The Law of Sod

alastairq

regarding insurances?

One insurance system often overlooked is via a Union at work.

Union membership in these uncertain job times is pretty much essential, to allow the individual to protect themselves against the knee-jerk management [performance-related] actions.

Unions also have cheap insurance schemes, as well as often running credit-union savings schemes....

BaldEagle

OK, well the last job "offer" wasn't as much of an offer as I thought. It seems that my understanding of "we'd like to have you on board" and theirs was somewhat different...

Anyway, I have a second interview for a different job on Tuesday so am back to run the new figures past my most learned friends on the MSE board

Statement of Affairs and Personal Balance Sheet

Household Information
Number of adults in household........... 1
Number of children in household......... 0
Number of cars owned.................... 0

Monthly Income Details
Monthly income after tax................ 1565
Partners monthly income after tax....... 0
Benefits................................ 0
Other income............................ 0
Total monthly income.................... 1565

Monthly Expense Details
Mortgage................................ 0
Secured/HP loan repayments.............. 0
Rent.................................... 788
Management charge (leasehold property).. 0
Council tax............................. 79
Electricity............................. 29
Gas..................................... 33
Oil..................................... 0
Water rates............................. 31
Telephone (land line)................... 20
Mobile phone............................ 27
TV Licence.............................. 12
Satellite/Cable TV...................... 0
Internet Services....................... 15
Groceries etc. ......................... 200
Clothing................................ 60
Petrol/diesel........................... 0
Road tax................................ 0
Car Insurance........................... 0
Car maintenance (including MOT)......... 0
Car parking............................. 0
Other travel............................ 194
Childcare/nursery....................... 0
Other child related expenses............ 0
Medical (prescriptions, dentist etc).... 15
Pet insurance/vet bills................. 0
Buildings insurance..................... 0
Contents insurance...................... 24
Life assurance ......................... 0
Other insurance......................... 0
Presents (birthday, christmas etc)...... 0
Haircuts................................ 0
Entertainment........................... 0
Holiday................................. 20
Emergency fund.......................... 10
Total monthly expenses.................. 1557

Monthly Budget Summary
Total monthly income.................... 1,565
Expenses (including HP & secured debts). 1,557
Amount left after debt repayments....... 8

Created using the SOA calculator at www.makesenseofcards.com.
Reproduced on Moneysavingexpert with permission, using Firefox browser.


Travel: High but required. It's a zone 1-6 travelcard for the London Underground.
Mobile & Internet: Part of the job will require both although, at this stage, I don't know if the business part will be claimable on X's.

Any thoughts?

BaldEagle

Just a wee bump before my interview tomorrow. Anyone got any feedback?

capeverde

If you got the job, couldnt you simply ask them to pay you less for the remainder of your bankruptcy. I know as an employer I wouldnt turn you down. Start you off on the same salary as you are on now before upping it on your release.