Hi everyone,

(disclaimer : this post has no intention of self victimisation , I genuinely need some advices from you since it seems I can't find the solutions myself, I also don't want to offend anybody on here


ok so I've been really struggling with finances for a few months now because business has been quite slow for me and I'm trying to find some ways to decrease my life costs in general (also trying to improve the business itself by making a website + advertising on many different directories but this has already been discussed and is not the topic here).
 

I've already managed to decrease my costs by ordering less food online, barely using any uber/taxis anymore, selling some of my items and obviously completely stopping any "non essential" spending (shopping, restaurants, hobbies etc.) but despite this, my financial situation is still really really bad and my costs of living still crazy expensive, especially because of my accommodations (I rent 2 flats in Central London : one where I live and one where I work). At the moment, I literally get 0 disposable income and work brings me barely enough money to pay my bills, which really demotivates me and strongly impacts my mental health. I also have no savings (probably the biggest mistake I've made not to save thinking it would always be busy but mistake is done now, we can't change the past and need to move forwards. I also owe quite a lot of money to a few people, anyways to put it in a nutshell it's quite bad). 


I've thought a lot about my situation and really wondering how other escorts manage to deal with their own finances on a daily basis because let's be honest, when you do this job, you don't want to feel that you're getting f***** by strangers for nothing and this is really how I feel at the moment. But I'm genuinely wondering, how all of you (especially the ones who have a separate workplace and home) can manage to have any disposable income when having 2 places. Maybe the solutions is obvious and I may be stupid 


What's according to you the most cost-effective option when it comes to accommodations in general in order to have a stable and sustainable financial situation ? (looks like having 2 separate places is definitely not one of them or maybe mine are too expensive, are we allowed to talk about numbers on here ? If yes, what's your budget for an accommodation ?
(I used to work at the hotel but stopped because it has become way too expensive now (assuming you work 5/6 days a week) and renting another flat seemed to be the best option at the time but it seems that it's not much better to be honest since now I have to pay the bills for 2 flats so everything is multiplied by two).
Also, I've thought about living and working in the same place but I don't think I'm comfortable enough to do it for now as it's quite important for me to have my own "untouched" space + I'm very paranoid about everything, however I might consider working and living in the same place in the future.


Or maybe some of you might say that having high living costs when you have 2 accommodations is normal and that pretty much everybody is in the same bad situation when business is slow ? (especially when you don't have savings)

What do you think about all of this and what are the best advices you could give me for improving my life ?

Ps. Daily life advices in general such as grocery shopping, daily expensive and stuff are also very welcomed 


Thank you very much for your help 

In terms of your every day expenses, why are you getting cabs and Ubers? I can’t recall the last time I used either (unless a client was paying). I walk or take the tube. Stop ordering food online, go to the supermarket and cook. Yes, I know it’s a chore, particularly if you’ve been working all day but it’s an expense you don’t need. I only ever order a Deliveroo when they send me money off vouchers.

Your flats. You live and work in zone one, don’t you?  Given this is your single biggest expense, I would either look to live and work in the same flat or else keep the work flat and move to live in a cheaper location/different zone. I know a few escorts who live outside of London, all of whom travel into London a few days a week to work. Maybe this is something you could consider although I do understand if you do not want to give up living in Central London. But, if this is your biggest expense, think of it as a short term option while you start tucking some money away.

In terms of managing your money, it’s not even about willpower, it’s about knowing that every single penny you make needs to be banked and only spent on pleasurable/luxury items when you can afford to spare the funds. Not fun I know, particularly when you’re making money by having sex with strangers, but you need to see money as something to spend wisely and save, because without savings, when times are tough, life is horrible as it is so full of anxiety and worry.

I only escort part-time, and I did not want the expense of a work flat so only do outcalls. You could consider doing this around a full-time civvy job for a bit but it is hard work managing two busy lives and not for everyone. However, doing this enables me to save every single penny I earn from escorting, so it’s not all bad. I have also been relatively fortunate as the present financial climate has not effected my client base one bit, so that is something to think about if you do decide to go the part-time outcall only route as it can be lucrative and steady. However, at the same time, given all the anxiety you’ve been experiencing for some time, are you even sure you want to persist with this? Or else, maybe it’s time to radically rethink how you operate. If you opt for the latter, think both short term - how can you earn some money to start saving and in the long term - how you can future proof your business so you don’t suffer this again.

Thanks for your help

I'm not very comfortable with doing outcalls as I don't provide them in general and the only time I've done an outcall was a quite dodgy experience so not really my thing.
Doing a civvie job, well I've definitely thought about it lately but once again, I've had 2 civvie jobs in my life so far and have been fired twice so wasn't a good experience either and don't think I want to reiterate. I think my only option is doing everything for the escort work to improve, I try to be confident.

I think I'm gonna join some agencies + keep doing my independent work and hopefully it will get better, I'll also try to find someone who is willing to live with me to share the rent because I'm now stuck in my tenancy contracts without break clause and will reassess everything after that (will try to renegotiate a good deal with my flat though) .

Miffy, about uber, I'm quite paranoid about security so was used to take the uber but since I live very close from the tube station, taking the tube is ok during the day. About deliveroo, I don't know how to cook in general (also didn't have the motivation to be honest) but now I'm getting to it with online recipes and I actually like it better to cook fresh ingredients rater already cooked food.

But it's true that having a hard time has taught me a lot of things and now I have a completely different relationship with money in general, that it's very important to save your hardly earned money to achieve goals rather than spending it on material stuff and non necessarily spending.

Yes for short period  you will have to pay only for your flat

Im sorry to hear about your situation, it must be very stressful. I agree that moving out of central London is a better option and maybe work from dayuse hotel rooms a few days a week. There are lots of great blogs around to inspire you to save and cut expenses. I learned my financial lessons after the recession and now i manage my money carefully. So take this bad situation as a reason to educate yourself on personal finance. Best of luck.

If you are in financial trouble for a while that says your work flat in london is not bringing in enough work for you and cannot see it changing much very soon.

If it was me i would get rid of the work flat and tour different areas but not London as too expensive for hotels and your work is not busy enough. Bare in mind at the moment lots of women are not doing that good at the moment with touring no matter where they go.

You don't want to do outcalls but least you can get there address i.d proof it's a genuine man or call through to there hotel room and with incalls you do not know who they are and have just a throw away sim that is why there is more dangerous reports on incalls then outcalls. I have done both for years and incalls is definately more dangerous but it depends how comfortable you are. 

Suziblue and Kay : Yes I thought about subletting the flat but I have a guarantor for my work flat and even though many people do it, subletting without the landlord knowing remains technically illegal and if someone finds out (or if some damage in made in the flat when the new person is in there), I don't want my guarantor to be in trouble. But I'm looking at every solution so take this one into account as well 

Im sorry to hear about your situation, it must be very stressful. I agree that moving out of central London is a better option and maybe work from dayuse hotel rooms a few days a week. There are lots of great blogs around to inspire you to save and cut expenses. I learned my financial lessons after the recession and now i manage my money carefully. So take this bad situation as a reason to educate yourself on personal finance. Best of luck.

MissCleo, Yes this is an option that I strongly consider as well