I am in an extremely tight spot until I next get paid.
I'm racking my brain over how to earn some short-term cash so I can do a decent food shop, at least.
I'm thinking one of those brutally shit agency jobs that pays at the end of the week in return for your livelihood and soul. This has been my only experience with this kind of quick money. Do any of you lads have ideas? Preferably legal.
It's still a very expensive way of borrowing. If your credit isn't absolutely terrible, it should be possible to get a credit card with a 0% interest offer on spending. This is by far the cheapest way of borrowing if you're sensible, you're able to make at least the minimum repayment and you have a clear plan for repaying it before the end of the interest-free offer.
What a horrible world we live in where people want you to be in debt so badly they won't even charge you for 2 years because they want you to get in over you head and end up paying you a huge debt in the long term. All of the time treating it like it is the most normal thing in the world.
I know it's doable, but I also know I'm capable of working more around what I'm currently doing. Thanks to a dental plan payment, it's actually £67 now. Fucksake.
I've actually never had a credit card, and as tempting a solution as that is right now, debt seems like a considerable risk at the moment (especially when it seems I'm overspending anyway).
I honestly don't have items to secure a loan with right now. I live with my laptop, clothes, and a shelf of books.
Keep the suggestions coming. I'm without a bike or car for driving and delivery, have no tits to display on webcam, and lack the resolve to build up an Instagram following or furry fanbase.
Re: the Facebook community group, I was meant to be tutoring young folks in English through an agency, which I found through a group like that. I am waiting on the parents to set dates. Looks like that gig won't come through in time, if it ever does.
Start scamming people on dating sites. You know, one of those obvious scams where you act all slutty and say you'll meet them and send nudes but only if they put £50 in your paypal first to prove they're real. One of those scams where the success rate is tiny but you only need that tiny fraction of people who are stupid enough to fall for it and you're a few hundred quid up.
>I've actually never had a credit card, and as tempting a solution as that is right now, debt seems like a considerable risk at the moment (especially when it seems I'm overspending anyway).
Sensible lad, I've never wanted to go into credit debt either. But it would buy you the time you currently need. If your problem is solely until you next get paid, (which was how you phrased it originally,) this is the solution.
For a long term solution we need more details about you. What is your income? what are your necessary expenses? How good are you at your job and are you being paid right? Could you get a raise? Could you find a better paying job? What are your frivolous expenses, and if there is anything you could do to reduce the necessary and frivolous expenses?
Wouldn't it be better to spend his time match betting? Seems like less effort for more payout and less chance of going to prison.
OP basically what you do is take advantage of multiple of those 'first bet is free' deals online by playing the sites off against each other. If you do it right it literally is free cash.
Who's going to report you, if they can even find out who you are? It's a perfect scam because nobody wants to admit they were so horny they handed over cash to some random person on the internet, and they'd probably be married and don't want the Mrs to find out, and even then, they're (in theory) paying a woman (or man) for sex. That's illegal in itself.
That's why you just outright ask for money rather than their card information. Then you'd be at risk of getting done for card fraud. But if you just ask for a little bit of money, enough that it's worth doing but not enough for them to kick up a fuss over.
It's basically the same as charging for a porn site really, I'm not sure it's even illegal to do it if you just send over a few nudes from /x/. I don't think there's any consumer protection in place to guarantee you get the hot 19 year old blonde you paid for if you answer a dodgy POF ad.
>>13158 >That's why you just outright ask for money rather than their card information
...Through paypal - are you retarded or a genius? please explain the difference for the rest of us in terms of traceability by the authorities of a credit card and paypal.
That isn't relevant, I was asking the differance between taking money through paypal rather than credit card. If you think what you are doing is illegal.
Wire fraud is about making dishonest representations for financial gain across a telecommunications network. It doesn't matter whether you use a credit card, PayPal or even BitCoin in the same way it doesn't matter if you use FedEx or the USPS when committing mail fraud.
Why we're talking about wire fraud when it's a concept that exists for the US federal government to secure jurisdiction from individual states I don't know. In the UK we just call it fraud [by false representation]. Why would it matter whether you sent a letter or an email or deceived someone in person?
This is some exceptionally bad amateur lawyering.
>>13155 If you lack the self-control to properly administer a credit card, so be it, but if you're a functional adult it's objectively better to use one. Credit card companies will literally pay you to benefit from the far greater protection afforded by the Consumer Credit Act.
>>13153 Brian? Jesus Christ mate, I can give you a some money if you are in need. Was that why you said to meet at the pub and then fucking ghosted me?
The other thread has made me realise how much better things could be for me, financially. I've always used money as a means to making the next big step in my career, e.g. my last two big blocks of spending were for driving lessons and to get my license, the next was to move flat and enrol a masters degree. I've not had the chance to build up a big surplus or create savings, and this now has me worried.
So I'll bite, I'll let you guys review.
>What is your income? what are your necessary expenses?
I work 50% part-time university job, alongside full-time study (technically I'm at 150%, but it's very easy, and if anything I feel I could do more). This brings in about £900 per month, £520 of which goes on rent (includes utilities, WiFi, etc.). Food is expensive where I'm living right now, even supermarket food, but thinking about it I could do my shop elsewhere... I end up spending between £180 and £240 or more per month just on grocery shopping. I need to account for whatever causes this and cut back. I earmark some for public transport and gym membership.
I have all this worked out on a spreadsheet that originally put me in a slight surplus (about £70 or wiggle room per month), but I've obviously been spending far more than this lately. I'm going to have to go through all this again and eliminate *everything* unnecessary.
>How good are you at your job and are you being paid right? Could you get a raise? Could you find a better paying job?
It's in academia and I'm not sure I'm in a position to negotiate for pay. Honestly, I'm not comfortable at negotiating to begin with and am more inclined to move around to look for better pay.
I am sure I could find something better, and I am sending out applications not just for additional work, but also something to potentially replace this "main" job.
I've even debated whether it would be possible to balance a 75% to 100% full-time job with full-time study, if I have some sympathetic lecturers and flexitime.
>What are your frivolous expenses, and if there is anything you could do to reduce the necessary and frivolous expenses?
My most frivolous expenses tend to be convenience purchases, i.e. a sandwich for lunch when I don't want to cook meals in advance. Coffees and meals out I can cut back on, for sure.
I donate a modest amount to charities, which I will have to cut back to maybe one or two very important ones.
Unlike Brian, I spend virtually nothing on booze. My social life is pretty relaxed, an occasional catch-up with friends here and there. I have been going out on pretty expensive dates recently, including sometimes seeing a girl in another city (fucking trainfare). I'm sure I can work out something fairer there, and she's mentioned she'd be happy to meet me here instead.
That's all that comes to mind right now. My bank has kindly charged me an overdraft fee, so I'm on a dwindling £19 and desperately trying to remember if I put a £20 in some other account somewhere.
This may not solve my shite situation for the next 23 days, but I'm more than willing to take advice to avoid being in this situation again.
Yeah. I don't buy anything special there, either, but I am quite physical. I run and lift weights three days a week and have a very consistent diet with a high calorie intake. I make sure I have a source of protein (mostly eggs, beef, chicken, fish maybe once a week), frozen veg, sometimes fresh, and carbs (mostly rice and oats) for three squares every day. No particularly expensive toiletries or anything, either. No alcohol or cigarettes.
I have receipts and can break down my spending further, to check where I can cut down. I tend to go for the cheaper versions of everything, but maybe can use more substitutes. I am also sure there's some crap that's snuck in there (occasional expensive ready meals, treats, etc.).
It could also be that the place I shop is pretty upmarket and I'm paying over the odds. I live in an expensive area to begin with, and go there as I live right across the road. I'll compare to others in the area and could go out of my way to shop elsewhere.
Eating less is always an option, but that would almost certainly require scaling back training and other physical activity, too, which would be a quite a big sacrifice in what makes me happy/functional.
Looking at my spending through my banking app, it looks like £240 was more of an outlier (probably when I first moved in). It seems £170 is more of a fair average, but I accept that's still high. I could take a mix of the approaches above to get the food shop down to a more reasonable level.
>It's in academia and I'm not sure I'm in a position to negotiate for pay. Honestly, I'm not comfortable at negotiating to begin with and am more inclined to move around to look for better pay.
Quite honestly just telling them the truth that you can't afford to work that job and therefore need to go find another one. is a very strong way to negotiate. that might be enough for them to come back with an offer.
>>13169 >I end up spending between £180 and £240 or more per month just on grocery shopping.
What the fuck are you buying? I spend that much on my wife and 2 kids food every month. Are you going around fancy restaurants?
My main shop is about £35 a fortnight, but I'm a vegetarian and I shop at Aldi. I spend about a tenner a week on other bits, plus a few restaurant meals.
£200ish a month on food isn't an absurd amount, but it's a lot to spend if you're a student relying on a part-time job. OP could almost certainly make some big savings with a modicum of effort - shop at Aldi, cut down on meat, plan some cheap meals through the week, take a packed lunch etc.
When you do the number crunch £240 it is £8 a day, I think we all have days where we've spend more then that. If you are buying your supermarket £3 meal deal sandwich that is £5 on your main and breakfast.
It is no where near as absurd as you are pretending it is.
>I spend that much on my wife and 2 kids food every month
OP here. I'll give this a crack next month. I would happily switch out a few meals a week for vegetarian options. Animal protein is expensive, for good reason. I'm thinking I could incorporate a few more scrambled eggs in place of meat for a few meals.
Suggestions for a cheap but protein-rich (20g to 30g a portion) veggie meal I can prepare in bulk would be greatly appreciated.
I'm really easygoing with taste and can easily eat the same thing day in and day out, as long as it covers my nutritional bases.
I've also searched and found that there's a nearby Lidl. The shop across the road also offer a membership card that it may be worth using.
>>13181 If it helps, iceland's vegan and veggy line is surprisingly good. Their veggy burgers for example you just tell they're not meat, but if they were meat they'd cost about three times as much. If that makes sense. It's not a perfect imitation of meat but it's an imitation of expensive meat.
Cheap whey powder is under £12 a kilo, which works out to about 1.5p per gram of protein.
Practically any vegetarian soup, stew or curry can be substantially bulked up with the addition of lentils, chick peas or kidney beans. They're high in protein, high in micronutrients, dirt cheap if you buy them dried and still bloody cheap if you buy them tinned from a discount supermarket.
If you don't have an Indian auntie restrain yourselves, lads, get on YouTube and learn the basics of Indian cooking. It really isn't hard to make a big pan of something fucking delicious. You'll need a decent stock of herbs and spices, but they're cheap as chips if you get them from an ethnic shop. If you're into bulk cooking, you can do yourself loads of little bags of dal and curry and eat generous thali for pennies a plate.
Failing that, just have some beans on toast with a fried egg and a bit of grated cheese.
>>13184 Whey protein is pricey. Everything else depends where you live. Red split lentils are a decent shot. If you have a good veggie shop, learn the bargain. Eggs are ok-ish, meat only if cooking it is free. If you can buy a 5-10kg bag. Lasts ages, just needs a bit of flavour. 0.56p brown vinegar helps.
Bear in mind that buying food for four people does scale much better than for one, particularly if singlelad doesn't have a spacious freezer or well stocked storecupboard as most families do. ~£50 a month definitely isn't ridiculous for a single person, though you could certainly knock it down to about £30 before you start to get into the rice and beans territory.
Vegetarian lifter here. I used to eat a block of steamed tofu a with a tad of soy sauce every day, that's about 40g-50g of protein. At the moment I'm paying £2.25 for the decent (and firm) stuff, but I can probably get it cheaper elsewhere.
