Thank you for all your replies... I appreciate them all!
This explanation is going to make me sound even more pathetic than I already seem... So, I do have my boyfriend, who quit his job 2 weeks before our daughter was born... he only got a job last month, and was out of work for 6 months, leaving me to pay the bills etc.... we rent from my family who got fed up with my boyfriend for not working and had him evicted from the apartment, and then my family asked me to find a place and be out by the holidays...
At this point, I have no real debit, so filing for bankruptcy won't help me at this point. Before he quit his job, we did ok, we were fine, but now, we are struggling because we now have a baby, and 6 months of things to catch up on. In a few months, we will have money saved again... etc....
But because I now have this time frame hanging over my head because my family insists that I leave the apartment that I rent from my grandmother, I am screwed.
My credit isn't horrible, its just not good, and my boyfriend has no credit at all. My credit is lower than what most places are what people are looking for, but only by a small margin.... my dad is willing to help with first ,last, and security deposits, if he can and will do his best to help... only problem is.... he will not co sign for me if needed. Reason being, when I was young, and bought my first car, I made a lot of late payments and he was pissed that he was the co signer. Now that I am an adult, and paying on time will not be an issue, I do no think my father will be willing to co sign for me ever again. Yes, I am a big loser.
I live in a super expensive state, and to stay near work, its next to impossible to find an apartment that is actually affordable. The cheapest I am finding is $1700 for a 1 bedroom.... no utilities included.... So I have been looking in a bordering state, which is more affordable, but will put so much extra wear and tear on our one car, with the commutes we will both have for work...
Blah blah.... No, my family will not budge on time frames and give me more time to save money, yes, My loser boyfriend is now working, but we still need a couple more months of his steady paychecks for us to get back on track.... I work fulltime, in the Social Services and get paid next to nothing, but my schedule is flexible, so its super helpful with having a little baby to take care of.
I'm sorry to write a book here.... I'm just trying to explain the situation and why I am not sure anything is going to work out. With my job, I make too much for any state assistance....
So I know, I sound pretty pathetic, its just hard right now, when we have no money, a baby, and a time frame on finding a new place that requires extra money just to move in. I am hoping that we can find a place, move in, get settled, fix my credit, which hopefully wont take too long... and hoping that 2 years from now, this will all be a bad memory...
Thanks for reading and listening... xoxo