Wading In Treacle

catandy

bit of a disaster for the first week at work - I'm not set up on the systems properly as the it manager is away till next week so the first week has been a false start added to which I was told on Wednesday that my payment details hadn't been processed or even handed to payroll till Wednesday when I was supposed to be paid on Friday - sum total is I dont get paid till end of next month when I pick up 6 weeks basic plus any commission earned. This is a big problem - it means I currently have 170 in the account plus the switch over fee amount 150 so have 320 to last me till end of March - which means that everything is going to have to go on OH credit cards which is exactly the scenario I was trying to avoid.


OH has come to the realisation of the mess we are in and is very pragmatic about the spends going onto CC saying it will be paid off March or April. I'm in a blind panic all I can see is the next 2 months I am working to pay of credit card interest and keep us afloat - I'm also totally exhausted and overwrought with the new job - its not the most relaxing place to work infact I ended up having panic attack on Friday due to the toxic atmosphere there - I know I've made a mistake job wise but I'm stuck for now so its just a case of getting on with it - and going back on my medication for depression so I am sort of zombie like and detached from everything that is going on - think that is the only way I am going to be able to cope for now.

the plus points from this week are the OH has taken over the reigns of the domestic part of our life so I havent had to worry about it - good job cos I havent been fit to do anything by the time I get in after work each day. He has also 50% completed his claim against his last employer so the plan is we sit down at the kitchen table tomorrow pm and try to get it finished together. Today the plan for me is I do something fun - go for a walk in the sun or do some exercise (I think I could do with the endorphins) and try to relax a bit.

things will get better its just a case of holding it together and getting thru till end of march

triple_choc_chip

As it’s their mistake, they have a moral duty to give you an advance to see you through the next month, equivalent to what your net pay should have been. My company does it all the time for new employees. You shouldn’t be put into a worse financial situation by starting a new job, everyone knows that everyone has overheads.

catandy

so speak to them and ask for an advance? Ok that's a job for Monday... thank you

Alleywoman

Your employer should be able to issue a chaps payment then correct the payment on your next pay slip, so yes ask for an advance, it is their fault after all.
Things will settle down it usually takes a few months to settle into a new job.

AW

in_need_of_direction

Sounds like there are pay options. On the plus side, if this has helped deliver the wake up call to oh, maybe this will all be to the good

catandy

that's exactly how im taking it - OH and I have finally had a full and frank discussion about finances or lack of it and are now on the same page. OH also asked me to get an application form from a company on the trading estate at the end of road that I run past on my jogging route - factory work on NMW but at least he's looking to do something to help

catandy

lost my job yesterday so pressure is on for me to find something asap - doing the rounds of agencies today and have one interview set up for Thursday of this week. I plan to set up a meeting for anything that remotely fits I need to get an income going again.

The manager of the company I was working for said as a parting shot - I will put your payment thru so you get what you are owed, like she was doing me a favour or something - its a legal requirement for companies to pay their staff for the work they have done. God I hate sales and the industry I am in as its so corrupt and they are all sharks but I'm too bloody old to do anything else.

Oh well time to get my head down and do this - and perhaps being at the absolute bottom like this means that things can only improve from here on in - I sure hope so.

in_need_of_direction

Maybe think about an alternative direction. You have a lot of years pre retirement, why not take this time to consider how you would like to spend them

catandy

long term yes I probably need to think about doing something else - something that doesnt leave me so stressed or spent at the end of each day and that gives me a feeling of satisfaction but that is a long time in the future - for now its find a job that I know I can do with my eyes shut and pays ok with commission, put up with the nonsense that goes with it and hope my commissions go thru with no issues and then get on an even keel again payment wise with everything.

I've been making a new list of everything that is outstanding and it doesnt make for pleasant reading:-

rent arrears stand at 220 - the payment this month is about to go thru on one of the Credit Cards and will be paid off when I have an income coming in

council tax - 273 - I havent made an offer on this at all, im stuck in paralysis to phone them as I know its not going to be a nice call and I know I cant offer them anything at the moment - got to bite the bullet and act like an adult


have a bill for my sons mobile that goes out of my account - the account was closed but the last payment was never made so they cannot close the account till it is clear - that stands at 313.96 at the latest e-bill (came thru yesterday afternoon) - my son gave me the money to pay the bill I just ended up using it on something else


DMP payments this month I have cancelled all the standing orders for so I am going to get an avalanche of mail in the next week or so when the payments dont go thru. I cancelled them so I dont incur any bank charges for failed payments which would just make the whole situation worse still.


the credit cards are currently up to about 260£ and are going to have double the minimum payments made to them today - that makes them £225 on them and £2400 available on them.


there's £108 left in the bank account and the 150 switching cashback hasnt cleared yet …..


I have 2 interviews set up tomorrow - one am which will take me over an hour commute each way each day and paying up to 30k basic and the other with 1.5 commute each way/ day for slightly less basic but more commission. The roles are exactly what I do - my industry/ sales role and my product knowledge is spot on so I should be able to get one of them - but with how things are going currently I'm scared to death that I wont and accordingly I am backing myself up - Ive been contacted by one of the companies I used to freelance for and have the option of some work for them next month - only £900 but means I dont have to leave the flat to do it, Ive had another freelance company approach me about 2 days a week for them at 100 per day so that would work out as another 800pm. and worse case scenario there is a rubbishy sales job in town that I can walk into off the street at a days notice which pays NMW - that does mean that I will not be able to go to interviews or anything else though so that is held in reserve to see if none of the above come off at all.


The job the OH was talking about is not being advertised at the moment - they put a board outside the building so nothing there and he hasnt mentioned looking for a job again since...


I even thought yesterday about not paying the rent this month and just using the money on the credit card to move and start afresh - OH and I were thinking of moving down to the south coast to be nearer to family last year which didnt happen. if we did it now we can pick up temporary summer work down there to make an income. We would be living in a summer let on a month by month basis with no credit check and we would need to find somewhere to store most of the furniture from the flat with a view to renting somewhere of our own again in the future if and when things ever settle down again. OH dismissed this plan as nonsense and impossible when I told him yesterday but cannot come up with any way that we can carry on managing with no income - he still hasnt finished his claim form as he cant do it whilst I'm here.


I dont know what to do for the best any more my brain is whirling with not being able to concentrate and I cant see the best way forward.... logic is I go to the interviews tomorrow and see what happens from there then we sit down as a couple and have an adult grown up conversation about it again to see what we do next.

catandy

and just by reading that back to myself I can see that my brain is completely shot and Im panicking. Cant talk to OH about it as he blames me for losing the job and 'being unemployable' - ive been made redundant 3 times in the last 5 years and my earning prowess has taken a battering over the years - I have always earned more than him infact ive always been the one that has worked and now I feel like im in a position that im struggling to do that.