Advice for young adult about consolidating debts please!

hollydoll

dreamdreamer wrote: »

Why is your wage so low? You say you're working full time but a minimum wage (£5.93) job takes home £852 at 37hrs a week, same question goes for your partner (although I grant he may be under 21 so getting a lower wage).

At minimum wage taking home £620 you're working 24hrs a week max, any chance of another/evening job or extending your hours? In my experience, boosting income is always less painful than cutting costs if you can find the work! Even working longer shifts on less days, ie. 2 x 12 hour days instead of 5 x 5hr days would help as it'd cut your commuting costs.

I work 3x9hour days and 1x6 because it's a sunday. I have to work these days. Depends what you count as full time, im contracted to 24 but am working 30/32 hours. I get paid that because like most other people I pay tax. I work from 12 to save on peak travelling costs which means i dont get home until half 10. I have been applying to pubs for evening work on my days off but nobody around here has vacancies and it has to be around here because of late night travel to the area.
He's not under 21 he works in a kitchen and travels as much as i do.
We don't necessarily want to move towards work because they're not our long standing jobs that we want to do forever amongst other things but living here is where we have settled and want to stay. so fingers crossed for the waitressing job down the road!!
but to be honest cutting back on everything i have already cut back on wasn't the original question in this post.
I was wondering if there was any bad credit loans about so that i can manage the timing of my outgoings a bit better, so theres one outgoing for all the bad stuff rather than loads and it not timing well with my payday.

As for moving (again, we only moved here march) we are in a contract with rent and i don't think trying to get out of another contracts a good idea.

Income is allegedly too high for any benefits because they dont actually care about outgoings.

naomi123

You need to be working full time.
It is not worth your while doing a commute like you are for a job that pays so little- you need to find a full time job closer to home. At least 5 days a week!

hollydoll

naomi123 wrote: »

You need to be working full time.
It is not worth your while doing a commute like you are for a job that pays so little- you need to find a full time job closer to home. At least 5 days a week!

Yeah this waitressing job i have gone for is 36 hours a week over 4 days. Which is perfect with it's location and everything! Long days but I have done it before.

hollydoll

Tabatha_Kitten wrote: »

You work in the Trafford Centre.
There's an Asda across the road.
As the saying goes, "where theres a will there's a way"

My aim is to not work at trafford centre, its an hour and a half away. If i got to that asda and not work there i can get there for £5.80 with the day ranger ticket.There will be one closer but i will have to look at the cost of getting there vs what im paying now. I use the 2 weekly lenses because the best dailies messed my eyes up, so as im on 2 weeklies which are brilliant but its a constant lens calendar rather than just taking a pair out on whichever day i choose.
I will check out their prices on the two weeklies with asda.

naomi123

hollydoll wrote: »

Yeah this waitressing job i have gone for is 36 hours a week over 4 days. Which is perfect with it's location and everything! Long days but I have done it before.

Great. What other jobs have you applied for in case you dont get it?

hollydoll

hollydoll wrote: »

My aim is to not work at trafford centre, its an hour and a half away. If i got to that asda and not work there i can get there for £5.80 with the day ranger ticket.There will be one closer but i will have to look at the cost of getting there vs what im paying now. I use the 2 weekly lenses because the best dailies messed my eyes up, so as im on 2 weeklies which are brilliant but its a constant lens calendar rather than just taking a pair out on whichever day i choose.
I will check out their prices on the two weeklies with asda.

Found one in ashton, it should work out cheaper! it just means i will have to bulk pay unfortunately rather than spread over the year. Which doesn't help the immediate situation but it does long term.

hollydoll

naomi123 wrote: »

Great. What other jobs have you applied for in case you dont get it?

another waitressing one, sky, claires, new look, lush, travel money. Keeping my eye on ikea! to be honest i have also lost track of a lot of applications! I was doing avon and ann summers party planning too but I can't keep up with it since moving here. It earnt me money but I have no spare minute to sort anything out! Maybe in the future again as i was doing so well.

dreamdreamer

Sounds like the financial difficulties may be relieved shortly then if a longer hours/closer job pops up. It's just paddling through those months!

I work 3x9hour days and 1x6 because it's a sunday. I have to work these days. Depends what you count as full time, im contracted to 24 but am working 30/32 hours. I get paid that because like most other people I pay tax.

I understand you pay tax, I don't mean to sound prying I'm just wondering if you're being wrongly taxed because work have put you on on the wrong tax code or something (mine put me on emergency tax for 18 months, I would never have noticed, luckily my partner did!), it might be worth looking into (check out your payslip for your taxcode and read this). On £620 a month you shouldn't be paying any income tax at all, you're under the threshold of £7475/year.

so fingers crossed for the waitressing job down the road!!

Lol, I'll cross my fingers! Living in a village can be a pain! But if that's where your settled I get why you don't want to move.

Keeping my eye on ikea!

Oooh... staff discount... :rotfl:

Tixy

hollydoll wrote: »

but to be honest cutting back on everything i have already cut back on wasn't the original question in this post.
I was wondering if there was any bad credit loans about so that i can manage the timing of my outgoings a bit better, so theres one outgoing for all the bad stuff rather than loads and it not timing well with my payday.

No, getting consolidations loans is hard now with a perfect credit score. With your level of debts, income and the fact that you say you have bad credit you won't get a loan anywhere.