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Ria thinks she should hold out for a job with more security but at the same time she's anxious about her situation. She has bills to pay! What should she do?

No time to waste! Ria should take the delivery job now.

Ria should take her time to find the right thing. Applying for jobs is so time consuming! She can always live off her savings while she searches for a permanent job.

Ria can do both. She should take the zero-hour contract but still look for full-time jobs. It might mean she'll spend her evenings and weekends applying for jobs but if that's what it takes...

Ria's found a great job. What should she do to avoid ending up in this situation again?

Avoid zero-hours contracts if she can, so she has more job security.

Start putting some money into an emergency savings pot every month.

It's not always that simple. For some people zero-hour contracts are great as they offer variety, flexibility and independence.

Correct! On a zero-hour contract, Ria should aim to save around six months' worth of essential expenses. On a full-time, permanent contract she should aim for three months' worth.

Ria's new job is full-time and she signed a permanent contract. Use her monthly costings in the 'Notes' clue to calculate the value of an ideal emergency savings pot to protect her in the future.

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