I'm 16 and I want to move out?

Question

I argue with my whole family, and I really don't feel that I can live with them for any longer.
I think the only logical thing to do is move out and start renting a shared property. Though I've always thought renting wastes 1000s' of £.
I don't suppose their is a way around buying a house at my age - and getting a very large mortgage?
Thank-you very much x

I get emotionally and physically abused at home. And I am always threatened of being kicked out *and have probably been kicked out 10 times before*. I don't like not knowing whether I'll have a roof over my head each night or not.

Answer 1

well, unless you have a full time job that pays you pretty good, your better off to wait until you 18. Most places won't rent to a 16 year old and there is no way your going to get a loan to buy a house.

Answer 2

Star, I know exactly how you feel. I wanted to move out when I was 16 and that was back in the dark ages. I argued with my family all the time. My brother beat the he** out of me daily and I was used as the family maid. Clean cook, do laundry, iron clothes etc. etc. I hated it. But I waited it out and then moved on when I was 18. I traveled across country and lived as far away as I could. But boy did I make a mountian of mistakes along the way. Eventually I got my act together and started living like a responsible human being but I sure did flounder there for a few years.
The best thing I can tell you to do is just try to smile everyday and count your blessings while you are there. What kept me going was that I KNEW that I was going to move and I kept creating that in my mind clearly. I worked at a part time job so I could get experience. That helped me out a lot....having a bit of money of my own. And I saved up some money to move.
But let me tell you trying to go to college and work and pay for everything was no walk in the park. Ultimately it was too hard. I kept having to leave school and go back. I was never able to finish my degree.
Unless you have a huge substantial inheritance or have won the lotto you won't be able to buy a house. And the cost of living in europe is far more expensive than it is here in the states. And every banker or mortgage company will look at a 16 yr. old as not being mature enough to handle the responsibility of a mortgage. Hang in there Star and do everything you can to prove your maturity by making smart decisions now. Finish school, get a degree and find a secure job that you enjoy. Once you've saved up some money for a downpayment you can look at buying a flat of your own. By then you will appreciate it much more. And will have that sense of pride for all your accomplishments.

Answer 3

Yep.. I remember that well

When I was 16 I felt the same way. My parents actually let me live away for 3 months (turned out they were always in the background but I never knew that) I learned about life REALLY fast that year. When I came home I had a whole new respect for my folks.

Years later all my kids (3) had the same reaction and angst at about the same age - and all their friends seemed to be right in that same boat (we had more then our share of 'overnights' staying with us.

I guess what I am trying to tell you is that, while different familes have different ways of dealing with it, the effects of proximity, school, hormones, and peer pressures seem to always generate the same sort of issues at around the same time in life.

Maybe knowing that will help, maybe not.. what I can tell you is that in about a year it will be a lot less and in 10 years you will have a lot of insight because of it.

BUT.. having said that, here is what I can tell you to answer your questions:

1) You are in England I assume (we use $ in the US) so the laws for emancipation of a minor are likely different. But until the court declares you an adult you can not enter into contracts or legal issues. That lets out buying a house via a mortgage or any other purchase that requires payments or a contract. As a minor you are not responsible to honor those contracts and the other party will know that they are worthless

2) If you share a flat/apartment/house as a minor, and something 'bad' happens the others in that house can be charged with contributing to the delinquincy of a minor (or worse) if they/he/she etc... ARE adults. No skin off your nose, but would you want to place THEM in that jepordy.

3) Jobs: If you are going out into the real world, you have to pay to exist there. You need to estimate what that monthly cost is and then determine what you can do that will earn at least 150% of that amount. Do you have those skills or are you counting on your wining ways and personality to see you thru... remember this is the REST OF YOUR LIFE and that tends to run a long time if you are lucky.

On the plus side, your time IS your own. So when you are finished work, school (?), shopping, cleaning, cooking and eating, your time is all yours.. a nap should sound good about then.

Bottom line here... tough it out. Its a lot worse out there in the real world and at 16 you prob. need to learn a few more skills and things to deal with it.

Sorry......

.

3)

Answer 4

Although you may be legally able to live on your own, the question is whether or not your state will allow you to enter into a rental contract. You may have a problem with the person you share the property with and by your name not being on a lease, you can be asked to leave at any time.

A lender will look at your credit history, your employment and your income to insure that you are able to meet monthly mortgage obligations.

Believe it or not, at your age there is still so very much to learn in life. Your family likely doesn't want you to learn the hard way...like putting yourself in danger and not knowing it until it's too late to escape. Think about it.

Answer 5

If you live in CA, you must earn enough to take care of yourself on your own. If you do, you may become an emancipated minor. If not, STAY home! Truly, just look at people on the streets, living there who didn't tough it out at home until they could provide well for themselves. Prices, today, are high for everything. Could you even GET yourself to school? Are you ready to PAY for all your food, power, electricity, rent, gas, cell phone, tv? You'll need clothing expenses, too! You could end up in a foster home, and even more than one. Stay home, tough it out. I did.

Answer 6

LOL-- no offense but you sound like a NORMAL 16 year old. No one 16 gets along with their parents. It will pass soon... moving out now would be a major mistake. 16 is to young to be living on your own, you could put yourself in a terrible financial downspin.

Give it a a year or two , if things dont improve.. then you could consider it.

Answer 7

I felt the same way when I was fifteen. Well, my parents weren't so fond on the idea of me moving out. anyway I did sort of. I went to a boarding school which can be quite fun some times. but please, don't think of moving out on your own. You're still so young, and its expensive too. So, If you really can't stand living at your parents any longer, please consider a boarding school then. Its not that bad, even though it ain't perfect either. good luck with it

Answer 8

if you are being abused at home you have rights under the law . you may move out, establish your own credit and get a job, you can take your ged and find someone that wants a RESponsible roommate. check Craigslist. be careful and stay in school.

Answer 9

i agree wtih majority of the other people. there is no need for you to move out. i'm 16 too and i fight with my whole family too, actually i dont even speak to several members right now.. you need to just chill whenever you get angry. do you really think you are ready to move out? do you think you can handle it? living on your own. driving or riding the bus everywhere. paying for everything yourself. balancing your money, not wasting it on cds or movies? if you feel you are ready, good luck.