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EssexHebridean

 Got you on the job - so you’re opted out of the 48 hour max anyway as standard. Base any payments and indeed your budget on your basic hours though - never on overtime, as there is always the possibility that overtime stops being available (yes - even in your world - I was a transport manager in a previous life!)  or of course if you were off work for a while with illness or maybe an injury (I had a driver off 6 weeks with a broken wrist - he was not a happy bunny but thankfully he did at least have an emergency fund - there were others on the books who would have been a hell of a lot worse off) you’d be getting paid any employer based sick pay based only on your basic hours, so it’s always safest to treat the overtime as “extra”.  In the short term the overtime money could be stashed aside ready to make full and final settlements to debts down the line. In the future it might improve options around lifestyle choices by saving for a deposit for a property or buying a car outright rather than needing finance.

WBMK

EssexHebridean said:

 Got you on the job - so you’re opted out of the 48 hour max anyway as standard. Base any payments and indeed your budget on your basic hours though - never on overtime, as there is always the possibility that overtime stops being available (yes - even in your world - I was a transport manager in a previous life!)  or of course if you were off work for a while with illness or maybe an injury (I had a driver off 6 weeks with a broken wrist - he was not a happy bunny but thankfully he did at least have an emergency fund - there were others on the books who would have been a hell of a lot worse off) you’d be getting paid any employer based sick pay based only on your basic hours, so it’s always safest to treat the overtime as “extra”.  In the short term the overtime money could be stashed aside ready to make full and final settlements to debts down the line. In the future it might improve options around lifestyle choices by saving for a deposit for a property or buying a car outright rather than needing finance.

Thats makes a lot of sense now that you've explained it like that, I'll definitely base it on 50 hours and stash the rest away.

Something I forgot to mention that may or may not be relevant, the RBS card is 0% interest until Jan '26 and the Barclaycard card is 0% interest until April '26, does this change anything or do I need to change my approach for these from the standard - stop payments, wait for default, setup DMP?

WBMK

WBMK said:

EssexHebridean said:

 Got you on the job - so you’re opted out of the 48 hour max anyway as standard. Base any payments and indeed your budget on your basic hours though - never on overtime, as there is always the possibility that overtime stops being available (yes - even in your world - I was a transport manager in a previous life!)  or of course if you were off work for a while with illness or maybe an injury (I had a driver off 6 weeks with a broken wrist - he was not a happy bunny but thankfully he did at least have an emergency fund - there were others on the books who would have been a hell of a lot worse off) you’d be getting paid any employer based sick pay based only on your basic hours, so it’s always safest to treat the overtime as “extra”.  In the short term the overtime money could be stashed aside ready to make full and final settlements to debts down the line. In the future it might improve options around lifestyle choices by saving for a deposit for a property or buying a car outright rather than needing finance.

Thats makes a lot of sense now that you've explained it like that, I'll definitely base it on 50 hours and stash the rest away.

Something I forgot to mention that may or may not be relevant, the RBS card is 0% interest until Jan '26 and the Barclaycard card is 0% interest until April '26, does this change anything or do I need to change my approach for these from the standard - stop payments, wait for default, setup DMP?

Does anyone have any advice on the above RBS and Barclaycard accounts?

My barclaycard payment is due today so need to know ASAP if I should change my approach.

RAS

Pay today, as tomorrow gives you time.