I cant afford my train ticketsfor work

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I have just moved house (we got a mortgage) and have had loads of extra bills etc to pay the past week. On top of that our first mortgage paymentcame outtoday which is more than usual as it includes initial interest.
I live in preston and work in cumbria - a 40 minute journey and 12.70 train fare (with a railcard). I am working here until 22nd september and start a new better paid job on 25th september -the problem i have eis i cant afford to get to my current job for the next 2 weeks, let alone my new job!
So depending, I have no idea what to do!
Any ideas???

OK, so this is a temporary problem for the next three weeks, brought about because of all the extra large bills that come about when you move house, right?

So everyone doing the "why didn't you" isn't very helpful - every time we have moved we have had a lean first few months because of all the extra costs that mount up.

The simplest thing to do is to get your DP to lend / give you the money. (I'm ignoring the fact he is behaving like a twat for now...) Why won't he?

Brieandchill i agree - completely. But that doesnt really help at this moment in time..

You don't have a commuter problem, you have a DH problem. Why on earth would you link yourself with someone who's financially abusive? Tell him that unless he lends you the cash you need you will default on the mortgage and wreck his credit rating.

Why on earth have you bought a house with that man!! Stop handing your wages over to him...

Sounds like you're being financially abused by your partner, OP. Not much of a partner at all in fact.

I would cancel any direct debits I had going out to the mortgage and make him pay this month or let it default. He needs to step up in situations like this.

Seriously, phone your bank. I have been very broke due to moving before and mine were great about sorting out a short-term overdraft.

Once you've got that sorted, work out what you want to do about your financially controlling partner.

Thank god its not just me olennaswimple! I know hes being pretty unreasonable, its just how he has always been!

You could post on a forum and hope someone sends you the money?

OP.

When you get a chance I'd recommend a thread in relationships.

Are you married?

No idiot would lend money as a result of a post like this surely?!

You'd be amazed Curly

Have you tried splitting your rail ticket? That can work out cheaper. I pretty much halved my rail fares doing that. Or can you go in later/finish later and avoid peak fares??

Ask your employer about a salary sacrifice style loan for a ticket. They will just deduct the cost from your salary each month. This might be a solution?

I'm so shocked your DP won't lend you the money if he has it. That's awful. He'd rather leave you in a fix than lend you a few quid? Especially as it's not a regular thing - you've just bought a house and it takes a while to get on an even keel money wise. A relationship is about teamwork and pulling together particularly when you've just bought a house and there is kids involved.

It may be a longer commute but is there anyway you can travel by bus? I know our buses do weekly tickets for a fraction of the cost of a train?

Good luck

ok your immediate problem is work can you arrange a Temp over draft with the bank, call them, you may be surprised.

Your bigger issue is your partner. Why would you get a mortgage and move in with someone who wouldn't share finances with you never mind even lend you money to get you to work.

You've got a joint mortgage but separate finances? The idea of having to "borrow" money (and be refused ) from someone I shared a mortgage with just doesn't compute, tbh.
Why did you buy a house with him?

Your options are:

• Sell some stuff. Enough to pay for your travel for this job and until your first payday in new job.
• Borrow money from family/friends
• Get DP to help
• Borrow from DS's money box
• Call in sick for current job, then work out a solution for getting to new job.
• pawn something
• get onto council tax and find out why they've taken 2 payments
• get overdraft
• get a loan from bank or payday loan.
• look again at your budget and see if you can trim anything for the next couple of months - outings, clothes, groceries etc.
• use nectar, boots, Tesco points to shop rather than cash.

Will any of these work for you OP?

How much is your daily commute?

Could you get an advance from current employer?

Splitting makes no difference - I looked into that when i first started. Its only 2 stops away so theres no difference in the price.
I already avoid the peak times, I get the 6.40 am train and the 16.20pm home to avoid them! I literally cant wait to start my new job- no more money problems!! Yes my boyfriend is an arse - thats a whole other issue but its not the one im trying to solve rn

How come you posted on mum's net, OP, and not looked at a financial forum like MSE, which would have plenty of advice on what you could do.

Yes, what are HIS suggestions for your predicament?

What about borrowing from family or your ds money box?
As well as spending any supermarket loyalty points etc