Thread Rating:
  • 0 Vote(s) - 0 Average
  • 1
  • 2
  • 3
  • 4
  • 5
ooohhhhh
#11
I'm not sure what country you're from so some of this might not help.

There's no shame in asking your family for help. In today's world EVERYBODY hits a rough patch.
Would filing bankruptcy help? I don't know if past bills are an issue, but you could clear that up. You can pay your lawyer bit by bit until all the court costs are paid. I know people don't like to do this, but if you're 41 now with bad credit you can use bankruptcy to improve that so when you're 45 you're not in the same boat.
Reply
#12
Hi Danielle can you ask your Dad. Like people have said before there's no shame in asking for help. I've been there and asked no hesitation we've all been there everything being so expensive now parents have to help their kids because the government make life so difficult it's the only way nowadays.Does your Dad know how distressed you are ,out of sight out of mind and all that, he maybe thinking your coping give him a chance to help you, you were his baby after all and I'm sure he's mega proud of you. He might be able to help with a bigger deposit to offer the agents /landlords up front to put you ahead of other renters just a thought. My daughters asked me plenty of times and being a Dad it actually gives you a great feeling to be able to help your kids....Just talk to him Wink.
Reply
#13
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
"Be who you are and say what you feel, because those who mind don't matter, and those who matter don't mind."
— Dr. Seuss
Reply
#14
You don’t sound pathetic at all and you are definitely not a loser!
We all have shit in our lives. Sometimes it tends to be neck deep. I don’t have any tips for you. I only have an observation that I have made with my own life: Even in the most horrible situations when you feel that a disaster is on its way, when that disaster detonate, every single time I have just placed one foot in front of the other and kept on going. Just like you and your family will do. It’s going to work itself out, one way or the other.
Sending happy thoughts your way. 🌈
We all have demons, I just choose to feed mine.
Reply
#15
(11-07-2018, 05:40 AM)Jessicat Wrote: You don’t sound pathetic at all and you are definitely not a loser!
We all have shit in our lives. Sometimes it tends to be neck deep. I don’t have any tips for you. I only have an observation that I have made with my own life: Even in the most horrible situations when you feel that a disaster is on its way, when that disaster detonate, every single time I have just placed one foot in front of the other and kept on going. Just like you and your family will do. It’s going to work itself out, one way or the other.
Sending happy thoughts your way. 🌈

Thank you Jessicat xoxo
"Be who you are and say what you feel, because those who mind don't matter, and those who matter don't mind."
— Dr. Seuss
Reply
#16
Hi Danielle . The way I'm seeing it is extra repair costs on your car plus petrol and god forbid high mileage meaning possible new car in two to three years for the long commute will probably bring your overall expenses close to if you stay if your living near work. I'm sorry if I sound like a red rag and a bull but if possible keep your Dad in the loop before a major move out of state. Your not losers in my book and Dads and daughters it's just a close bond no matter what...I'm sure he wants you to be safe and nearby to your little girl so keep him informed that's important I think.
Reply
#17
(11-07-2018, 04:52 PM)Joturbo Wrote: Hi Danielle . The way I'm seeing it is extra repair costs on your car plus petrol and god forbid high mileage meaning possible new car in two to three years for the long commute will probably bring your overall expenses close to if you stay if your living near work. I'm sorry if I sound like a red rag and a bull but if possible keep your Dad in the loop before a major move out of state. Your not losers in my book and Dads and daughters it's just a close bond no matter what...I'm sure he wants you to be safe and nearby to your little girl so keep him informed that's important I think.

Thank you Joturbo, I appreciate your thoughts.  xoxo
"Be who you are and say what you feel, because those who mind don't matter, and those who matter don't mind."
— Dr. Seuss
Reply
#18
Is a roommate situation possible? A friend or co-worker looking for something to split? Or, perhaps renting like a basement apartment from an individual similar to the arrangement you have now? That could eliminate the credit block issue.

If not, would a short-term 'homestyle' hotel work? Those would include all utilities and might be within budget as a temporary option.

Sorry I don't have any advice but empathize. Good luck. Smile
[Image: Cat-Memes-High-Five-with-Hammer_zpsb91b11b9.jpg]
Reply
#19
Thank you MissGuided, a room mate situation wouldn't work, because no one really wants to be roomies with a couple and tthei infant. lol

The home-style hotel may work temporarily, that is something I will look into for sure!
"Be who you are and say what you feel, because those who mind don't matter, and those who matter don't mind."
— Dr. Seuss
Reply


Forum Jump:


Users browsing this thread: 1 Guest(s)