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sombreroloco

Working In Hammersmith. Commuting Form Where?

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Hello,

I have a job interview lined up in a few days for an entry-level job in Hammersmith.

I have avoided applying in the London area because I know most the time it's not worth moving there without a very good income in hand, but I am in my 40s and out of work for some time and I can't really afford to overlook this opportunity and I don't even qualify for benefits any more (probably WTC but I'm not sure).

I need your expert advice.

Key points:

- Role and company are nice, but...

- the job pays in the region of 20K/year

- Single, so I could share, but at my age?

- It could restart my career in the field.

- I would have early/late shifts, so I'd have to rent something either in the area or somewhere commutable with public transport available 24/7 (I don't drive).

- I hate Hammersmith like the plague and it's terribly expensive (last time I was there in 2004 and I have nightmare memories of fights and confrontations)

So at the moment the only reason I could accept this role, if offered, is to restart my career and get some references but this would drain my warchest (which is getting smaller by the day).

Any way that this could be a profitable opportunity? Could I move somewhere in suburbia and be able to commute 24/7?

Would all my net income be swallowed by accommodation and transport?

Thanks

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Mmm, looking tricky. The salary rules out staying in a Premier Inn or somesuch and the cheaper further out bits don't have 24 hour public transport as I knwo too well - a few expensive cab rides when I lived there!).

Couple of thoughts:

YMCA if there is one - when I started work one of the girls lived in a YMCA at Regents Park - best address by a mile!

Affordable (means 80% of market rent) rented flat from a housing association - people think you need to be destitute / on the register for ages to get these but not so. Get on the register and then keep an eye on Gumtree where many are listed with a three / four day window for bids, I know lots of people with zero qualifying points get these because they're the only bidder.

And get a bike.

It will be hard on that money in London but you need to (re) start somewhere.

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Couple of thoughts:

YMCA if there is one - when I started work one of the girls lived in a YMCA at Regents Park - best address by a mile!

.

Now that you remind me. There used to be (I'm talking of late '90s, early 2000's) a few cheap hostels in Earls Court, Barons Court. I stayed there a couple of months, I used to pay £90 a week (of 15 years ago). But my wages were really low and I would still make some living out of it. I probably had fewer expectations in life.

I left because I ended up in fights with Aussies/South Africans.

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I'm sure you don't need me to tell you this, but it'll be tough.

Bike - a 5 mile radius will be doable even if you are not particularly fit. Hard work for the first few weeks, but you are coming into better weather now.

Shared house - the housing market in London means lots of people in their 30s/40s are still sharing. It will eat a lot of your cash though.

Give yourself six months and then look for better job/place to live. Once you're in London, it's easier to find other work.

Good luck to you, mate. Most of us in work don't appreciate it, but many are but 6-12 months away from being a similar position.

Edited by StainlessSteelCat

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Not sure I'd want to do that in my forties. You're going to have to share wherever you live down there.

If biking is out of the question, and you can't find a room within walking distance, make sure you live on a bus route. A direct route into Hammersmith from way out west/north west London may be doable. A long commute, and at the mercy of the traffic, but having to change buses will just add to the commute time and the inconvenience. At least staying on one bus you could grab a nap!

Tube travel will probably be too expensive for you, so go for a bus season ticket.

Edited by Eddie_George

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dunno.

there's that thing where you can rent out a room to a lodger, tax free, for up to about £80 a week or something, so easily affordable for someone earning £20k.

might be an option for you if you can find something? a nice old lady somewhere?

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20k / year so that would be around 1350/month net. Target rent should be 400/month max? That's what I would like to aim. So that leaves you with 900 ish for bills food and others. You can get bed sit or tiny studio flat within walking distance but it won't be the nicest part of London or accommodation quality. But as you'd hope it can be profitable, just ... If you push your expense down.

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This is London and 2014. To share in your 40s as a single man is nothing out of the ordinary. Sure, some people might feel that it doesn't match their own social norms.

I was sharing with people in their early 40s when I was in my 20s and we got on well, even socialised a fair bit. It is always luck of the draw and I understand that it can be hard to return to shared accommodation when you haven't been used to it for a while.

You should be able to get something for £400-450/month if you look around, maybe on one of the bus routes or easily accessible by bike.

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This is London and 2014. To share in your 40s as a single man is nothing out of the ordinary.

Sorry, but it is. Its hugely unusual and would probably have a negative impact on your dating life.

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Actually this kind of makes me ill, but from playing around with the calculator, it seems that as a single person with no dependents living in a one bedroom flat in Hammersmith with less than £6k in savings, you would be 'entitled' to £5600/year in benefits under Universal Credit. So you should probably look into that, because it would solve your housing problem.

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20k / year so that would be around 1350/month net. Target rent should be 400/month max? That's what I would like to aim. So that leaves you with 900 ish for bills food and others. You can get bed sit or tiny studio flat within walking distance but it won't be the nicest part of London or accommodation quality. But as you'd hope it can be profitable, just ... If you push your expense down.

No chance I would get accommodation in London for £400 a month. Not even in the poor urban areas of the West Midlands you can get that price. I see sharing a flat in West London from £160-170 a week.

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Also if you earn £20k/year then you are probably entitled to some housing benefits. From a quick skim of the calculator here, it looks like you might get £1500/year or so tax free: http://www.entitledto.co.uk

welcome to the insanity that is london

I'm confused, because with this other tool:

http://www.quickcalc.co.uk/nihe/

I should receive no HB. However I was asked if I also receive WTC and I said yes, estimating a possible £40 for WTC. I didn't imagine WTC counted as taxable income. You usually either get social security and/or HB, or only WTC.

Rules will change from April and I haven't caught up with the changes because I never though it would affect me one day (silly, eh?).

At the end I have decided that if I was offered the job, I would take it anyway.

It's probably better to have a job in hand than no job in hand, whichever the financial consequences.

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Sorry, but it is. Its hugely unusual and would probably have a negative impact on your dating life.

Maybe in your social circle but unfortunately, with the reality of London property prices and the large number of people on modest salaries, it's not hugely unusual.

Most of the single guys who work for my catering company live in shared accommodation.

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I'm struggling to find the first tube to Hammersmith (either lines). The TFL site is rubbish and any search results in an error.

You are normally looking at about a 5am start on the tube, so Piccadilly Line from the west would get you there by about 5.20, Hammersmith & City from the east by about 6.00.

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Sorry, but it is. Its hugely unusual and would probably have a negative impact on your dating life.

I disagree I have a female friend who is 40 something and still lives at home.

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