How can I make £1000 quickly?

It's hard to advise any further without knowing more about your income and expenditure. If you're paying back non-priority debts, that could make a huge difference, for example. Is pride standing in the way of you asking someone for help, possibly?

There are jobs you can do online, like transcribing and proof-reading, but I'm not sure how quickly those would start to pay. Might be worth thinking about.

Can you buy a cheap bike until you can save up for a car?

I was never trying to make my point relevant to yours. I was continually pointing out its irrelevance despite you repeating the same information and saying it was relevant.

Honestly? Does it even matter? What do you actually want here? I continually repeated you'd made a great point that I agreed with you for you to be quite rude and argumentative until I honestly just can't be arsed with it. I'm not saying I wasn't rude and argumentative but I just don't see what you're doing.

'm also not willing to get into debt with the companies!

a small fixed term loan with the bank you use won’t ‘get yoU into debt with the companies’

a small controlled loan is the most feasible way to end this stress

look I get it and no one wants ‘debt’
but a small fixed term loan isn’t anyway like getting into credit card debt (worse ) or a payday loan (even worse !)

and let’s hope the universe finds a way

@Peacheroo

You are essentially discussing turtles being green and then saying yeah but the sky is blue. It is. Great point. But it's not really fucking relevant

Wow. Thanks for your fucking well phrased fucking opinion that wasn't relevant to my fucking point fucking either! Invested much?! 😂

Sorry OP. I hope you find a solution. Have any of the ideas so far helped? If any of them sounds potentially useful, we might be able to help you further down the same path?

Sorry to throw your thread.

If you do have £3/400 from scrap and if you're willing to change your bank that's £5/600 so half way there. I changed banks to first direct (£175 - NatWest pay more but that's who I moved from) and I was surprised how quickly they paid (I wouldn't recommend FD as a bank) but I planned it around payday so once it completed the money was paid the next day or so.

As part of that bank change you could look at overdraft? I know it doesn't solve the problem but it's closer!

If the scrap value of the car is £300-£400 then you'll need another £600? Is this less than the cost of the repair? In terms of raising the money the obvious would be family members, followed by selling anything you can. You could also look into the possibility of charitable grants/loans. Citizens Advice could help you identify potential trusts. Obviously the trust would have to be assured you were in the situation through no fault of your own and had tried every alternative. If you felt uncomfortable you could always donate it back when your situation improved. Unfortunately though it would take a while for an application to be processed so not an immediate solution.

@AnneValentine they do. On pay day. If they earn that much. If they don't, they move it out and back in. It is then free to be used on the bills. But the criteria (that £1250 was deposited) has been met so op gets the cash back. There is no laying around.

The Royal Mail are short staffed over Xmas, so may have some casual roles: https://christmasrecruitment.royalmailgroup.com/

How many fucking times can I say I agree with your point but it's not relevant to previous conversation PP and I were having - for you to then just repeat your irrelevant point. I know the bailiffs aren't coming if you discuss it with the companies.

They are due on the same ratio unless you change the ratio. Pp thinks at the same ratio you can do both. You can't if there is no spare money. That's my point. And in that point there is no mention of Chang the ratio.

You are essentially discussing turtles being green and then saying yeah but the sky is blue. It is. Great point. But it's not really fucking relevant.

I give up.

The fastest way is to get a loan

start with your own bank via online banking

then use the other money making ideas in parallel to boost income in parallel

the payments will not be that high over a longer term , you are looking at about £30 a month

What like your belief that someone has £1250 just sitting in their bank account 😂

@Peacheroo

The bills and salary are not due on the same ratio. The salary is paid once per month. The bills can be paid £1 per month over the next 80 years. Which bit are you struggling with? What do you think the utilities companies will do to OP if she tells them, and proves to them with an income and expenditure sheet, that she can't afford to pay her bills? Cut her off? Send bailiffs? CCJ?

What is the actual problem, in your eyes, in splitting an amount to pay back over 80 years to save your job, as compared to losing your job in order to pay your bills on the schedule that EDF decided you should?

I really am slinking off after this but @AnneValentine you might have been better asking the OP if she has money in her bank account for bills that she could redirect to the car, and offering that advice, rather than assuming she’s totally brassic with 10p to her name such that she cannot possibly take advantage of a bank switching offer abd bring a bit patronising towards my suggestion, offered in good faith. You’ve made a lot of arguments on your ‘belief’ that I don’t see supported in the OP’s posts. But hey ho.

Obv I attempted a 1. 2. But the app does what it wants

I don’t believe she does, because as already stated if she had that money she could get the car and spend longer getting together the money for bills. She could also contact utility companies and request a change in payment plan etc.

1. I'm going to guess theyre due within a month.

1. Your point about the utility companies not demanding the money(which is a great point that I agree with and understand they won't do) is not relevant to my point that the bills and salary are on the same ratio so cannot cover a random £1k in the middle. (Which pp says it can because it gives an extra week - if no additional money is coming within that week it makes no difference)

For example
Bills
Salary
Bills
Salary.
All good in an infinite cycle for the rest of time.

Or
Bills
Salary
Random £1k
Failed bills
Salary
Bills
Salary

OK, well to begin with your objection was she didn’t have £1,250 and you gave me a 🙄for good measure, so I tried to explain the process, then you said it still wouldn’t work because she still didn’t have the money so I tried again and now your objection is that it’s not instant… No, it’s not instant and no, it doesn’t solve the whole problem as it’s only £200. But it was just a suggestion and you’ve spent a fair bit of time saying it’s useless advice whilst offering what alternative advice? I may have missed it. I’m glad you agree it will work for an extra £200 at some point fairly quickly and I hope OP gets sorted and I’m slinking off elsewhere now. Merry Christmas!

The £1k is not spare and cannot be replaced in time before the original bills are generated/due

When do you think they're due, @Peacheroo ? The loss of £1000 can be paid back at £1 per month until OP does have 'spare' money, or over the next 83 years, if she doesn't have 'spare' money. Raising £1000 over 83 years is much easier than raising £1000 in a week. Your argument is based on the fact that the utilities companies are going to do what, if OP tells them she's struggling and can't pay in full right now?

Setting up a new bank account and transferring all that money and getting the £250 takes more than 5 working days. It’s not instant.

I am not insistent it won’t work to her £250 at some point. I’m insistent it won’t work to get her the money within a week which is when she’s stated she needs it.

So yeah - delaying paying this month’s bills is an option. But it’s only kicking the can down the road on extra debt to be paid back (just this time to utilities etc) and OP is trying to avoid accruing debt if possible.

Bank switching is an option, and it’s a free £200, but £800 still to find. That’s about the sum of the argument?

Both = pay for the car with £1k and pay the bills.

PP is saying OP can use her salary to pay for the car and then the next salary to pay for the bills. PP has not mentioned delaying the bills as you have. My viewpoint is that if she uses her salary to pay £1k for the car, some or all bills will have to be missed because bills and salary happen at the same ratio. The £1k is not spare and cannot be replaced in time before the original bills are generated/due. Having the £1k a week before the bills are due simply means you have a further week to replace the £1k but the £1k cannot be replaced in a week because it was not spare.

I'd hope if you read both our comments it would make sense. Also hoping it makes more sense after reading that. I've tried to say it a thousand ways to make sense to PP so possibly it's me but it makes sense to me. OP cannot pull £1k out of her arse to pay for the car without her bills being delayed as PP suggests.

I really think you’re not understanding how bank switches work.

You don’t need to KEEP £1,250 balance in the bank account for the Nationwide switch offer.

To get £200 from Nationwide you must switch your bank account to them via the switching service, with at least 2 direct debits set to pay out. The £1,250 will include your current bank balance, and any money that gets paid to you. Most working people will manage this easily.

You have £1500 in the bank for bills. You can’t buy a car because you need the money for bills. Correct.

But you can move your bank account and they will guarantee the bills are paid out. It’s part of the switching service.

Then you get £200 towards your savings for a new car.

I’m not sure why you’re so insistent this isn’t possible when it’s literally the whole process that loads of people do regularly. There is a guaranteed process - CASS - which fixes it all automatically with no input from you other than making the application. Look it up.