I have bit of an issue in that my outgoing are more than my income, and I dont know what to do.
I have a job, in retail, but its only 21hrs a week, and ive just had a payrise on oct 1st to £7.00 an hour, up from £6.89. I do those hours over FIVE days a week (6hrs on a sunday, 3.75hrs Tues-Fri)
Currently, im unable to get any extra overtime at all, as head office "won't give the money to spend on wages", nor am I allowed to work on other departments as ive not been authorised, or due to the hours I already do Im unable to pick up the extra. Its been like this for about 6-7 weeks now, with no sign of changing until maybe dec if im lucky.
Anyway, this is leaving me with an income of £588 approx.
However for expenses, I have approx the following:
£300 a month rent.
£100~ in direct debits and bills.
£20 a week transport.
Credit card bills of £50 a month minimum payments, so usually £100 as that little extra.
That there is basically my entire months income. Then assume I spend £25 a week on food (though its more likely £35 id say), and suddenly im £100 down a month on what im earning at the very least!! So at the moment, im having to get my food on my credit card, which is defeating the repayments.
As far as im aware, im not entitled to any benefits as I dont work enough for tax credits, and too much for low income benefits.
What can I do at the moment though? There are no jobs I could do, at least not on any decent amount of hours. I can't get a second job due to main work 5 days of the week, and I would then not be flexible for either job even if the timings worked out. I have no way of making extra money that I know of.
But even if I survive out this month with whats left in my bank account, I predict by next month, or almost certainly by xmas if things dont change, i'll be going into what little savings I have to keep me afloat.
Thoughts?