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Right way to ask for financial help [closed]
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I'm financially stuck, In that situation how should I approach my manager(most probably this is the one time approach and hope it will never happen to me again), it's really hard for me to ask my salary in advance. What is the professional way to ask for financial help?
salary work-life-balance manager
asked Mar 10 '14 at 6:29
Bala
129118
closed as unclear what you're asking by CMW, jcmeloni, Monica Cellio♦, Jim G., Rhys Mar 11 '14 at 8:30
Please clarify your specific problem or add additional details to highlight exactly what you need. As it's currently written, it’s hard to tell exactly what you're asking. See the How to Ask page for help clarifying this question. If this question can be reworded to fit the rules in the help center, please edit the question.
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up vote
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I'm financially stuck, In that situation how should I approach my manager(most probably this is the one time approach and hope it will never happen to me again), it's really hard for me to ask my salary in advance. What is the professional way to ask for financial help?
salary work-life-balance manager
asked Mar 10 '14 at 6:29
Bala
129118
closed as unclear what you're asking by CMW, jcmeloni, Monica Cellio♦, Jim G., Rhys Mar 11 '14 at 8:30
Please clarify your specific problem or add additional details to highlight exactly what you need. As it's currently written, it’s hard to tell exactly what you're asking. See the How to Ask page for help clarifying this question. If this question can be reworded to fit the rules in the help center, please edit the question.
1
please elaborate your question as it is not framed well. please tell us know are you asking him money as a advance or asking money from him personally?
– suhas
Mar 10 '14 at 6:39
@shaan not from him personally! and updated my question
– Bala
Mar 10 '14 at 6:43
11
Whatever you do, don't ask for more money because you need it. A lot of people seem to have this mentality, but it doesn't work this way. You are paid based on the value you provide to the company, not based on how much you need.
– Andreas Bonini
Mar 10 '14 at 14:17
Also specify whether you need a salary advance and some work has already be performed, or, you need an advance on work that will be performed. The former is more probable to succeed.
– Quora Feans
Mar 10 '14 at 18:35
4
I think geographical identification will help get you better answers. My ex-company had no policies in place for US employees but would help employees in third world countries with their 'downpayments' in buying a car/house (with 0% interest free monthly payments! )- so it was in the policy for an employee to ask for financial help
– happybuddha
Mar 10 '14 at 23:18
 |Â
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up vote
4
down vote
favorite
up vote
4
down vote
favorite
I'm financially stuck, In that situation how should I approach my manager(most probably this is the one time approach and hope it will never happen to me again), it's really hard for me to ask my salary in advance. What is the professional way to ask for financial help?
salary work-life-balance manager
asked Mar 10 '14 at 6:29
Bala
129118
I'm financially stuck, In that situation how should I approach my manager(most probably this is the one time approach and hope it will never happen to me again), it's really hard for me to ask my salary in advance. What is the professional way to ask for financial help?
salary work-life-balance manager
asked Mar 10 '14 at 6:29
Bala
129118
edited Mar 12 '14 at 8:19
asked Mar 10 '14 at 6:29
Bala
129118
asked Mar 10 '14 at 6:29
Bala
129118
asked Mar 10 '14 at 6:29
Bala
129118
129118
closed as unclear what you're asking by CMW, jcmeloni, Monica Cellio♦, Jim G., Rhys Mar 11 '14 at 8:30
Please clarify your specific problem or add additional details to highlight exactly what you need. As it's currently written, it’s hard to tell exactly what you're asking. See the How to Ask page for help clarifying this question. If this question can be reworded to fit the rules in the help center, please edit the question.
closed as unclear what you're asking by CMW, jcmeloni, Monica Cellio♦, Jim G., Rhys Mar 11 '14 at 8:30
Please clarify your specific problem or add additional details to highlight exactly what you need. As it's currently written, it’s hard to tell exactly what you're asking. See the How to Ask page for help clarifying this question. If this question can be reworded to fit the rules in the help center, please edit the question.
1
please elaborate your question as it is not framed well. please tell us know are you asking him money as a advance or asking money from him personally?
– suhas
Mar 10 '14 at 6:39
@shaan not from him personally! and updated my question
– Bala
Mar 10 '14 at 6:43
11
Whatever you do, don't ask for more money because you need it. A lot of people seem to have this mentality, but it doesn't work this way. You are paid based on the value you provide to the company, not based on how much you need.
– Andreas Bonini
Mar 10 '14 at 14:17
Also specify whether you need a salary advance and some work has already be performed, or, you need an advance on work that will be performed. The former is more probable to succeed.
– Quora Feans
Mar 10 '14 at 18:35
4
I think geographical identification will help get you better answers. My ex-company had no policies in place for US employees but would help employees in third world countries with their 'downpayments' in buying a car/house (with 0% interest free monthly payments! )- so it was in the policy for an employee to ask for financial help
– happybuddha
Mar 10 '14 at 23:18
 |Â
show 5 more comments
1
please elaborate your question as it is not framed well. please tell us know are you asking him money as a advance or asking money from him personally?
– suhas
Mar 10 '14 at 6:39
@shaan not from him personally! and updated my question
– Bala
Mar 10 '14 at 6:43
11
Whatever you do, don't ask for more money because you need it. A lot of people seem to have this mentality, but it doesn't work this way. You are paid based on the value you provide to the company, not based on how much you need.
– Andreas Bonini
Mar 10 '14 at 14:17
Also specify whether you need a salary advance and some work has already be performed, or, you need an advance on work that will be performed. The former is more probable to succeed.
– Quora Feans
Mar 10 '14 at 18:35
4
I think geographical identification will help get you better answers. My ex-company had no policies in place for US employees but would help employees in third world countries with their 'downpayments' in buying a car/house (with 0% interest free monthly payments! )- so it was in the policy for an employee to ask for financial help
– happybuddha
Mar 10 '14 at 23:18
1
1
please elaborate your question as it is not framed well. please tell us know are you asking him money as a advance or asking money from him personally?
– suhas
Mar 10 '14 at 6:39
please elaborate your question as it is not framed well. please tell us know are you asking him money as a advance or asking money from him personally?
– suhas
Mar 10 '14 at 6:39
@shaan not from him personally! and updated my question
– Bala
Mar 10 '14 at 6:43
@shaan not from him personally! and updated my question
– Bala
Mar 10 '14 at 6:43
11
11
Whatever you do, don't ask for more money because you need it. A lot of people seem to have this mentality, but it doesn't work this way. You are paid based on the value you provide to the company, not based on how much you need.
– Andreas Bonini
Mar 10 '14 at 14:17
Whatever you do, don't ask for more money because you need it. A lot of people seem to have this mentality, but it doesn't work this way. You are paid based on the value you provide to the company, not based on how much you need.
– Andreas Bonini
Mar 10 '14 at 14:17
Also specify whether you need a salary advance and some work has already be performed, or, you need an advance on work that will be performed. The former is more probable to succeed.
– Quora Feans
Mar 10 '14 at 18:35
Also specify whether you need a salary advance and some work has already be performed, or, you need an advance on work that will be performed. The former is more probable to succeed.
– Quora Feans
Mar 10 '14 at 18:35
4
4
I think geographical identification will help get you better answers. My ex-company had no policies in place for US employees but would help employees in third world countries with their 'downpayments' in buying a car/house (with 0% interest free monthly payments! )- so it was in the policy for an employee to ask for financial help
– happybuddha
Mar 10 '14 at 23:18
I think geographical identification will help get you better answers. My ex-company had no policies in place for US employees but would help employees in third world countries with their 'downpayments' in buying a car/house (with 0% interest free monthly payments! )- so it was in the policy for an employee to ask for financial help
– happybuddha
Mar 10 '14 at 23:18
 |Â
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4 Answers
4
active
oldest
votes
up vote
30
down vote
accepted
It's not your manager's job, or your company's job, to sort out your finances. You are responsible for them. However rarely the company might agree to help you with financial difficulty. This is really only likely in urgent or critical circumstances, like an unexpected serious illness. The company might then make an advance on your wages. But that's not guaranteed, and it's certainly never going to happen more than once. Approach HR, not your manager.
The thing that worries me in this question is the word "sometimes". It usually implies something that happens unusually but repeatedly. If you are repeatedly in financial difficulty you need to sort it out so that you are not.
A larger company sometimes has employee counselling services, which can include financial counselling. If they do, then take advantage of them.
Under no circumstances ever ask your manager to lend you money personally. It's a conflict of interest for both of you, and even asking might bring you problems.
answered Mar 10 '14 at 6:45
DJClayworth
41.5k989147
DJ please consider the word sometimes => rarely.
– Bala
Mar 10 '14 at 6:49
14
@Bala I believe "more than once" is too often. Even 'rarely' is probably more times than a company is going to want to do.
– DJClayworth
Mar 10 '14 at 6:51
4
@Bala So you get paid a week early, next month you now run out of cash earlier again because you spent it all in 3 weeks when the month has 4, so now you want your salary 2 weeks early? Soon you'll want an extra month every few months because you ran out of money before the month even started. That's how people end up bankrupt.
– jwenting
Mar 10 '14 at 14:30
1
Also, get on a written budget. My last late fee, overdraft fee, and line of credit charge happened 26 months ago, the day I started writing out to the very last cent where all my money was going to go every month. Do this, and it's the first step to never having to embarrass yourself by asking your employer, or anyone, for money. Also, you need an emergency fund for tough times so you aren't relying on debt.
– jmort253♦
Mar 11 '14 at 3:10
1
@RaduMurzea Because one of you now has a hold over the other that might allow you to influence the other.
– DJClayworth
Mar 11 '14 at 12:50
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9
down vote
As an employer, I would say off the bat that you are asking the wrong person.
It would be different if the financial issues stemmed from your employment (large petty cash payments, travel etc) but I don't think that that is the case from your question.
If you are having trouble managing your (short-term) personal finances you need to talk to your banker, not your employer. You may need an overdraft or personal loan.
If you are having trouble over the long term then you are living beyond your means. In that case you need to:
- Ask for a raise
- Get a higher paying job
- Spend less.
answered Mar 10 '14 at 6:39
Dale M
1,1051612
9
Asking for a loan of any form (including formal overdraft) is terrible advice. You cannot loan your way out of personal debt.
– Gusdor
Mar 10 '14 at 9:55
5
@Gusdor Salary in advance is a loan. Just not from bank but from employer. OP is asking for a loan already, and Dale is right that loans come from banks not employers.
– Agent_L
Mar 10 '14 at 10:04
4
@Agent_L I should a rephrase then. Asking for an loan in which the repayment is greater than the loan value is terrible advice. It is not sustainable. Depending on who you talk to, a loan is defined as a borrowed amount whose repayments include interest. A salary advance does not.
– Gusdor
Mar 10 '14 at 10:19
3
@jwenting, many of us do not live in places with mass transit. I would agree that you shouldn't buy more car than you can afford, but to say there is always an alternative to having a car is just ignorant.
– HLGEM
Mar 10 '14 at 15:09
3
Public transport does not exist when you live in rural West Virginia - 15 miles outside of town. And where I currently live, yes there are busses, unfortuntately I don't live and work in the same city and the busses do not connect. There are not always alternatives and to say there are is foolish. Further, for women, public transportation is often also the dangerous alternative. Far better to have a car loan than to be raped or beat up.
– HLGEM
Mar 10 '14 at 16:35
 |Â
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up vote
4
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Another reason not to ask your company for an advance is that companies do not like employees who are in financial trouble. They are the ones who tend to a greater risk for stealing from the company. Asking for an advance for anything less than my child just got diagnosed with cancer is a huge risk that you will be put on the list of employees to get rid of at the first opportunity.
This is also a reason to get your act together as it will be much harder to get another job if you have financial problems.
answered Mar 10 '14 at 13:11
HLGEM
133k25227489
3
I think thatcompanies do not like employees who are in financial troubleis an unfounded claim, the companies I know don't care about your financial situation at all (it's none of their business, too). Also, claiming that people who are in financial trouble arethe ones who tend to a greater risk for stealing from the companyis an inaccurate and prejudiced point of view in general.
– Frerich Raabe
Mar 10 '14 at 23:25
@FrerichRaabe, this is the real world where companies do care about this stuff, that is why they ask for credit reports in hiring a lot of places. And yes they have been known to fire people in financial trouble for just the reason stated, especially if the person has access to confidential records or company money in any way shape or form. It is also why a lot of government security clearances are denied. You may not like it (I personally think they go overboard on this) but many companies operate this way.
– HLGEM
Mar 11 '14 at 15:23
If this is the real world for you, then I can probably only feel sorry for you. I've never had a job which asked for a credit report. In fact, I'm not even sure that would be legal in many countries (especially Europe). Companies have a hard time attracting talent, the last thing they care about is how people decide to spend their money.
– Frerich Raabe
Mar 11 '14 at 17:00
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up vote
4
down vote
What is the right way to ask for my salary in advance?
Assuming you've determined that your employer is the best resource you have to resolve your situation, and that it's appropriate to do so given your position and culture, there's no harm in asking in whatever way you feel comfortable.
However, your success will depend in part in how you ask, so here are some suggestions:
- State the amount you need in advance. Don't ask for the full paycheck in advance, only what you need.
- Explain that this is a one-time only situation, and without explaining the details of your personal problem, express that you're doing this only because you have already exhausted all your other avenues of support.
- Describe how you'll deal with the lack of paycheck, or reduced paycheck, when the next pay period comes - this way they know you aren't going to be back asking for a continuous advance, that you will "pay" it back immediately by working, knowing you've already received payment.
- Through your conversation, assure them that you'll be sticking around and working without outright stating it. Expressing your love for this job, that you are glad to come to work, that you have family and obligations that will keep you in the area may assure them that you won't quit as soon as they hand you the check.
- Hopefully you've worked with them without problem for years already, and this is the first time you've come to them for help. If you haven't worked for them for long, or you have already received help from them, this will be much more difficult.
- If you have paid vacation days they may be willing to "pay out" some of those days so your regular paychecks don't stop or become reduced.
- Be reasonable. If they only cut checks once a week on Friday, asking them for a pay advance on Monday for a bill due Tuesday isn't going to happen, and becoming angry when they offer you an advance, but refuse to give it to you in cash or immediately will not help you. Sometimes you can get a letter from them indicating the plan which you can take to the person you owe money to, and convince them to extend your due date based on the promised early payment of your paycheck. It's difficult, but you're already asking for a payment advance, it's not much more work to ask for a billing delay without penalty.
Critically, I think it's important to focus on the fact that this is an emergency, it's a one-time situation, that it's a smaller amount than your full paycheck, and you have plans to avoid this situation in the future.
In general I don't suggest an appeal to their humanity, by describing the terrible situation you have fallen into. A short explanation saying that it's an emergency should be enough to help them make their decision, without forcing them to feel like a monster for refusing you. You don't want to make your employment situation bad. Make sure they understand that while you need this help, if they refuse it won't alter your work or working relationship.
answered Mar 10 '14 at 21:47
Adam Davis
7,73111534
2
In my opinion, this is the most well rounded answer.
– happybuddha
Mar 10 '14 at 23:21
add a comment |Â
4 Answers
4
active
oldest
votes
4 Answers
4
active
oldest
votes
active
oldest
votes
active
oldest
votes
up vote
30
down vote
accepted
It's not your manager's job, or your company's job, to sort out your finances. You are responsible for them. However rarely the company might agree to help you with financial difficulty. This is really only likely in urgent or critical circumstances, like an unexpected serious illness. The company might then make an advance on your wages. But that's not guaranteed, and it's certainly never going to happen more than once. Approach HR, not your manager.
The thing that worries me in this question is the word "sometimes". It usually implies something that happens unusually but repeatedly. If you are repeatedly in financial difficulty you need to sort it out so that you are not.
A larger company sometimes has employee counselling services, which can include financial counselling. If they do, then take advantage of them.
Under no circumstances ever ask your manager to lend you money personally. It's a conflict of interest for both of you, and even asking might bring you problems.
answered Mar 10 '14 at 6:45
DJClayworth
41.5k989147
DJ please consider the word sometimes => rarely.
– Bala
Mar 10 '14 at 6:49
14
@Bala I believe "more than once" is too often. Even 'rarely' is probably more times than a company is going to want to do.
– DJClayworth
Mar 10 '14 at 6:51
4
@Bala So you get paid a week early, next month you now run out of cash earlier again because you spent it all in 3 weeks when the month has 4, so now you want your salary 2 weeks early? Soon you'll want an extra month every few months because you ran out of money before the month even started. That's how people end up bankrupt.
– jwenting
Mar 10 '14 at 14:30
1
Also, get on a written budget. My last late fee, overdraft fee, and line of credit charge happened 26 months ago, the day I started writing out to the very last cent where all my money was going to go every month. Do this, and it's the first step to never having to embarrass yourself by asking your employer, or anyone, for money. Also, you need an emergency fund for tough times so you aren't relying on debt.
– jmort253♦
Mar 11 '14 at 3:10
1
@RaduMurzea Because one of you now has a hold over the other that might allow you to influence the other.
– DJClayworth
Mar 11 '14 at 12:50
 |Â
show 1 more comment
up vote
30
down vote
accepted
It's not your manager's job, or your company's job, to sort out your finances. You are responsible for them. However rarely the company might agree to help you with financial difficulty. This is really only likely in urgent or critical circumstances, like an unexpected serious illness. The company might then make an advance on your wages. But that's not guaranteed, and it's certainly never going to happen more than once. Approach HR, not your manager.
The thing that worries me in this question is the word "sometimes". It usually implies something that happens unusually but repeatedly. If you are repeatedly in financial difficulty you need to sort it out so that you are not.
A larger company sometimes has employee counselling services, which can include financial counselling. If they do, then take advantage of them.
Under no circumstances ever ask your manager to lend you money personally. It's a conflict of interest for both of you, and even asking might bring you problems.
answered Mar 10 '14 at 6:45
DJClayworth
41.5k989147
DJ please consider the word sometimes => rarely.
– Bala
Mar 10 '14 at 6:49
14
@Bala I believe "more than once" is too often. Even 'rarely' is probably more times than a company is going to want to do.
– DJClayworth
Mar 10 '14 at 6:51
4
@Bala So you get paid a week early, next month you now run out of cash earlier again because you spent it all in 3 weeks when the month has 4, so now you want your salary 2 weeks early? Soon you'll want an extra month every few months because you ran out of money before the month even started. That's how people end up bankrupt.
– jwenting
Mar 10 '14 at 14:30
1
Also, get on a written budget. My last late fee, overdraft fee, and line of credit charge happened 26 months ago, the day I started writing out to the very last cent where all my money was going to go every month. Do this, and it's the first step to never having to embarrass yourself by asking your employer, or anyone, for money. Also, you need an emergency fund for tough times so you aren't relying on debt.
– jmort253♦
Mar 11 '14 at 3:10
1
@RaduMurzea Because one of you now has a hold over the other that might allow you to influence the other.
– DJClayworth
Mar 11 '14 at 12:50
 |Â
show 1 more comment
up vote
30
down vote
accepted
up vote
30
down vote
accepted
It's not your manager's job, or your company's job, to sort out your finances. You are responsible for them. However rarely the company might agree to help you with financial difficulty. This is really only likely in urgent or critical circumstances, like an unexpected serious illness. The company might then make an advance on your wages. But that's not guaranteed, and it's certainly never going to happen more than once. Approach HR, not your manager.
The thing that worries me in this question is the word "sometimes". It usually implies something that happens unusually but repeatedly. If you are repeatedly in financial difficulty you need to sort it out so that you are not.
A larger company sometimes has employee counselling services, which can include financial counselling. If they do, then take advantage of them.
Under no circumstances ever ask your manager to lend you money personally. It's a conflict of interest for both of you, and even asking might bring you problems.
answered Mar 10 '14 at 6:45
DJClayworth
41.5k989147
It's not your manager's job, or your company's job, to sort out your finances. You are responsible for them. However rarely the company might agree to help you with financial difficulty. This is really only likely in urgent or critical circumstances, like an unexpected serious illness. The company might then make an advance on your wages. But that's not guaranteed, and it's certainly never going to happen more than once. Approach HR, not your manager.
The thing that worries me in this question is the word "sometimes". It usually implies something that happens unusually but repeatedly. If you are repeatedly in financial difficulty you need to sort it out so that you are not.
A larger company sometimes has employee counselling services, which can include financial counselling. If they do, then take advantage of them.
Under no circumstances ever ask your manager to lend you money personally. It's a conflict of interest for both of you, and even asking might bring you problems.
answered Mar 10 '14 at 6:45
DJClayworth
41.5k989147
answered Mar 10 '14 at 6:45
DJClayworth
41.5k989147
answered Mar 10 '14 at 6:45
DJClayworth
41.5k989147
answered Mar 10 '14 at 6:45
DJClayworth
41.5k989147
41.5k989147
DJ please consider the word sometimes => rarely.
– Bala
Mar 10 '14 at 6:49
14
@Bala I believe "more than once" is too often. Even 'rarely' is probably more times than a company is going to want to do.
– DJClayworth
Mar 10 '14 at 6:51
4
@Bala So you get paid a week early, next month you now run out of cash earlier again because you spent it all in 3 weeks when the month has 4, so now you want your salary 2 weeks early? Soon you'll want an extra month every few months because you ran out of money before the month even started. That's how people end up bankrupt.
– jwenting
Mar 10 '14 at 14:30
1
Also, get on a written budget. My last late fee, overdraft fee, and line of credit charge happened 26 months ago, the day I started writing out to the very last cent where all my money was going to go every month. Do this, and it's the first step to never having to embarrass yourself by asking your employer, or anyone, for money. Also, you need an emergency fund for tough times so you aren't relying on debt.
– jmort253♦
Mar 11 '14 at 3:10
1
@RaduMurzea Because one of you now has a hold over the other that might allow you to influence the other.
– DJClayworth
Mar 11 '14 at 12:50
 |Â
show 1 more comment
DJ please consider the word sometimes => rarely.
– Bala
Mar 10 '14 at 6:49
14
@Bala I believe "more than once" is too often. Even 'rarely' is probably more times than a company is going to want to do.
– DJClayworth
Mar 10 '14 at 6:51
4
@Bala So you get paid a week early, next month you now run out of cash earlier again because you spent it all in 3 weeks when the month has 4, so now you want your salary 2 weeks early? Soon you'll want an extra month every few months because you ran out of money before the month even started. That's how people end up bankrupt.
– jwenting
Mar 10 '14 at 14:30
1
Also, get on a written budget. My last late fee, overdraft fee, and line of credit charge happened 26 months ago, the day I started writing out to the very last cent where all my money was going to go every month. Do this, and it's the first step to never having to embarrass yourself by asking your employer, or anyone, for money. Also, you need an emergency fund for tough times so you aren't relying on debt.
– jmort253♦
Mar 11 '14 at 3:10
1
@RaduMurzea Because one of you now has a hold over the other that might allow you to influence the other.
– DJClayworth
Mar 11 '14 at 12:50
DJ please consider the word sometimes => rarely.
– Bala
Mar 10 '14 at 6:49
DJ please consider the word sometimes => rarely.
– Bala
Mar 10 '14 at 6:49
14
14
@Bala I believe "more than once" is too often. Even 'rarely' is probably more times than a company is going to want to do.
– DJClayworth
Mar 10 '14 at 6:51
@Bala I believe "more than once" is too often. Even 'rarely' is probably more times than a company is going to want to do.
– DJClayworth
Mar 10 '14 at 6:51
4
4
@Bala So you get paid a week early, next month you now run out of cash earlier again because you spent it all in 3 weeks when the month has 4, so now you want your salary 2 weeks early? Soon you'll want an extra month every few months because you ran out of money before the month even started. That's how people end up bankrupt.
– jwenting
Mar 10 '14 at 14:30
@Bala So you get paid a week early, next month you now run out of cash earlier again because you spent it all in 3 weeks when the month has 4, so now you want your salary 2 weeks early? Soon you'll want an extra month every few months because you ran out of money before the month even started. That's how people end up bankrupt.
– jwenting
Mar 10 '14 at 14:30
1
1
Also, get on a written budget. My last late fee, overdraft fee, and line of credit charge happened 26 months ago, the day I started writing out to the very last cent where all my money was going to go every month. Do this, and it's the first step to never having to embarrass yourself by asking your employer, or anyone, for money. Also, you need an emergency fund for tough times so you aren't relying on debt.
– jmort253♦
Mar 11 '14 at 3:10
Also, get on a written budget. My last late fee, overdraft fee, and line of credit charge happened 26 months ago, the day I started writing out to the very last cent where all my money was going to go every month. Do this, and it's the first step to never having to embarrass yourself by asking your employer, or anyone, for money. Also, you need an emergency fund for tough times so you aren't relying on debt.
– jmort253♦
Mar 11 '14 at 3:10
1
1
@RaduMurzea Because one of you now has a hold over the other that might allow you to influence the other.
– DJClayworth
Mar 11 '14 at 12:50
@RaduMurzea Because one of you now has a hold over the other that might allow you to influence the other.
– DJClayworth
Mar 11 '14 at 12:50
 |Â
show 1 more comment
up vote
9
down vote
As an employer, I would say off the bat that you are asking the wrong person.
It would be different if the financial issues stemmed from your employment (large petty cash payments, travel etc) but I don't think that that is the case from your question.
If you are having trouble managing your (short-term) personal finances you need to talk to your banker, not your employer. You may need an overdraft or personal loan.
If you are having trouble over the long term then you are living beyond your means. In that case you need to:
- Ask for a raise
- Get a higher paying job
- Spend less.
answered Mar 10 '14 at 6:39
Dale M
1,1051612
9
Asking for a loan of any form (including formal overdraft) is terrible advice. You cannot loan your way out of personal debt.
– Gusdor
Mar 10 '14 at 9:55
5
@Gusdor Salary in advance is a loan. Just not from bank but from employer. OP is asking for a loan already, and Dale is right that loans come from banks not employers.
– Agent_L
Mar 10 '14 at 10:04
4
@Agent_L I should a rephrase then. Asking for an loan in which the repayment is greater than the loan value is terrible advice. It is not sustainable. Depending on who you talk to, a loan is defined as a borrowed amount whose repayments include interest. A salary advance does not.
– Gusdor
Mar 10 '14 at 10:19
3
@jwenting, many of us do not live in places with mass transit. I would agree that you shouldn't buy more car than you can afford, but to say there is always an alternative to having a car is just ignorant.
– HLGEM
Mar 10 '14 at 15:09
3
Public transport does not exist when you live in rural West Virginia - 15 miles outside of town. And where I currently live, yes there are busses, unfortuntately I don't live and work in the same city and the busses do not connect. There are not always alternatives and to say there are is foolish. Further, for women, public transportation is often also the dangerous alternative. Far better to have a car loan than to be raped or beat up.
– HLGEM
Mar 10 '14 at 16:35
 |Â
show 6 more comments
up vote
9
down vote
As an employer, I would say off the bat that you are asking the wrong person.
It would be different if the financial issues stemmed from your employment (large petty cash payments, travel etc) but I don't think that that is the case from your question.
If you are having trouble managing your (short-term) personal finances you need to talk to your banker, not your employer. You may need an overdraft or personal loan.
If you are having trouble over the long term then you are living beyond your means. In that case you need to:
- Ask for a raise
- Get a higher paying job
- Spend less.
answered Mar 10 '14 at 6:39
Dale M
1,1051612
9
Asking for a loan of any form (including formal overdraft) is terrible advice. You cannot loan your way out of personal debt.
– Gusdor
Mar 10 '14 at 9:55
5
@Gusdor Salary in advance is a loan. Just not from bank but from employer. OP is asking for a loan already, and Dale is right that loans come from banks not employers.
– Agent_L
Mar 10 '14 at 10:04
4
@Agent_L I should a rephrase then. Asking for an loan in which the repayment is greater than the loan value is terrible advice. It is not sustainable. Depending on who you talk to, a loan is defined as a borrowed amount whose repayments include interest. A salary advance does not.
– Gusdor
Mar 10 '14 at 10:19
3
@jwenting, many of us do not live in places with mass transit. I would agree that you shouldn't buy more car than you can afford, but to say there is always an alternative to having a car is just ignorant.
– HLGEM
Mar 10 '14 at 15:09
3
Public transport does not exist when you live in rural West Virginia - 15 miles outside of town. And where I currently live, yes there are busses, unfortuntately I don't live and work in the same city and the busses do not connect. There are not always alternatives and to say there are is foolish. Further, for women, public transportation is often also the dangerous alternative. Far better to have a car loan than to be raped or beat up.
– HLGEM
Mar 10 '14 at 16:35
 |Â
show 6 more comments
up vote
9
down vote
up vote
9
down vote
As an employer, I would say off the bat that you are asking the wrong person.
It would be different if the financial issues stemmed from your employment (large petty cash payments, travel etc) but I don't think that that is the case from your question.
If you are having trouble managing your (short-term) personal finances you need to talk to your banker, not your employer. You may need an overdraft or personal loan.
If you are having trouble over the long term then you are living beyond your means. In that case you need to:
- Ask for a raise
- Get a higher paying job
- Spend less.
answered Mar 10 '14 at 6:39
Dale M
1,1051612
As an employer, I would say off the bat that you are asking the wrong person.
It would be different if the financial issues stemmed from your employment (large petty cash payments, travel etc) but I don't think that that is the case from your question.
If you are having trouble managing your (short-term) personal finances you need to talk to your banker, not your employer. You may need an overdraft or personal loan.
If you are having trouble over the long term then you are living beyond your means. In that case you need to:
- Ask for a raise
- Get a higher paying job
- Spend less.
answered Mar 10 '14 at 6:39
Dale M
1,1051612
answered Mar 10 '14 at 6:39
Dale M
1,1051612
answered Mar 10 '14 at 6:39
Dale M
1,1051612
answered Mar 10 '14 at 6:39
Dale M
1,1051612
1,1051612
9
Asking for a loan of any form (including formal overdraft) is terrible advice. You cannot loan your way out of personal debt.
– Gusdor
Mar 10 '14 at 9:55
5
@Gusdor Salary in advance is a loan. Just not from bank but from employer. OP is asking for a loan already, and Dale is right that loans come from banks not employers.
– Agent_L
Mar 10 '14 at 10:04
4
@Agent_L I should a rephrase then. Asking for an loan in which the repayment is greater than the loan value is terrible advice. It is not sustainable. Depending on who you talk to, a loan is defined as a borrowed amount whose repayments include interest. A salary advance does not.
– Gusdor
Mar 10 '14 at 10:19
3
@jwenting, many of us do not live in places with mass transit. I would agree that you shouldn't buy more car than you can afford, but to say there is always an alternative to having a car is just ignorant.
– HLGEM
Mar 10 '14 at 15:09
3
Public transport does not exist when you live in rural West Virginia - 15 miles outside of town. And where I currently live, yes there are busses, unfortuntately I don't live and work in the same city and the busses do not connect. There are not always alternatives and to say there are is foolish. Further, for women, public transportation is often also the dangerous alternative. Far better to have a car loan than to be raped or beat up.
– HLGEM
Mar 10 '14 at 16:35
 |Â
show 6 more comments
9
Asking for a loan of any form (including formal overdraft) is terrible advice. You cannot loan your way out of personal debt.
– Gusdor
Mar 10 '14 at 9:55
5
@Gusdor Salary in advance is a loan. Just not from bank but from employer. OP is asking for a loan already, and Dale is right that loans come from banks not employers.
– Agent_L
Mar 10 '14 at 10:04
4
@Agent_L I should a rephrase then. Asking for an loan in which the repayment is greater than the loan value is terrible advice. It is not sustainable. Depending on who you talk to, a loan is defined as a borrowed amount whose repayments include interest. A salary advance does not.
– Gusdor
Mar 10 '14 at 10:19
3
@jwenting, many of us do not live in places with mass transit. I would agree that you shouldn't buy more car than you can afford, but to say there is always an alternative to having a car is just ignorant.
– HLGEM
Mar 10 '14 at 15:09
3
Public transport does not exist when you live in rural West Virginia - 15 miles outside of town. And where I currently live, yes there are busses, unfortuntately I don't live and work in the same city and the busses do not connect. There are not always alternatives and to say there are is foolish. Further, for women, public transportation is often also the dangerous alternative. Far better to have a car loan than to be raped or beat up.
– HLGEM
Mar 10 '14 at 16:35
9
9
Asking for a loan of any form (including formal overdraft) is terrible advice. You cannot loan your way out of personal debt.
– Gusdor
Mar 10 '14 at 9:55
Asking for a loan of any form (including formal overdraft) is terrible advice. You cannot loan your way out of personal debt.
– Gusdor
Mar 10 '14 at 9:55
5
5
@Gusdor Salary in advance is a loan. Just not from bank but from employer. OP is asking for a loan already, and Dale is right that loans come from banks not employers.
– Agent_L
Mar 10 '14 at 10:04
@Gusdor Salary in advance is a loan. Just not from bank but from employer. OP is asking for a loan already, and Dale is right that loans come from banks not employers.
– Agent_L
Mar 10 '14 at 10:04
4
4
@Agent_L I should a rephrase then. Asking for an loan in which the repayment is greater than the loan value is terrible advice. It is not sustainable. Depending on who you talk to, a loan is defined as a borrowed amount whose repayments include interest. A salary advance does not.
– Gusdor
Mar 10 '14 at 10:19
@Agent_L I should a rephrase then. Asking for an loan in which the repayment is greater than the loan value is terrible advice. It is not sustainable. Depending on who you talk to, a loan is defined as a borrowed amount whose repayments include interest. A salary advance does not.
– Gusdor
Mar 10 '14 at 10:19
3
3
@jwenting, many of us do not live in places with mass transit. I would agree that you shouldn't buy more car than you can afford, but to say there is always an alternative to having a car is just ignorant.
– HLGEM
Mar 10 '14 at 15:09
@jwenting, many of us do not live in places with mass transit. I would agree that you shouldn't buy more car than you can afford, but to say there is always an alternative to having a car is just ignorant.
– HLGEM
Mar 10 '14 at 15:09
3
3
Public transport does not exist when you live in rural West Virginia - 15 miles outside of town. And where I currently live, yes there are busses, unfortuntately I don't live and work in the same city and the busses do not connect. There are not always alternatives and to say there are is foolish. Further, for women, public transportation is often also the dangerous alternative. Far better to have a car loan than to be raped or beat up.
– HLGEM
Mar 10 '14 at 16:35
Public transport does not exist when you live in rural West Virginia - 15 miles outside of town. And where I currently live, yes there are busses, unfortuntately I don't live and work in the same city and the busses do not connect. There are not always alternatives and to say there are is foolish. Further, for women, public transportation is often also the dangerous alternative. Far better to have a car loan than to be raped or beat up.
– HLGEM
Mar 10 '14 at 16:35
 |Â
show 6 more comments
up vote
4
down vote
Another reason not to ask your company for an advance is that companies do not like employees who are in financial trouble. They are the ones who tend to a greater risk for stealing from the company. Asking for an advance for anything less than my child just got diagnosed with cancer is a huge risk that you will be put on the list of employees to get rid of at the first opportunity.
This is also a reason to get your act together as it will be much harder to get another job if you have financial problems.
answered Mar 10 '14 at 13:11
HLGEM
133k25227489
3
I think thatcompanies do not like employees who are in financial troubleis an unfounded claim, the companies I know don't care about your financial situation at all (it's none of their business, too). Also, claiming that people who are in financial trouble arethe ones who tend to a greater risk for stealing from the companyis an inaccurate and prejudiced point of view in general.
– Frerich Raabe
Mar 10 '14 at 23:25
@FrerichRaabe, this is the real world where companies do care about this stuff, that is why they ask for credit reports in hiring a lot of places. And yes they have been known to fire people in financial trouble for just the reason stated, especially if the person has access to confidential records or company money in any way shape or form. It is also why a lot of government security clearances are denied. You may not like it (I personally think they go overboard on this) but many companies operate this way.
– HLGEM
Mar 11 '14 at 15:23
If this is the real world for you, then I can probably only feel sorry for you. I've never had a job which asked for a credit report. In fact, I'm not even sure that would be legal in many countries (especially Europe). Companies have a hard time attracting talent, the last thing they care about is how people decide to spend their money.
– Frerich Raabe
Mar 11 '14 at 17:00
add a comment |Â
up vote
4
down vote
Another reason not to ask your company for an advance is that companies do not like employees who are in financial trouble. They are the ones who tend to a greater risk for stealing from the company. Asking for an advance for anything less than my child just got diagnosed with cancer is a huge risk that you will be put on the list of employees to get rid of at the first opportunity.
This is also a reason to get your act together as it will be much harder to get another job if you have financial problems.
answered Mar 10 '14 at 13:11
HLGEM
133k25227489
3
I think thatcompanies do not like employees who are in financial troubleis an unfounded claim, the companies I know don't care about your financial situation at all (it's none of their business, too). Also, claiming that people who are in financial trouble arethe ones who tend to a greater risk for stealing from the companyis an inaccurate and prejudiced point of view in general.
– Frerich Raabe
Mar 10 '14 at 23:25
@FrerichRaabe, this is the real world where companies do care about this stuff, that is why they ask for credit reports in hiring a lot of places. And yes they have been known to fire people in financial trouble for just the reason stated, especially if the person has access to confidential records or company money in any way shape or form. It is also why a lot of government security clearances are denied. You may not like it (I personally think they go overboard on this) but many companies operate this way.
– HLGEM
Mar 11 '14 at 15:23
If this is the real world for you, then I can probably only feel sorry for you. I've never had a job which asked for a credit report. In fact, I'm not even sure that would be legal in many countries (especially Europe). Companies have a hard time attracting talent, the last thing they care about is how people decide to spend their money.
– Frerich Raabe
Mar 11 '14 at 17:00
add a comment |Â
up vote
4
down vote
up vote
4
down vote
Another reason not to ask your company for an advance is that companies do not like employees who are in financial trouble. They are the ones who tend to a greater risk for stealing from the company. Asking for an advance for anything less than my child just got diagnosed with cancer is a huge risk that you will be put on the list of employees to get rid of at the first opportunity.
This is also a reason to get your act together as it will be much harder to get another job if you have financial problems.
answered Mar 10 '14 at 13:11
HLGEM
133k25227489
Another reason not to ask your company for an advance is that companies do not like employees who are in financial trouble. They are the ones who tend to a greater risk for stealing from the company. Asking for an advance for anything less than my child just got diagnosed with cancer is a huge risk that you will be put on the list of employees to get rid of at the first opportunity.
This is also a reason to get your act together as it will be much harder to get another job if you have financial problems.
answered Mar 10 '14 at 13:11
HLGEM
133k25227489
answered Mar 10 '14 at 13:11
HLGEM
133k25227489
answered Mar 10 '14 at 13:11
HLGEM
133k25227489
answered Mar 10 '14 at 13:11
HLGEM
133k25227489
133k25227489
3
I think thatcompanies do not like employees who are in financial troubleis an unfounded claim, the companies I know don't care about your financial situation at all (it's none of their business, too). Also, claiming that people who are in financial trouble arethe ones who tend to a greater risk for stealing from the companyis an inaccurate and prejudiced point of view in general.
– Frerich Raabe
Mar 10 '14 at 23:25
@FrerichRaabe, this is the real world where companies do care about this stuff, that is why they ask for credit reports in hiring a lot of places. And yes they have been known to fire people in financial trouble for just the reason stated, especially if the person has access to confidential records or company money in any way shape or form. It is also why a lot of government security clearances are denied. You may not like it (I personally think they go overboard on this) but many companies operate this way.
– HLGEM
Mar 11 '14 at 15:23
If this is the real world for you, then I can probably only feel sorry for you. I've never had a job which asked for a credit report. In fact, I'm not even sure that would be legal in many countries (especially Europe). Companies have a hard time attracting talent, the last thing they care about is how people decide to spend their money.
– Frerich Raabe
Mar 11 '14 at 17:00
add a comment |Â
3
I think thatcompanies do not like employees who are in financial troubleis an unfounded claim, the companies I know don't care about your financial situation at all (it's none of their business, too). Also, claiming that people who are in financial trouble arethe ones who tend to a greater risk for stealing from the companyis an inaccurate and prejudiced point of view in general.
– Frerich Raabe
Mar 10 '14 at 23:25
@FrerichRaabe, this is the real world where companies do care about this stuff, that is why they ask for credit reports in hiring a lot of places. And yes they have been known to fire people in financial trouble for just the reason stated, especially if the person has access to confidential records or company money in any way shape or form. It is also why a lot of government security clearances are denied. You may not like it (I personally think they go overboard on this) but many companies operate this way.
– HLGEM
Mar 11 '14 at 15:23
If this is the real world for you, then I can probably only feel sorry for you. I've never had a job which asked for a credit report. In fact, I'm not even sure that would be legal in many countries (especially Europe). Companies have a hard time attracting talent, the last thing they care about is how people decide to spend their money.
– Frerich Raabe
Mar 11 '14 at 17:00
3
3
I think that
companies do not like employees who are in financial trouble is an unfounded claim, the companies I know don't care about your financial situation at all (it's none of their business, too). Also, claiming that people who are in financial trouble are the ones who tend to a greater risk for stealing from the company is an inaccurate and prejudiced point of view in general.– Frerich Raabe
Mar 10 '14 at 23:25
I think that
companies do not like employees who are in financial trouble is an unfounded claim, the companies I know don't care about your financial situation at all (it's none of their business, too). Also, claiming that people who are in financial trouble are the ones who tend to a greater risk for stealing from the company is an inaccurate and prejudiced point of view in general.– Frerich Raabe
Mar 10 '14 at 23:25
@FrerichRaabe, this is the real world where companies do care about this stuff, that is why they ask for credit reports in hiring a lot of places. And yes they have been known to fire people in financial trouble for just the reason stated, especially if the person has access to confidential records or company money in any way shape or form. It is also why a lot of government security clearances are denied. You may not like it (I personally think they go overboard on this) but many companies operate this way.
– HLGEM
Mar 11 '14 at 15:23
@FrerichRaabe, this is the real world where companies do care about this stuff, that is why they ask for credit reports in hiring a lot of places. And yes they have been known to fire people in financial trouble for just the reason stated, especially if the person has access to confidential records or company money in any way shape or form. It is also why a lot of government security clearances are denied. You may not like it (I personally think they go overboard on this) but many companies operate this way.
– HLGEM
Mar 11 '14 at 15:23
If this is the real world for you, then I can probably only feel sorry for you. I've never had a job which asked for a credit report. In fact, I'm not even sure that would be legal in many countries (especially Europe). Companies have a hard time attracting talent, the last thing they care about is how people decide to spend their money.
– Frerich Raabe
Mar 11 '14 at 17:00
If this is the real world for you, then I can probably only feel sorry for you. I've never had a job which asked for a credit report. In fact, I'm not even sure that would be legal in many countries (especially Europe). Companies have a hard time attracting talent, the last thing they care about is how people decide to spend their money.
– Frerich Raabe
Mar 11 '14 at 17:00
add a comment |Â
up vote
4
down vote
What is the right way to ask for my salary in advance?
Assuming you've determined that your employer is the best resource you have to resolve your situation, and that it's appropriate to do so given your position and culture, there's no harm in asking in whatever way you feel comfortable.
However, your success will depend in part in how you ask, so here are some suggestions:
- State the amount you need in advance. Don't ask for the full paycheck in advance, only what you need.
- Explain that this is a one-time only situation, and without explaining the details of your personal problem, express that you're doing this only because you have already exhausted all your other avenues of support.
- Describe how you'll deal with the lack of paycheck, or reduced paycheck, when the next pay period comes - this way they know you aren't going to be back asking for a continuous advance, that you will "pay" it back immediately by working, knowing you've already received payment.
- Through your conversation, assure them that you'll be sticking around and working without outright stating it. Expressing your love for this job, that you are glad to come to work, that you have family and obligations that will keep you in the area may assure them that you won't quit as soon as they hand you the check.
- Hopefully you've worked with them without problem for years already, and this is the first time you've come to them for help. If you haven't worked for them for long, or you have already received help from them, this will be much more difficult.
- If you have paid vacation days they may be willing to "pay out" some of those days so your regular paychecks don't stop or become reduced.
- Be reasonable. If they only cut checks once a week on Friday, asking them for a pay advance on Monday for a bill due Tuesday isn't going to happen, and becoming angry when they offer you an advance, but refuse to give it to you in cash or immediately will not help you. Sometimes you can get a letter from them indicating the plan which you can take to the person you owe money to, and convince them to extend your due date based on the promised early payment of your paycheck. It's difficult, but you're already asking for a payment advance, it's not much more work to ask for a billing delay without penalty.
Critically, I think it's important to focus on the fact that this is an emergency, it's a one-time situation, that it's a smaller amount than your full paycheck, and you have plans to avoid this situation in the future.
In general I don't suggest an appeal to their humanity, by describing the terrible situation you have fallen into. A short explanation saying that it's an emergency should be enough to help them make their decision, without forcing them to feel like a monster for refusing you. You don't want to make your employment situation bad. Make sure they understand that while you need this help, if they refuse it won't alter your work or working relationship.
answered Mar 10 '14 at 21:47
Adam Davis
7,73111534
2
In my opinion, this is the most well rounded answer.
– happybuddha
Mar 10 '14 at 23:21
add a comment |Â
up vote
4
down vote
What is the right way to ask for my salary in advance?
Assuming you've determined that your employer is the best resource you have to resolve your situation, and that it's appropriate to do so given your position and culture, there's no harm in asking in whatever way you feel comfortable.
However, your success will depend in part in how you ask, so here are some suggestions:
- State the amount you need in advance. Don't ask for the full paycheck in advance, only what you need.
- Explain that this is a one-time only situation, and without explaining the details of your personal problem, express that you're doing this only because you have already exhausted all your other avenues of support.
- Describe how you'll deal with the lack of paycheck, or reduced paycheck, when the next pay period comes - this way they know you aren't going to be back asking for a continuous advance, that you will "pay" it back immediately by working, knowing you've already received payment.
- Through your conversation, assure them that you'll be sticking around and working without outright stating it. Expressing your love for this job, that you are glad to come to work, that you have family and obligations that will keep you in the area may assure them that you won't quit as soon as they hand you the check.
- Hopefully you've worked with them without problem for years already, and this is the first time you've come to them for help. If you haven't worked for them for long, or you have already received help from them, this will be much more difficult.
- If you have paid vacation days they may be willing to "pay out" some of those days so your regular paychecks don't stop or become reduced.
- Be reasonable. If they only cut checks once a week on Friday, asking them for a pay advance on Monday for a bill due Tuesday isn't going to happen, and becoming angry when they offer you an advance, but refuse to give it to you in cash or immediately will not help you. Sometimes you can get a letter from them indicating the plan which you can take to the person you owe money to, and convince them to extend your due date based on the promised early payment of your paycheck. It's difficult, but you're already asking for a payment advance, it's not much more work to ask for a billing delay without penalty.
Critically, I think it's important to focus on the fact that this is an emergency, it's a one-time situation, that it's a smaller amount than your full paycheck, and you have plans to avoid this situation in the future.
In general I don't suggest an appeal to their humanity, by describing the terrible situation you have fallen into. A short explanation saying that it's an emergency should be enough to help them make their decision, without forcing them to feel like a monster for refusing you. You don't want to make your employment situation bad. Make sure they understand that while you need this help, if they refuse it won't alter your work or working relationship.
answered Mar 10 '14 at 21:47
Adam Davis
7,73111534
2
In my opinion, this is the most well rounded answer.
– happybuddha
Mar 10 '14 at 23:21
add a comment |Â
up vote
4
down vote
up vote
4
down vote
What is the right way to ask for my salary in advance?
Assuming you've determined that your employer is the best resource you have to resolve your situation, and that it's appropriate to do so given your position and culture, there's no harm in asking in whatever way you feel comfortable.
However, your success will depend in part in how you ask, so here are some suggestions:
- State the amount you need in advance. Don't ask for the full paycheck in advance, only what you need.
- Explain that this is a one-time only situation, and without explaining the details of your personal problem, express that you're doing this only because you have already exhausted all your other avenues of support.
- Describe how you'll deal with the lack of paycheck, or reduced paycheck, when the next pay period comes - this way they know you aren't going to be back asking for a continuous advance, that you will "pay" it back immediately by working, knowing you've already received payment.
- Through your conversation, assure them that you'll be sticking around and working without outright stating it. Expressing your love for this job, that you are glad to come to work, that you have family and obligations that will keep you in the area may assure them that you won't quit as soon as they hand you the check.
- Hopefully you've worked with them without problem for years already, and this is the first time you've come to them for help. If you haven't worked for them for long, or you have already received help from them, this will be much more difficult.
- If you have paid vacation days they may be willing to "pay out" some of those days so your regular paychecks don't stop or become reduced.
- Be reasonable. If they only cut checks once a week on Friday, asking them for a pay advance on Monday for a bill due Tuesday isn't going to happen, and becoming angry when they offer you an advance, but refuse to give it to you in cash or immediately will not help you. Sometimes you can get a letter from them indicating the plan which you can take to the person you owe money to, and convince them to extend your due date based on the promised early payment of your paycheck. It's difficult, but you're already asking for a payment advance, it's not much more work to ask for a billing delay without penalty.
Critically, I think it's important to focus on the fact that this is an emergency, it's a one-time situation, that it's a smaller amount than your full paycheck, and you have plans to avoid this situation in the future.
In general I don't suggest an appeal to their humanity, by describing the terrible situation you have fallen into. A short explanation saying that it's an emergency should be enough to help them make their decision, without forcing them to feel like a monster for refusing you. You don't want to make your employment situation bad. Make sure they understand that while you need this help, if they refuse it won't alter your work or working relationship.
answered Mar 10 '14 at 21:47
Adam Davis
7,73111534
What is the right way to ask for my salary in advance?
Assuming you've determined that your employer is the best resource you have to resolve your situation, and that it's appropriate to do so given your position and culture, there's no harm in asking in whatever way you feel comfortable.
However, your success will depend in part in how you ask, so here are some suggestions:
- State the amount you need in advance. Don't ask for the full paycheck in advance, only what you need.
- Explain that this is a one-time only situation, and without explaining the details of your personal problem, express that you're doing this only because you have already exhausted all your other avenues of support.
- Describe how you'll deal with the lack of paycheck, or reduced paycheck, when the next pay period comes - this way they know you aren't going to be back asking for a continuous advance, that you will "pay" it back immediately by working, knowing you've already received payment.
- Through your conversation, assure them that you'll be sticking around and working without outright stating it. Expressing your love for this job, that you are glad to come to work, that you have family and obligations that will keep you in the area may assure them that you won't quit as soon as they hand you the check.
- Hopefully you've worked with them without problem for years already, and this is the first time you've come to them for help. If you haven't worked for them for long, or you have already received help from them, this will be much more difficult.
- If you have paid vacation days they may be willing to "pay out" some of those days so your regular paychecks don't stop or become reduced.
- Be reasonable. If they only cut checks once a week on Friday, asking them for a pay advance on Monday for a bill due Tuesday isn't going to happen, and becoming angry when they offer you an advance, but refuse to give it to you in cash or immediately will not help you. Sometimes you can get a letter from them indicating the plan which you can take to the person you owe money to, and convince them to extend your due date based on the promised early payment of your paycheck. It's difficult, but you're already asking for a payment advance, it's not much more work to ask for a billing delay without penalty.
Critically, I think it's important to focus on the fact that this is an emergency, it's a one-time situation, that it's a smaller amount than your full paycheck, and you have plans to avoid this situation in the future.
In general I don't suggest an appeal to their humanity, by describing the terrible situation you have fallen into. A short explanation saying that it's an emergency should be enough to help them make their decision, without forcing them to feel like a monster for refusing you. You don't want to make your employment situation bad. Make sure they understand that while you need this help, if they refuse it won't alter your work or working relationship.
answered Mar 10 '14 at 21:47
Adam Davis
7,73111534
answered Mar 10 '14 at 21:47
Adam Davis
7,73111534
answered Mar 10 '14 at 21:47
Adam Davis
7,73111534
answered Mar 10 '14 at 21:47
Adam Davis
7,73111534
7,73111534
2
In my opinion, this is the most well rounded answer.
– happybuddha
Mar 10 '14 at 23:21
add a comment |Â
2
In my opinion, this is the most well rounded answer.
– happybuddha
Mar 10 '14 at 23:21
2
2
In my opinion, this is the most well rounded answer.
– happybuddha
Mar 10 '14 at 23:21
In my opinion, this is the most well rounded answer.
– happybuddha
Mar 10 '14 at 23:21
add a comment |Â
1
please elaborate your question as it is not framed well. please tell us know are you asking him money as a advance or asking money from him personally?
– suhas
Mar 10 '14 at 6:39
@shaan not from him personally! and updated my question
– Bala
Mar 10 '14 at 6:43
11
Whatever you do, don't ask for more money because you need it. A lot of people seem to have this mentality, but it doesn't work this way. You are paid based on the value you provide to the company, not based on how much you need.
– Andreas Bonini
Mar 10 '14 at 14:17
Also specify whether you need a salary advance and some work has already be performed, or, you need an advance on work that will be performed. The former is more probable to succeed.
– Quora Feans
Mar 10 '14 at 18:35
4
I think geographical identification will help get you better answers. My ex-company had no policies in place for US employees but would help employees in third world countries with their 'downpayments' in buying a car/house (with 0% interest free monthly payments! )- so it was in the policy for an employee to ask for financial help
– happybuddha
Mar 10 '14 at 23:18