Just got a job but need some funds, whats the best credit card?

Locogooner

Sncjw wrote: »

But with renting you will need to pay for rent, food, transport, energy bills, council tax, tv, plus fund to stock up your home with essesntials. I wouldn’t do it until you have a secure job and money backed up. Plus first months rent will need the same amount in deposit usually.

It will be a vicious cycle of struggling to pay rent and bills if you are needing credit in the first month. Wait for a bit until you know the job is secure

Yeah I wouldn't want to actually put down a deposit yet. I was searching for sublet rooms.

I have a room that's available to me for a sublet. I only have to pay a discounted rent fee upfront. I wouldn't have to stock up much because they said I can use most of the utensils available.

Other bills are covered by the tenants too.

DCFC79

Locogooner wrote: »

What are the three files? Also what could I get from a sub prime card?

Google would uncover these.


Noddle and Equifax are 2 of them.

PMcCarrol

Commuting to london daily isn't much cheaper than living in London I've found. I use Clearscore to check my credit file, it's free and they also show you promotions for credit cards you're likely to be approved for. I have Vanquis and Capital One but I don't recommend Vanquis, I had my account frozen (I asked them to) as a result of poor customer services and ignorance of the Consumer Credit Act where they refused to provide a refund for substandard products when the retailer refused to accept a return. I have a case open with the Ombudsman and then I'll be doing a Money Claim Online to get my money back. We're only talking £40 but it's the principle, plus I'll get my MCOL fees back if judgement is awarded in my favour, leaving Vanquis with a CCJ which wouldn't look good for a credit card company lol

Locogooner

PMcCarrol wrote: »

Commuting to london daily isn't much cheaper than living in London I've found.

Exactly.

It's one of those things that seems way cheaper in theory but in actuality, not.

I weighed it up and even with a railcard, from my parents house to work (door to door) plus food and other costs I'd be spending £50-£55 a day on the commute.

Just to work.

That's about £250 a week, £1000 a month. I might aswell find a room in London at that rate because most freelance jobs have in London on weekends anyway.

CakeCrusader

What about house sitting for a couple of months? Free rent and no bills in return for looking after a cat or two (or a dog), it'll give you the chance to save up for a deposit.

Locogooner

Dragonfly1 wrote: »

However the whole commute argument varies hugely. It's a great decision in my circumstances.

I commute from Kent to Camberwell (3 trains each way) every day, and it costs me £1.90 each way (i.e. £3.80/day) and I usually do 4 days a week due to 12 hour days therefore £15.20/week or £60 a month.

Commuting from your family home (Kent in my case) can save huge sums of money.

£1.90 a day at on peak times via three trains???

Dragonfly1

Locogooner wrote: »

£1.90 a day at on peak times via three trains???

Zone 6 to Zone 2 - tap in @ 6.29am 4 days/week (Train itself is at 6.35am but it's off-peak as Oyster is all about when you tap-in; not which train you catch. 3 trains later mean I arrive for 7.45am if Southeastern don't screw me over.

Finish work between 7.30pm-8pm, therefore also off-peak back to Zone 6. And my Oyster is linked to a 1/3 off Railcard - which can be used on all off-peak journeys with Oyster (As well as peak afternoon journeys if I bought a train ticket).

Wouldn't want to do it for the rest of my life as it's a 1 hour train commute each way. But it's £3.80 a day for a total of 6 trains a day It's all about (legally) playing the system as tapping in 3 or 4 minutes early saves me about £500/year. And the railcard is now available to the 26-30 age range too. Mine was free with Santander as a Student (Taken out in my 3rd or 4th year of uni - think I posted about it a couple of years ago as they didn't want to give it to me as I wasn't in my 1st year....)

Locogooner

Dragonfly1 wrote: »

Zone 6 to Zone 2 - tap in @ 6.29am 4 days/week (Train itself is at 6.35am but it's off-peak as Oyster is all about when you tap-in; not which train you catch. 3 trains later mean I arrive for 7.45am if Southeastern don't screw me over.

Finish work between 7.30pm-8pm, therefore also off-peak back to Zone 6. And my Oyster is linked to a 1/3 off Railcard - which can be used on all off-peak journeys with Oyster (As well as peak afternoon journeys if I bought a train ticket).

Wouldn't want to do it for the rest of my life as it's a 1 hour train commute each way. But it's £3.80 a day for a total of 6 trains a day It's all about (legally) playing the system as tapping in 3 or 4 minutes early saves me about £500/year. And the railcard is now available to the 26-30 age range too. Mine was free with Santander as a Student (Taken out in my 3rd or 4th year of uni - think I posted about it a couple of years ago as they didn't want to give it to me as I wasn't in my 1st year....)

Ah I see.

Well I live much further away haha.

I’m as close Birmingham as I am London.

And the job would finish at 5