money worries

Amazing87

I have been offered a great job in Dublin starting 21st July really is my dream job!! Problem is ive been on job seekers allowance since January and ive no idea how i can afford to move to Dublin from down the country, ill need a deposit and 2 months rent as i wont be getting paid until end of august.

There's not really anyone i can ask for a loan and already have a personal loan with credit union, i know its a long shot but does anybody know if the social welfare cud help me in anyway?

Any advice really appreciated

baby and crumble

Go to your bank. If you show proof of your offer you might be able to swing a decent overdraft.

Have you any friends or family you could stay with at the beginning to keep costs down?

Are you sure (as in have you actually been told) you won't get paid until the end of August? If you're working a contract with a set salary (as opposed to shifts on an hourly rate which varies weekly) then you might get paid a lot quicker than that.

Whatever you do make sure you don't turn down the job!!!! You'll be able to find some sort of solution.

LegacyUser

How far down the country are we taking? I commuted from Laois to Dublin for two months when I started a new job there as it was very short notice and finding somewhere affordable to live takes time. It might be easier to swing a rail pass for the two months then deposit and rent. If your two far down the country consider staying in the hostel, my OH did that for several months when he was stuck. You can get a discount rate if your staying longer then a week, would give you time to find somewhere to live. Otherwise ask around for family or friends to stay with, come home the weekends etc etc just don't turn the job down, you'll figure something out.

December2012

Talk to your credit union as well - they might restructure your loan.

ABajaninCork

Talking to your bank and CU are very good ideas. You'll probably need to re-structure the loan in the short-term anyway, until your pay comes through.

I'd also be talking to the CWO. I know they can authorise one off 'hardship' payments and/or give you money towards your rent. Tap up the SvP too. They can also help. As a last resort are you able to get help from your family? Not ideal, but needs must!!

Congrats on the new job and the very best of luck to you. I agree with Baby and Crumble - DON'T whatever you do turn down the role! You can find a way to make it work for you.

IlmoNT4

I know some people in this situation and they lived in a hostel (backpackers) until their salary came through and they were able to afford a place....If anyone asked about why they were staying in a hostel, they told everyone it was because they were flat hunting and everyone knows how hard it can be to find a place in Dublin...

There are some nice backpacker hostels around Dublin....you could do that Mon-Friday and then go home on the weekend? It would only be for the short term until August.

Talk to your bank and see if you can organize a short term loan..... If they say no, hit up family or anyone who can help you.

Please dont turn down your job.....think if there is anyone in Dublin or close to Dublin who you could stay with and get the bus into work.... reach out to friends and family....someone you know must know someone in Dublin, who might know someone etc etc. Offer house sitting, pet sitting, Be willing to kip on sofas/floors or whatever is going until you are on your feet.

Good Luck!

Mrs Garth Brooks

Also you're entitled to the supplementary welfare allowance from your cwo or commummunity welfare officer until you get paid.

All you need is a letter from your new employer stating that you're not getting paid until whatever date in August.

LegacyUser

HardLuckWoman wrote: »

Also you're entitled to the supplementary welfare allowance from your cwo or commummunity welfare officer until you get paid.

All you need is a letter from your new employer stating that you're not getting paid until whatever date in August.

There is no automatic entitlement to SWA - supplementary welfare allowance. It's a discretionary payment and certainly worth checking out but don't get your hopes up....

Mrs Garth Brooks

Porridge//pot wrote: »

There is no automatic entitlement to SWA - supplementary welfare allowance. It's a discretionary payment and certainly worth checking out but don't get your hopes up....

I was a group engagement meeting at the social welfare a few weeks ago and this very topic came up.

Dont know why they're dishing out information if its not true.

I was told that you need a letter from your new employer, stating that you're not getting paid until whatever date in August.

So go for it OP.

Magicmatilda

Also check with the landlord of wherever you move if you can just pay rent for the 5 weeks to end of August and then pay monthly from then, that way you don't need two whole months rent.

Also speak to the employer and discuss whether they can give you a checque after your first two weeks or whatever, they may be able to work something out, don't be afraid to ask.

Worst comes to the worst - contact St Vincent de Paul.

iusedtoknow

Magicmatilda wrote: »

Also check with the landlord of wherever you move if you can just pay rent for the 5 weeks to end of August and then pay monthly from then, that way you don't need two whole months rent.

Also speak to the employer and discuss whether they can give you a checque after your first two weeks or whatever, they may be able to work something out, don't be afraid to ask.

Worst comes to the worst - contact St Vincent de Paul.

This is not a good idea - while most employers are nice, they are not responsible for your bills etc. This would not be starting off on the right foot. Likewise, most companies have a payroll system that can sometimes take a while for you to get into....

I think the OP should talk to social welfare and other avenues first (including SVP) instead of the employer

Enright

You have a history with your CU, they know you, they will look at restructuring your loan, offer to go on a standing order, worst case can you get a guarantor?

Advise against asking the employer