How can people afford to rent?

PPPv2

It's part time alright I'm just doing the hours whilst they are there to help me . Contracted hours are low. Get in real world please.

marksoton

PPPv2 wrote: »

It's part time alright I'm just doing the hours whilst they are there to help me . Contracted hours are low. Get in real world please.

No, you need to get in the real world.

You have a degree. Use it and get secure, full time employment. If that means moving etc so be it.

Whatever is the point of spending 3/4 years of your life educating yourself if you're not going to use it?

Pa_Ja

Despite your situation not being favourable, you're very fortunate to have parents/in-laws to lean on.

Have you applied for a council house?
The current setup sounds overcrowding.

I wouldn't consider the house share. You're not going to have thr freedom you desire.

System

I own my property - I pay around £205 in mortgage and service charges a month - property was SA and my parents staircased the other 50% as a gift when they downsized. Bills are about £300 a month. Though including my car insurance and contents insurance which I pay in full

If I rented a similar property privately, I would be paying £625-650pcm. Bills will be a little higher than what I pay as insurance is a little higher for rental properties. From memory, I was playing on the price comparison websites when my car insurance was up for renewal. It would cost me an extra £27 a year for my car insurance if I rented this property.

I would not be able to afford much if I rented.

cyantist

marksoton wrote: »

No, you need to get in the real world.

You have a degree. Use it and get secure, full time employment. If that means moving etc so be it.

Whatever is the point of spending 3/4 years of your life educating yourself if you're not going to use it?

To be fair to the OP, I know a lot of people with degrees earning what I consider to be very low wages. I know some who are out of work entirely. When we advertise for positions we get hundreds of applications for each role. Unfortunately someone decided that 50% of young people should be going to Uni when there just aren't enough good jobs for all those people at the end of their studies.

However to answer the question PPPv2. Most people earning these low wages would be looking to rent a room in a shared house or lodge in someone's house. I know you feel you can't share because of OCD but that is not a usual situation.

Regarding sharing, your current situation sounds less than ideal already, especially if there's not enough room. I've lived in a lot of shared houses, and rented rooms to several lodgers as well and there's a lot more freedom with that than living with the in-laws!

AdrianC

PPPv2 wrote: »

I have a good degree

So why are you working minimum wage part time jobs?

so far this week I have done 50 hours and over the weekend I'll do another 12

62 hours in a week! We'll ignore it being illegal to work more than 48 hours a week, unless you've actively opted out of the working time directive...

At minimum wage, that's £7.20 x 62 = £446.40. Great. Let's assume you do that 40 weeks of the year. That's nearly £18k.

Yet you told us that you only earn £12-14k after overtime, £7k before.

Glad you've got a good degree. It's clearly helping your earning potential no end. Far more than 3-4 years of working experience would do.

AdrianC

ScarletMarble wrote: »

I own my property - I pay around £205 in mortgage and service charges a month - property was SA and my parents staircased the other 50% as a gift when they downsized

So you bought half of your property, and your parents gave you the other half. How much is your mortgage?

marksoton

cyantist wrote: »

To be fair to the OP, I know a lot of people with degrees earning what I consider to be very low wages. I know some who are out of work entirely. When we advertise for positions we get hundreds of applications for each role. Unfortunately someone decided that 50% of young people should be going to Uni when there just aren't enough good jobs for all those people at the end of their studies.

Then they chose a very poor degree.

I'd expect anyone to at least be in full time employment and earning £30K if properly qualified.

I don't have a degree. Should they really be going to Uni?

Arleen

marksoton wrote: »

Then they chose a very poor degree.

I'd expect anyone to at least be in full time employment and earning £30K if properly qualified.

I don't have a degree. Should they really be going to Uni?

Don't confuse a degree with a qualification as one rarelly corresponds with the other.

@OP: best I can add here, as you clearly have bases of working hard covered, the one thing you really should do is rething your career strategy. Just sending around hundrets of CVs clearly doesn't work for you, and in reality for most people, because that is the least path of resistance and you are competing with horde of people doing the very same thing.

So ask yourself - how do you stand out from the sea of candidates? What can you do better than they can do? And be honest, there is nothing wrong if the answer comes back with "nothing". If that is the case, figure out how you could stand out in local market, maybe some courses, or maybe some internship. Either one will require for you to cut back the hours and "toughen it up" even further, but gives some actual path to improvement.

Once you have a way to stand out of the hordes then it's matter of getting noticed for the job. Don't send hundrets of cvs, instead pick just few companies and don't send your cv in email - go and deliver it in person instead. If they won't let you in, be creative - pretend to be delivering donughts or flowers, just so you can get past the doors and deliver the CV personally. If that is absolutely not an option, write a personal letter to the manager, with a bona fide personal, honest, letter about why do you think you would be great, share some of your story. In short - make yourself a human, not another email.

This will require proper research of who the manager is, where is his office etc, but trust me that if you will manage to do it - you will be noticed, you will be remembered, and your CV will be read.

PPPv2

marksoton wrote: »

No, you need to get in the real world.

You have a degree. Use it and get secure, full time employment. If that means moving etc so be it.

Whatever is the point of spending 3/4 years of your life educating yourself if you're not going to use it?

Already am in the real world. On a tea break wasting my time arguing with u.

So what do u suggest I turned down a pt job whilst I look forward my idea job?

I have used it and was good and liked where I was but u see I met a woman who I'd like a future with. I'll get there and I'll get there in the real world.