To ask landlord if I pay the rent late?

[needtogobacktowork]

Hi, our rent is due today but we are a little short after paying an unexpected bill and also DH taking a week off work when the babies were ill to help look after them.

I have enough to pay it but it will leave us with nothing to live off for the next to weeks. Do you think it's a reasonable request if I ask to pay £100 less and catch up in 2 weeks when I get my maternity pay?

We have no previous rent arrears and have been in the property did over s year but he was also out landlord ar our last property so we have known him s while.

I don’t see any harm in asking as long as your prepared to pay if he says no. Could you access a food bank etc instead?

No harm in asking. Be upfront, call him first thing and discuss options.

But prepare for him to say no.

You can only ask and see what they say. Tell them all the details and hopefully it will be ok. I would if I were in their position as you are paying most of it.
Sorry you're in this position x

Speak to them asap. Im a landlord and i wouldnt have a problem with this

No harm asking although more notice would have been better. Do you have any clubcard points etc you could spend?

You can ask but he may be depening on that money too.

Don't you have a credit card you could use for your shopping this week and pay the rent? The rent is always out no 1 priority.

You can ask but it may be held against you for future references etc.

If you don't have a credit card, get one. They're useful for situations like this.

No harm asking but for many landlords that rent is needed to cover the mortgage so it could well be impossible for them

Don't know if you've anyone to borrow from, but I'd rather ask friends or family than my landlord. If I could...

Honestly, I'd avoid this like the plague. If do anything you could before you are late with rent - what if he decides you're unreliable and starts the process of eviction?

This is the most important bill you'll ever pay.

Can you borrow from friends or family?

You can ask but be prepared for him to say no.

I’m a landlord and would agree to that, no harm in asking. Be sure to emphasise exactly when you will be able to pay (and stick to it!).

I disagree that there is "no harm in asking." It may very well be true, but not all landlords are understanding. Regardless of whether they agree (which they quite probably will), it flags up to them that you have money worries. This may be a one-off, but the landlord knows that you don't have savings to fall back upon if things get tight again in the future.

Personally I would pay the rent above anything else. Is there anything you could sell, or could you take out a credit card or payday loan? Yes the interest rates may be obscene, but short term pain may be better than the long term trouble that could potentially be generated if your landlord decides you are too much of a risk.

If I was your LL I would rather you paid me slightly less and contacted me to tell me when you will be able to pay the difference

It's the lack of contact that creates the problem. I feel do sorry for the young families trying to struggle when rents take a large amount of the family budget

Don't get a payday loan that's irresponsible advice!!! Get a credit card, many offer interest free for 2 years!

my tenant does this all the time, she's on housing benefit and is always behind on her share of the rent. The first time she asked I should have refused. As a landlord I keep the house well maintained as a tenant you need to pay your rent on time.

I would have been fine with this when I was a landlord, as long as you were a good a tenant

I’d try not to take this route. It may ring warning bells for your landlord that you can’t afford the rent.

I’d be really wary of doing this. Even if the landlord says yes you run the risk of them not renewing your tenancy as they’ll think you’re unreliable and the rent is too expensive for you. And then as money is tight and you’re currently on maternity leave you might find it very difficult to find another flat.

Do you have any other option? Family/friends that might be willing to lend you some money or buy you a big food shop to ride you over?

And not flaming you at all as your situation sounds very difficult but if money is that tight then your DH needs to be going in to work, even if the DC are unwell.

Many LLs would not like this and it would tell them you clearly have issues with money.

With two children and only one adult currently working you need to have a contingency plan. Rather reckless to have another child with no savings meaning one extra bill means you can't pay your rent.

What was the unexpected bill? You pay rent first, always rent first. Do you have family who could sub you food money instead?

I wouldn't, rent should always take priority. Surely you know someone who's in a position to lend you £100 for a couple of weeks?

@StressedOut1701 lots of people don’t have credit cards and many many people don’t have credit ratings that let them get 0% cards, often the only ones for people with lower earnings also have very high interest rates. Don’t just assume they’re an option for everyone.

It’s the frustrating the paradox that the more money you have, the easier it is to get money.

If you were on maternity leave why did DH take a week's unpaid leave to help look after the babies? A tough week for you yes, but I would have sent mine off down the mine with his pack up and hob nail boots if it meant the rent was paid. even if I laid in bed with two sick babies for a week.

As a landlord I would be concerned that it shows poor management of finances and would set a precedent to ask every month and I'd be setting myself up to be messed around more and more over time in the future.

So I'd borrow from friends for the shopping.