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AIBU?

Share your dilemmas and get honest opinions from other Mumsnetters.

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I can't afford to get to work

193 replies

FiscallyChallenged · 16/09/2015 21:46

I was laid off my last job in July, and received my last set of wages (3 weeks worth) at the end of that month. I live in London, and I didn't get a travelcard last month because I didn't see the point if I wasn't going to be travelling every day, and I needed to make my money last as long as possible.
I started my new job last week, and have to pay pay-as-you-go fares to get there and back, which costs £7.60 per day. It would be cheaper to get the bus, but there's never any telling how long it would take- I took one home on my first day and it took almost three hours! I now have £15 left, I'm not paid til the end of next week and I have no idea what to do. It's way too far to walk, I have a bike but it's a bit of a wreck and doesn't have any lights. I'm already surviving on an apple and cup-a-soup for breakfast and lunch. I can't get a season ticket loan as you have to buy the ticket first before you're reimbursed. There's nobody I can borrow money from.

Help! Any ideas?

OP posts:
HunterHearstHelmsley · 18/09/2015 08:30

OP, I am transfer you a few quid. I can't send much but if you take up other offers of help too between us you should be able to sort a railcard.

I've gone from a 2 mile round commute to 24 miles and I wouldn't want to even have to think about cycling that!

Thelushinthepub · 18/09/2015 08:40

You will get a payday loan OP I am promise you.

There are now barriers at Finsbury Park and I was fined whilst 40 weeks pregnant so that's def not true

Thelushinthepub · 18/09/2015 08:44

Maybe OP doesn't want contributions? I wouldnt, advice yes but not money. I'd feel totally shit to have loads of people transferring me £2. I know you mean well but it's not always appropriate

MrsDeVere · 18/09/2015 09:41

This reply has been deleted

Message withdrawn at poster's request.

Alanna1 · 18/09/2015 09:46

You could get foodbank vouchers to help you with food costs and then spend your money on travel. Also, you could think about walking - many distances in London are not as far as they may seem and often faster than a slow moving bus in rush hour. Local GPs, churches, charities can give you foodbank vouchers. There may also be a local credit union.

PressTheAButton · 18/09/2015 09:51

The OP has said she doesn't want contributions. It's a short term problem and its solvable by getting a payday loan.

As long as she pays it back ASAP and then there will be no problem.

It's lovely that people want to send money and, of course, everyone can do whatever they like Wink but I think it encourages trolls. It would take me two minutes to write an OP with a heartwarming sob story. I bet I could pitch it just right. Not grabby sounding and genuine. I think it's wonderful how supportive MN can be to people who are struggle but I think it's a good idea not to do things that will encourage scammers.

OP This obviously isn't directed at you as you have said you don't want anything other than advice.

Hope your trip was ok today. I guess the trip home might take longer than usual.

TiredButFineODFOJ · 18/09/2015 10:01

There's no barriers at walthamstow and finsbury park.

OneBreathAfterAnother · 18/09/2015 10:14

You can get fined as a pregnant woman. There used to be some freedom for the ticket officer if they felt that you had learnt your lesson or that you travelled for "pregnancy related reasons" and couldn't have paid the fare, but that was all scrapped.

I wouldn't risk a tube fine unless payday will mean OP has enough spare money to live and pay the fine, or she could end up back in this situation.

A payday loan really is the best option OP, your credit rating won't be a problem. They prefer people with poor credit because it means they are more likely to make additional interest.

PeasinPod1 · 18/09/2015 11:04

OP- sorry if this has been answered but do you have a credit card? As you could at least touch in/touch out on the tube and pay for your travel this way by card as you go along- even if you can't use a debit card as nothing in your account?

MrsDeVere · 18/09/2015 11:25

This reply has been deleted

Message withdrawn at poster's request.

Thelushinthepub · 18/09/2015 11:25

Tired but fine when were you last at Finsbury Park? I was there about a week ago, the barriers are installed although they hadn't yet started operating them but there was a sign to say they would be operational from the next day?

ImperialBlether · 18/09/2015 11:51

Could your partner ask for an advance on his wages?

scifisam · 18/09/2015 12:01

Even if the OP could manage to farehop most of the way to work it wouldn't be worth it - they do check on those lines sometimes, even on the trains themselves, and it's not worth the risk of turning up to work very late because you broke the law.

IME the bus routes on that journey from North East to Central London can take an extremely long time and it's hard to predict how long they will take; they're not good for work with a definite start time.

So I'd suggest getting the overland train instead down to somewhere like Bethnal Green overground (not sure where your line goes to but if you start in zone 2 and stay in zone 2 for the whole journey then you pay the same price even if you change), or somewhere else that's still in zone 2, and walking from there.

It'd be about half an hour in busy traffic to walk from Bethnal Green overground to the city - busy traffic also slows down pedestrians due to more people on the pavement and longer waits at crossings. It would still be cheaper than multiple bus journeys and far quicker and more reliable. Put something good on your headphones and think of it as exercise that, unlike cycling a long way, doesn't require a shower at the end.

Going back, you could walk further to get to one slow bus that takes you all the way home for one fare - you have more flexibility there.

BTW, WRT JSA, if the OP didn't have enough contributions paid in for contributions-based JSA, either due to previous unemployment or previous low pay, then she would have had to claim income-based JSA and wouldn't have been entitled to it. Don't know if that's your situation, FiscallyChallenged, but someone else said that "something doesn't add up" based on what they thought they knew about JSA.

It could also be that you didn't know that you could claim, but that doesn't help you now. The jobcentre doesn't offer help to get to a new job any more anyway and crisis/community care grants are pretty much gone.

Thelushinthepub · 18/09/2015 14:25

The OP isn't going to be able to get to and from zone 4 to Bethnal Green for 7 days for £15

FiscallyChallenged · 18/09/2015 22:29

Hi all

My rescue came today in the form of a late birthday cheque from a relative- it's enough to get a one week travelcard. Still going to be on the cup a soups but hey, I could do with losing a few pounds Wink

I would like to say that I've been so touched with how kind everyone has been, offering their advice and in quite a few cases their money. I could never have taken it, but it just goes to show for all the criticism that MNers really are a bloody good bunch. I'm really grateful to all of you Flowers

OP posts:
PressTheAButton · 18/09/2015 23:08

That's brilliant news. Smile How long does it take to cash? I haven't seen a cheque for years

How was your journey today? Not too bad I hope.

ML29 · 19/09/2015 07:56

Happy for you.

I was just going to say that you should accept the offer from the Mners and then pay it forward, once you get your wages.

Unreasonablebetty · 19/09/2015 23:42

Glad you have managed to get your travel sorted. We are often in the same position ourselves.

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