Financially responsible, but I need £750 quick! Advice?

Zero_Sum

If theres a monthly surplus where is it? If you cant afford £750 despite being on average earnings id be questioning that if you really are responsible

UTP1919

Hmm a few strange replies which is a shame as this forum has a good reputation.

To the person citing my surplus of £670 p/m... that's at my new job which I haven't been paid from yet. My surplus from my last job was about £320 p/m. Using your maths and multiplying it by 18, the sum is £5760 ...less than what my courses have cost. So you can put your suspicions aside on that ground. (And, actually, that's not withstanding that I wasn't getting my last salary of £1450 p/m post-tax throughout that 18 month period. I got a pay increase in May. Up until the pay increase I was doing Deliveroo in the evenings to cover the short fall in my course fees)

To people suggesting credit cards. You are totally right..I used the "soft search" function on here and I am 95% likely to get at least one of the cards, but it takes 1-3 weeks to come through and I need the money by Friday. I've already admitted I've left this too late.

To the person saying I could cut back on my outgoings. It's a bit presumptuous. You've no idea what my outgoings are or whether I've already cut back. FYI, I have. I live a very lean life. This issue has come about not because of my outgoings, but because I made a strategic decision not to accrue savings and instead immediately try to gain additional qualifications and thus triple my salary. Which was working, until I got a job offer which involved not getting a pay cheque this month.

I have only been working full-time since Feb 2016. Initially, I was on the London Living Wage of £17,000. I've only had a good salary since November 2016 (£22k). In May 2018 I moved onto £25k. Last week I moved onto £31k but won't get paid until December 20.

I'm giving you full disclosure because I am being straight with you. If you feel the need to try to find a hole in my "story" go ahead. I just hope other people will continue to offer good advice.

[Deleted User]

Post all your monthly outgoings.

With the salaries stated above you must have put money aside at some point.

UTP1919

If theres a monthly surplus where is it? If you cant afford £750 despite being on average earnings id be questioning that if you really are responsible

The cost of the courses has been appx £6000 paid in installments which I have covered with my surplus income.

:doh:

Not everyone who comes on here is in denial about their finances.

karlie88

UTP1919 wrote: »

To people suggesting credit cards. You are totally right..I used the "soft search" function on here and I am 95% likely to get at least one of the cards, but it takes 1-3 weeks to come through and I need the money by Friday. I've already admitted I've left this too late.

Which company is that with?

I've played the money transfer card game for years with several providers and all of the money transfers have landed in my bank account within 3 working days from a successful application online - just make sure it's a provider that doesn't send paperwork for you to complete (check terms before applying).

UTP1919

Post all your monthly outgoings.

With the salaries stated above you must have put money aside at some point.

No mate because I am not here asking for assistance with my monthly budget and because all of your previous posts have been obnoxious.

I have been earning above the living wage for two years and paying for course fees for 18 months. Prior to earning above the living wage I was unemoyed for three months and borrowed to get through, and when I first started earning I had to pay that back. Since then I have chosen to spend all of my surplus income on courses rather than save. To maximise the amount of studying I could do I have minimised my outgoings and even worked a second job on Deliveroo. You may have chosen otherwise but that doesn't make it unbelievable. My choice has not caused this sudden shortfall, it's the fact I've changed job and am not getting paid this month.

If you can't get over that, then that's up to you

Zero_Sum

A strategic decision not to build up savings?

Sorry but you aint responsible

UTP1919

Which company is that with?

I've played the money transfer card game for years with several providers and all of the money transfers have landed in my bank account within 3 working days from a successful application online - just make sure it's a provider that doesn't send paperwork for you to complete (check terms before applying).

I don't recall, I looked a few hours ago, but I don't think it was a money transfer card. It was on the list of cards for people with bad/no credit. I'll look into a money transfer card now. I read that cards take 1-3 weeks after googling how long it takes. Is there any way to guarantee it will come in quickly other is it just a process which usually takes quicker than expected?

UTP1919

A strategic decision not to build up savings?

Sorry but you aint responsible

That's fine. If your only issue is with me using that word and you don't feel I should have then that's fine. It's a subjective standard and maybe I have it wrong. There's context in my profession, in terms of expectations of how long it takes to gain all your qualifications and the significant uplift in income when you do, that made me choose the path I have taken and feel it was responsible. If you disagree then I can live with that. I am just here looking for some helpful advice.

K80_Black

If you need cash money fast for a short period, the cheapest and quickest way is an OVERDRAFT. (for the third time).

Unless you have one, its maxed and the bank won't give you more. Which seems to be the case.

For someone with 'zero debt' - you sure do seem to have some debt.

The reason you're getting replies saying that your story doesn't add up, is that it doesn't.