Help Debts

Posts Tagged ‘little bit’

I’ll give you a little bit of back story here. Also I’m sorry this is going to be long but I thank you in advance for reading through!

I have had a pretty wonderful life. I never got along with my father in high school but honestly who does? I graduated and moved out of province for schooling. My parents paid for my tuition and rent while I was there. I was able to graduate debt free with a diploma. I moved back home after school and got a really nice management job. I lived and home and worked for 8 months. I managed to save ,000. I then quit my job and used that money to go on a pretty long extended vacation backpacking Europe for a few months. My life was amazing… I had great friends, an amazing relationship with my family, a stellar boyfriend, and a pretty decent resume.

Then I moved back. I am again living at home and trying to save money for a down payment on a house. But my life has becoming living hell because of my family. I went from being happy and excited about my future to dreading every day. I have started working two jobs to try and get out of my parents house faster. This is not really a problem for me, except for that I am working 7 days a week. I work a later shift so by the time I get home its already after supper.

My family is constantly accusing me of not pulling my weight. But I honestly don’t know what to improve. All of my belongings have been packed away and everything I own is kept to one room. When I cook i clean up my mess. I do my own laundry. I pay all my own expenses (except rent). I’m sure there are ways that i could be better but who couldn’t? When things aren’t put back in their spot the whole house automatically accuses me even when there things that i would never use (my mothers makeup, my brothers toys, food i don’t eat left out in the kitchen). I’m not perfect, i have obviously done these things sometimes but i feel like i have become a scapegoat. They all act like before I moved back life was perfect and I have just created a hassle for everyone. I feel like the things that are causing problems are 100% ridiculous (like me not doing my laundry lately… they don’t wear my clothes why does that matter?)

I am starting to resent my parents. I am miserable more days then I am happy. I dread going home after work because I know its just going to bring drama. I have stopped going out because i never feel like doing anything anymore. My relationship with my boyfriend is suffering because I’m really not happy anymore. I don’t feel anything like myself.

I don’t know if I should suck it up and save up the money, or count my blessings and move on. I can afford to move out of my parents house; but i would obviously be renting. I know most people rent, but given the opportunity to save up a down payment who would say no? I also feel like if I move out my parents will take it personally… like I hate living with them when I know they are just trying to help me out. I’m really stuck as to what to do. I think it will take me about 10 months to save up the money that I want… but i feel like I’m risking my happiness for a couple thousand dollars. Is it worth it? I have no idea what to do!

Again thankx for reading this and thank you for your advice!

1:

Its amazing the impact death can have on some one
the feeling can never be written
its as if you been dreaming and awaken
and your loved one is just taken
the words can never be spoken

every one tries to comfort you
and you have no clue on how much clash you just blew
its unexplainable
every one tries to hold someone accountable
every one hostel and its impossible to get along
when you’ve known some one your whole life long
it makes it harder to let em’ go
when you can still hear their voice echo and you just know they looking out below

all I wanted was the fights and pain to stop
but my wish just flip flopped
its strange how your word can twisted
it was hard for me to accept that they no longer existed
hey no longer pondered the earth I did
I don’t think it was fair I was just a kid
I didn’t really know what I wants I just didn’t want it all to get physical
but I guess most people don’t see it at my angel

I miss you ever day
even though its going on 4 years your still deep in my thoughts
I love you

#2:

I can’t afford to spend it
but some how I got it in my head that it’s only a little bit
but it all ads up real quick
all the cash I blow I act like I’m rich
I swear all this green is toxic
I be buying stake dinners maxin it
saying put it on my credit
buying clothes saying take it from the debit
go home and throw em’ in the closet

I buy my shoes in bulk
and all of them got the niky mark
wear em with a hoodie you could say that it’s my trademark
I get money in my hallmarks
spend it up like a hungry shark
I always got it on hand almost like my birthmark

I act like I got the money but really I can’t afford to pay the rent
but most my wants are meant
at the end of the month I spent almost every cent in my check
this is why in debt
this is why I compare my life to a shipwreck
some times I wish I had them paychecks on deck

this is why my money suddenly just flows aways
this is why my life turned out this way
I can’t believe I go out and blow my check every week
every cent I earn from Monday all the way to Friday
aye aye aye
but ima make it better ima pay my own way
ima stop waiting for my birthday to get that extra payday
ima get off the highway yep ima leave this free way
so starting now im gonna shovel my own walkway
aye aye aye

I have 00 in savings. I have a credit card that has 00 on it.

I just bought a house and believe I am living simply and within my means. After all mortgage payments, car loan, student loans, and the above mentioned credit card, I have about 5 for the month.

If I consider electric and phone/internet that’s about 0. Leaving me with 5 for gas and groceries. Sewer and water bill are negligible.

The credit card has a minimum payment of about monthly.

I’m most comfortable having the least amount in monthly expenditures.

Would it be wise to just pay off the credit card with the money from savings and free up that each month? I’d then have about 00 in savings and would hopefully be able to save a little bit each month, but my monthly expenditures would be less.

Advice appreciated.

Should i sell low now or wait? I have a house here in silicon valley and have a little bit of equity. Me and my wife are raising three kids and i am getting sick and tired of paying 00 a month on mortgage. With my equity, i can get a fairly nice house but i have to move 60 miles away from work and family. The good thing is i be mortgage or debt free and i can use that money to save for my retirement and college money for the kids. My wife and my kids do not like the idea. My kids said they don’t want to leave their friends and start all over again. My wife said there is no way she would communte daily 120 miles a day roundtrip. I know it would be hard for them in the beginning but i know i am doing the right thing for us financially. What should i do? My wife and i make about 0,000 combine income and it’s not enough here in silicon valley.

IM 21 YEARS OLD AND IM A LITTLE BIT IN DEBT FROM HAVING PAST CREDIT CARDS WHEN I TURNED 18 AND LOST MY JOB. IM ONLY ABOUT 2000 DOLLARS IN DEBT. I ALSO NEED A CAR AND WAS TRYING TO BUY ONE FOR ABOUT 1500. I WAS THINKING OF GETTING A BAD CREDIT LOAN FOR 5000. I NOW HAVE A GOOD PAYING JOB AND I JUST WANT TO PAY EVERYTHING OFF AND MAKE ONE PAYMENT. I HEARD ITS NOT A GOOD IDEA FOR SOME REASON. MAYBE DEPENDING ON WHO AND HOW YOU HANDLE YOUR MONEY? I REALLY NEED SOME GOOD FINANICAL ADVISE