Rent payment needed before wages!

SJBroonie

Thanks for all of your responses. In regards to the tenancy agreement it states that the date will be the same day as start of the tenancy each month. Every tenancy agreement has always said the same but I have always been able to get the landlord to allow a change, I originally lived in Cornwall where my landlords only had 1 property that they were renting. My new landlord has many properties so cannot be so flexible and doesn't need to be. They were very clear that my rent needed to be with them by the 22nd and the charges I would incur if not!
I will explore the BOMAD but that's not usually an option.
This is all very new to me and usually borrowing the money for rent is a lot easier in Cornwall as it is so much cheaper. My new wage will cover it eventually but it's just this first month where I still have my lower salary from my previous job.
Thanks so much for all of your suggestions.

[Deleted User]

I am sure you are doing this already but I'm afraid you are going to have to cut everything down to the bone so your money will stretch as far as possible. I am on benefits, had it cut by half due to an admin error and still managed to cover the rent. It wasn't fun, but had to be done as rent came before anything else. Either way you are going to have to save up the money to pay the rent on 22nd when your wages come in on the 25th, so you are going to have to cut back to do this.

Asking for a sub might be useful too.., if you can cut back on your spending, a partial payment of wages might help make up the difference.

At worst, perhaps you could pay what you have on 22nd, then pay the rest on 25th so you are showing willing and it doesn't look like you have missed the month completely. Less to make up later too.

I assume you do have something saved up and haven't moved with nothing?

Good luck with your new job though, hope it all goes well.

mije1983

SJBroonie wrote: »

In regards to the tenancy agreement it states that the date will be the same day as start of the tenancy each month.

I know hindsight is a wonderful thing, but you really should have negotiated this before you signed (assuming you already have?).

If you rent any future properties it will be worth either starting the tenancy after your pay day, or negotiating the date with the landlord before you sign it if they have the same wording.

Now he's got your agreement to pay on the 22nd each month, there's not a lot you can do. Some good suggestions above though so I'm sure there is something you can sort to tide you over for the few days. Good luck with it, and the new job.

Strummer22

You can consider asking your new employer for an advance on your salary. Explain the situation. They may well be willing to help you seeing as you have relocated in order to work for them.

Small_Yeti

You could maybe suggest you pay them three days rent now and that would mean you were perpetually three days ahead for the rest of the tenancy, (because the three days "credit" would need to come off the following month's rent but would roll on until you left, at which point you would either leave three days over the end of the tenancy or they would owe you the three days back.)

Anyway, if you were three days in credit then that would take you up to the 25th of each month. Personally I'm with the others on the forum, beg the first month if you can (or switch banks to one with a better overdraft facility) and then put the rent aside (in a separate bank account if you think you'll spend it) each month until 22nd. It'll be a pain but if there is no way round it...

csgohan4

Stu_N_ wrote: »

You can consider asking your new employer for an advance on your salary. Explain the situation. They may well be willing to help you seeing as you have relocated in order to work for them.

What about the next month and the next

Bottom line is, the OP failed to read the agreement properly and has got themselves into trouble but not realising their salary and rent agreement dates do not match.

warby68

So essentially you've had 2 months' rent in one pay month at some stage and are on a tight budget with no savings?

You need to save up one month's rent to get ahead of the game.

If you can do that in a month or two a loan from family or friends would be good

If its going to take a lot longer then credit card or loan with repayment in line with your budget

Really don't like the idea of having to borrow again every months as you would with payday loans - fees each time and lots on your record rather than one source of credit you manage well.

A relocation loan from your employer would be ideal here rather than just a salary advance and not uncommon.

Strummer22

Re: getting an advance

csgohan4 wrote: »

What about the next month and the next

Bottom line is, the OP failed to read the agreement properly and has got themselves into trouble but not realising their salary and rent agreement dates do not match.

The OP said:

SJBroonie wrote: »

My new wage will cover it eventually but it's just this first month where I still have my lower salary from my previous job.

If the new salary is decent enough, then OP can get an advance for rent on the 22nd, rest of salary comes in on 25th and then by scrimping and saving for a month can pay the following month's rent out of that salary. After the next salary payment 3 days later things become much easier.

hazyjo

Change banks - an agreed overdraft shouldn't be extortionate. Mine is, I think, £6 if I use it, and a small % on top of what I'm overdrawn (NatWest). Some even give you money to swap - that can go towards the rent.


As someone suggested, use a credit card for everything else that month and pay it off when you're paid.


Hopefully you'll soon catch up with the rent payments - you just need to be a month ahead in your bank. I'm sure that can be done within a few months.


Jx

KRB2725

Get a 0% credit card that allows cash transfers into your bank at the promo rate. Borrow your first months rent money from the credit card. You will then be able to pay your next months rent on the 22nd from your previous pay packet.

Divide the amount borrowed by the promo period and set up a direct debit for that amount per month.