Starting new job, monthly salary. How am I supposed to get to work?

Felix Culpa

-Worked for six months after returning to Ireland
-Contract ended, went on JA. (€100)
-Two months went by.
-Accepted job offer, start next week.
-I get paid in 30 days.
-Called welfare and I cannot claim from the moment I sign my contract.
-Called bank, unqualified for loan because I'm on probation at work.

What are my options? After calling welfare I got "it's your onus," and "not our problem."

I feel like if the State's entitled to my PRSI contributions, then I'm entitled to have the ability to actually get to work.

Cushie Butterfield

It's an awkward situation to be in. Try:

- borrowing from a friend or family member
- approaching your local DSP Rep (CWO) http://www.welfare.ie/en/Pages/otheroffice/community-welfare-office-contact.aspx
- as soon as you start work ask your payroll dept if you can get an advance on your wages
- approaching your local St Vincent dePaul office http://www.svp.ie/What-We-Do/Local-Offices.aspx or online http://www.svp.ie/Get-Help/Request-help-online.aspx

The above are your options. Don't shoot the messenger. Good luck in your new job.

DamoKen

Felix Culpa wrote: »

-Worked for six months after returning to Ireland
-Contract ended, went on JA. (€100)
-Two months went by.
-Accepted job offer, start next week.
-I get paid in 30 days.
-Called welfare and I cannot claim from the moment I sign my contract.
-Called bank, unqualified for loan because I'm on probation at work.

What are my options? After calling welfare I got "it's your onus," and "not our problem."

I feel like if the State's entitled to my PRSI contributions, then I'm entitled to have the ability to actually get to work.

Can be a tricky one if you're starting from scratch with nothing to tied you over until the first pay day.

Some great suggestions already by Cushie. I went with the company loan approach.

Same situation with my first job after college. Job was in Germany so the company paid for flights and accommodation but I was literally broke arriving, food for my first week was in my rucksack. Came to an arrangement with the company and got a 3rd or whatever of first months salary upfront, just enough to tied me over. Was then taken out of my first salary payment.

Comes down to how trusting the company is I suppose and what type of job it is.

Friends & family would have been the other option I'd have gone with if I was in Ireland at the time

best of luck

Squeeonline

DamoKen wrote: »

Comes down to how trusting the company is I suppose and what type of job it is.

Any company willing to hire you should really trust you enough for this.

I was in a similar situation about 2 years ago. I started a new job in a different country early December but too late to be paid that month (Christmas wages were paid on the 15th rather than 25th) meaning I didn't get paid until January (but got 2 months wages).

I was lucky that family were able to loan me enough money for rent and initial bills etc.

edit: I was told /after/ that I could have been paid upfront. Little good that info was then :P

mahoganygas

A credit union might be more understanding than a bank if you were to get a small short term loan.
Have a chat with them. Their aim is to help the community, rather than make profits.

syklops

mahoganygas wrote: »

A credit union might be more understanding than a bank if you were to get a small short term loan.
Have a chat with them. Their aim is to help the community, rather than make profits.

Im pretty sure you need to have a credit union account to get a loan from one.

Advice for the OP, get a CU account ASAP, because what mahoganygas said holds true. They are very approachable once you have a positive balance in your account.

Felix Culpa

Thanks guys, really helpful suggestions!

Is it normal to ask to be paid up front? It's a mid level managerial role and I've sold myself as a crack salesperson, I'm worried about starting off on the wrong foot.

seamus

Credit unions don't usually provide loans until you've been a member for six months, though directors can sign discretionary loans.

Yeah, first port of call is definitely the company themselves. Speak to the HR person you were dealing with and ask them, I wouldn't ring your new boss about it.

If they can't do it, or you'd be afraid to ask them, you can look at a small payday-esque loan; http://www.providentpersonalcredit.ie/

Not cheap money, but the loans are only small, so if you get just enough to live on beans & toast until your next payday, it shouldn't be that big a hit.

percy212

Personally I think it looks bad to ask payroll for an advance UNLESS you are very young.

I would definitely try your CWO first. They are getting rid of you after all

mahoganygas

My local CU had a sign in the window advertising loans for non-members. Each CU is ran differently. You might get lucky with your local CU.

Also, you don't have to apply to the CU where you live. Some allow you to be a member if you work in their catchment area. They might be sympathetic to employees of your new company. Worth a shot.

Best of luck with it.

hillbloom

I agree with Percy, unless you are very young looking for a loan wont look good and if its a managerial position you are obviously not so young. Try your Family or a good friend & save as much as possible when you in this job & dont ever get into that awkward position again!!Good Luck in the new job!!

Maximus Alexander

I don't think there's anything wrong with asking for a partial advance in your first month's salary given your situation, and most companies would be happy to accommodate this.

Felix Culpa

percy212 wrote: »

Personally I think it looks bad to ask payroll for an advance UNLESS you are very young.

I would definitely try your CWO first. They are getting rid of you after all

I'm 20, which is probably the youngest hire this company has ever had. I got the offer through exceptional circumstances and an interesting history of international self employment.

I'll call my social welfare office in the morning. I've been a member of my credit union for three years, but I've never had any sort of loan or credit before in my life. I think there's about €5 in the account.

syklops

Felix Culpa wrote: »

I'm 20, which is probably the youngest hire this company has ever had. I got the offer through exceptional circumstances and an interesting history of international self employment.

I'll call my social welfare office in the morning. I've been a member of my credit union for three years, but I've never had any sort of loan or credit before in my life. I think there's about €5 in the account.

How much do you need to get to work?

Felix Culpa

syklops wrote: »

How much do you need to get to work?

80 a week would be enough to just scrape by. Net salary is €2100ish.

hillbloom

Well Done on securing the impressive job at your age!!

ComfortKid

Was in this situation before. It's ridiculous that social welfare don't pay you until you receive your first pay. I mean it's saving them much more on the long run.

Not advising you, but I went the illegal way and claimed until I got paid, I let them know when I got paid and they allowed me to pay them back in weekly instalments.

JigglyMcJabs

The credit union is a good way to go, I was in the same position a couple of years back. I had a credit union account with about €50 in it. I was able to show them signed contracts for a new job and told them it was for expenses in my first month until pay day and they gave me a loan without any problems.

Credit unions are there for their members and this type of loan is what they like to do for people.

phormium

Definitely have a word with your credit union, you won't fit within the standard criteria but most can make exceptions, this case sounds like one they might do that for. Don't just take a straight 'no' at the counter, ask to speak to someone in charge of the lending.

ComfortKid

If you can get a credit union member with a good history to go as a guarantor you should have no problem.

aunt aggie

I know some sectors do mid month advances which works out the same as been paid every two weeks. I was in the same position as OP once and borrowed from my parents, only to find out a few months later that a number of staff got mid month advances every month. Talk to HR. Ask them what's available and if they can't help you out then a loan might be your best option.

catsbanter

Provident personal loans(legal loan shark style company regulated by the bank of ireland). Google the name. You can get a loan of 500 but will have to pay back 650 or they might lower the interest if back within the month. Might be worth it to get you buy for the few weeks. Interest on it is ridiculous but should short you out. Friend used them who was in the same situation as yourself and had no problems.

You'd be chancing your arm asking a company to pay you in advance as they could say no!

syklops

catsbanter wrote: »

You'd be chancing your arm asking a company to pay you in advance as they could say no!

So they say no. Whats wrong with that?

catsbanter

syklops wrote: »

So they say no. Whats wrong with that?

Sorry just read my post and sounds like a bad thing asking them which I didn't mean. I mean just in case they say no he'd be broke but could try provident then as a last resort.

Felix Culpa

catsbanter wrote: »

Provident personal loans(legal loan shark style company regulated by the bank of ireland). Google the name. You can get a loan of 500 but will have to pay back 650 or they might lower the interest if back within the month. Might be worth it to get you buy for the few weeks. Interest on it is ridiculous but should short you out. Friend used them who was in the same situation as yourself and had no problems.

You'd be chancing your arm asking a company to pay you in advance as they could say no!

That's like 1200% APR haha, I thought payday loans were illegal in Ireland. I'd rather get train fines than fund their scammy operation.

syklops

catsbanter wrote: »

Sorry just read my post and sounds like a bad thing asking them which I didn't mean. I mean just in case they say no he'd be broke but could try provident then as a last resort.

I definitely think a loan shark either legal or not is definitely the last resort.

Eugene Norman

No chance of using credit cards?

Felix Culpa

Eugene Norman wrote: »

No chance of using credit cards?

Don't have one, doubt I'm qualified as I have no credit history.

EDIT: Oh crap, just remembered I defaulted on my cell phone payments in the Netherlands. Could this potentially screw me?

mp22

Felix Culpa wrote: »

Don't have one, doubt I'm qualified as I have no credit history.

EDIT: Oh crap, just remembered I defaulted on my cell phone payments in the Netherlands. Could this potentially screw me?

I think this thread is gone as far as it can,we dont have roaming set up.


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