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johncanada24
Joined: 19 Oct 2006
Posts: 119
Location: Canada
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 Posted: Mon Oct 30, 2006 5:46 pm Post subject: OH OH I'm in Big Trouble If this Happens |
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I'll be honest with you guys, But i have a lot of debt to pay off as mentioned in my previous posts. My intentions of teaching is to of course be a good teacher while paying off my debts.
My Question....
Will my bad credit and debt problems be an issue with me going to Japan?
Do the companies I apply for (Nova Geos) etc check that stuff before hiring you?
Will that effect my application for a WHV?
God I hope not otherwise I'm a dead man in my tracks |
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canuck
Joined: 11 May 2003
Posts: 1921
Location: Japan
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| Posted: Mon Oct 30, 2006 9:11 pm Post subject: |
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Does this really need another thread all to itself? 
Companies won't research or check your financial situation. The issue is how much money you can bring as startup money when you come to Japan. The main problem for you is getting a WHV. If you can't show you have sufficient funds, you won't be able to get the visa.
Without a degree, the WHV is what you'll need to work in Japan for a year. Sounds like you don't have much money on your own right now. If you can't get financial help from your friends or family at first, your efforts would be better spent getting a job in Canada. You are close to being a dead man in your tracks. |
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johncanada24
Joined: 19 Oct 2006
Posts: 119
Location: Canada
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| Posted: Mon Oct 30, 2006 10:07 pm Post subject: I can bring it |
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| canuck wrote: |
Does this really need another thread all to itself?
Companies won't research or check your financial situation. The issue is how much money you can bring as startup money when you come to Japan. The main problem for you is getting a WHV. If you can't show you have sufficient funds, you won't be able to get the visa.
Without a degree, the WHV is what you'll need to work in Japan for a year. Sounds like you don't have much money on your own right now. If you can't get financial help from your friends or family at first, your efforts would be better spent getting a job in Canada. You are close to being a dead man in your tracks. |
Oh Canuck i can bring it trust me!
I make my min payments every month.
I still have money saved and I'm going to make it by the skin of my teeth.
I don't care if I have to live off $500 bucks the first month I'll do it.
Thanks you for your blunt honesty i can always depend on a straight forward answer. |
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canuck
Joined: 11 May 2003
Posts: 1921
Location: Japan
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| Posted: Tue Oct 31, 2006 2:45 am Post subject: Re: I can bring it |
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| johncanada24 wrote: |
Oh Canuck i can bring it trust me!
I make my min payments every month.
I still have money saved and I'm going to make it by the skin of my teeth.
I don't care if I have to live off $500 bucks the first month I'll do it.
Thanks you for your blunt honesty i can always depend on a straight forward answer. |
You know that even if you start work right away, you probably won't see a paycheque for at least 6 weeks right, sometimes longer. In Japan, people are usually paid monthly. Living off $500 is impossible. Living off $500 a month on food might be tight, but doable. Transportation is expensive. You have to pay forward and that could mean another $100-$300 your first couple months. Keep in mind, depending one when you start, you might not receive a full paycheque either, meaning that you won't receive your first paycheque until three months after you've arrived.
There are a lot of people that just want to save money in Japan and do nothing else, but you're going in with an unrealistic attitude. Being cheap and frugal will help, but you can't just power through and make it happen.
A more realistic situation is to borrow a couple thousand dollars from your parents, just in case, line up a job before you come on the condition that you can get a working holiday visa, have everything in order beforehand, come here and hit the ground running, survive your first few months (not expecting to send money home) and then around the 3rd or 4th month have the routine down, everything going and expect to be sending home money regularily. Your biggest savings will be your last couple months and your last paycheque and not having to pay rent is the bonus at the end.
If you're just looking to make money and pay down your debts, the best option would be to move to Alberta and work on the oil rigs. Much less startup costs and a much larger salary. |
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shuize
Joined: 04 Sep 2004
Posts: 1270
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| Posted: Tue Oct 31, 2006 3:44 am Post subject: |
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| ... Living off $500 a month on food might be tight, but doable... |
I actually lived on 40,000 yen a month for 6 months when I was a student. But I had my rent paid in advance and it was still very tight. I agree that starting up on $500 (roughly 60,000) would be virtually impossible. |
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johncanada24
Joined: 19 Oct 2006
Posts: 119
Location: Canada
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| Posted: Tue Oct 31, 2006 4:03 am Post subject: Re: I can bring it |
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| canuck wrote: |
| johncanada24 wrote: |
Oh Canuck i can bring it trust me!
I make my min payments every month.
I still have money saved and I'm going to make it by the skin of my teeth.
I don't care if I have to live off $500 bucks the first month I'll do it.
Thanks you for your blunt honesty i can always depend on a straight forward answer. |
You know that even if you start work right away, you probably won't see a paycheque for at least 6 weeks right, sometimes longer. In Japan, people are usually paid monthly. Living off $500 is impossible. Living off $500 a month on food might be tight, but doable. Transportation is expensive. You have to pay forward and that could mean another $100-$300 your first couple months. Keep in mind, depending one when you start, you might not receive a full paycheque either, meaning that you won't receive your first paycheque until three months after you've arrived.
There are a lot of people that just want to save money in Japan and do nothing else, but you're going in with an unrealistic attitude. Being cheap and frugal will help, but you can't just power through and make it happen.
A more realistic situation is to borrow a couple thousand dollars from your parents, just in case, line up a job before you come on the condition that you can get a working holiday visa, have everything in order beforehand, come here and hit the ground running, survive your first few months (not expecting to send money home) and then around the 3rd or 4th month have the routine down, everything going and expect to be sending home money regularily. Your biggest savings will be your last couple months and your last paycheque and not having to pay rent is the bonus at the end.
If you're just looking to make money and pay down your debts, the best option would be to move to Alberta and work on the oil rigs. Much less startup costs and a much larger salary. |
You state a very good point about the oil rigs and my older brother did suggest this. I am only considering this as a last option. Right now I'd like to stay focused. I do have the intentions of borrowing a littel money but intend not to use it. I'm just wondering who in my family will give me 2 grand to borrow.....thats crazy man. We'll see how it plays out though I've started to tutor for cash now making 15 bucks an hour so that goes directly tomy saving funds for japan.
Thanks again for your suggestion of going to alberta ...That is my last resort if things go south then ill go to japan. |
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Gordon
Joined: 28 Jan 2003
Posts: 5309
Location: Japan
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| Posted: Tue Oct 31, 2006 1:40 pm Post subject: |
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John,
Japan is one of the last places you want to be broke. There is no social safety net and no friends or family to help.
2 grand from a family member? That is a drop in a bucket. Most people come with a lot more, perhaps double that amount. Most things in Japan have to be paid for up front, this is not the land of credit like Canuckville. |
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bornslippy1981
Joined: 02 Aug 2004
Posts: 271
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| Posted: Tue Oct 31, 2006 2:47 pm Post subject: |
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After my interview with Nova, I sat down and figured out how many credit cards I had, and what I owed. It was something like 9 cards, and around $25,000 US.
I worked 80-90 hours/week for 7 months prior to coming, and knocked the debt down to about $8000.
Had I come sooner, I would've been home already because as other people said, this isn't a place where being broke is good.
Work hard for awhile, get your head above water, and then come. Japan will still be here. If you know you're coming, it won't be so hard to roll out of bed every day at 6 AM, and know you won't see it again for 20 hours. |
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johncanada24
Joined: 19 Oct 2006
Posts: 119
Location: Canada
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| Posted: Tue Oct 31, 2006 3:09 pm Post subject: Thanks guys |
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| bornslippy1981 wrote: |
After my interview with Nova, I sat down and figured out how many credit cards I had, and what I owed. It was something like 9 cards, and around $25,000 US.
I worked 80-90 hours/week for 7 months prior to coming, and knocked the debt down to about $8000.
Had I come sooner, I would've been home already because as other people said, this isn't a place where being broke is good.
Work hard for awhile, get your head above water, and then come. Japan will still be here. If you know you're coming, it won't be so hard to roll out of bed every day at 6 AM, and know you won't see it again for 20 hours. |
I Can tell you that i don't owe 25,000 dollars US I owe approx 14-15,0000 canadian in student loans and credit cards.
Right now i am just making my minimum payments but all in all I just need to take care of my start up costs for Japan.
Saving money and paying debts don't mix very well but i am gradually saving money. 2grand should be enough to keep me afloat until my first pay check comes from nova or where ever.
You state a good point about getting my debts down first and going to alberta but I beleive that once you get the ball rolling when you teach after the first 3 months I'm quite confident i should be able to pay my minimum payments.
The issue here is start up costs. I know for a fact I'll have enough for my plane ticket but safety cash may be an issue. I'm figuring out ways to make extra cash already.
Thats the last time I'll ever go back to college or University for that matter what a waste of money ! Your almost better off going to the rigs right off the bat. Buy a house fix it up and sell it for more ! |
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24601
Joined: 25 May 2006
Posts: 75
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| Posted: Wed Nov 01, 2006 2:53 pm Post subject: Re: Thanks guys |
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| johncanada24 wrote: |
I Can tell you that i don't owe 25,000 dollars US I owe approx 14-15,0000 canadian in student loans and credit cards.
Right now i am just making my minimum payments but all in all I just need to take care of my start up costs for Japan.
Saving money and paying debts don't mix very well but i am gradually saving money. 2grand should be enough to keep me afloat until my first pay check comes from nova or where ever.
You state a good point about getting my debts down first and going to alberta but I beleive that once you get the ball rolling when you teach after the first 3 months I'm quite confident i should be able to pay my minimum payments.
The issue here is start up costs. I know for a fact I'll have enough for my plane ticket but safety cash may be an issue. I'm figuring out ways to make extra cash already.
Thats the last time I'll ever go back to college or University for that matter what a waste of money ! Your almost better off going to the rigs right off the bat. Buy a house fix it up and sell it for more ! |
Well, the uni degree means I don't need a WHV which means I get taxed at the normal rate instead of 20%.
For the record, if you don't go out you can easily live on 40K yen a month here in my experience, if your rent is paid through the company. I came with 30K, which was a bit low, but I made it last 3 weeks (and got a phone and groceries and smokes and some beer).
Between that and the salary advance from NOVA I have been fine, but I am not living like a tourist either. I also do not need transport costs since I can walk to work. I don't go to bars because I absolutely cannot justify 700 freaking yen for a pint when I can get a 6pack of 500mls for 995. Just *ridiculous*. Also, I know how to cook.
YMMV but I do not find things, aside from transport, any more expensive than in north america. Again tho, I am NOT a go to the bars every night kind of girl. |
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