and they would be able to help. Also I believe that depending on how long you have been out of work there are some benefits that continue until you get your first pay cheque. It is worth giving them a call to ask about 'help' to get you back intow work so you can concentrate on your new opportunity and not on the bills.

Susan