Should I move into my own apartment? please Read?

Question

I am a 19 year old male, I'll be 20 in October 07'. I am currently working a job, and I make about $650 dollars a month, I am currently living with my grandparents, and I have a g/f who's 20 and she is 5 months pregnant with my baby. I have a car thats paid for, I just pay for car insurance $80 dollars a month, and I have a Bally's bill that is maybe 2 months late, and a JC Penny bill thats maybe 200 dollars or less. After I got my car and started working more hours I stopped paying my bills in order to get a little maintenence done to my car because I really need it. And I really want to have my own apartment and place to call home for when my child is born, tho' I know if I dont succeed I can always come back to live with my mother or my grandparents until I get back on my feet. So I am looking for an aprtment no more than 525 dollars a month, should I go ahead and get my own apartment or should I stay with my grandparents for the time-being and pay my bills off with my money I'm

Answer 1

1 - stay with your grandparents a little longer until you've paid off all your debt.
2 - very seriously look for an additional line of work because you are going to need a lot more than $650 a month for supporting a baby (diapers, clothes, formula etc), never mind rental - how much does the mother earn?
3 - you are going to need a damage deposit for your apartment - start saving.
4 - i commend you for at least thinking about this - now good luck to you.

Answer 2

Wow. Ok first things first...if you make 650 a month there is no way you can afford a 525 month payment. electric? water? phone? that makes a least 125. Also cancel the bally's the baby is so much more important and always comes first. Unless The mother of your baby is working...probably not right after the baby for a few months...oh and food( it costs more than you think). I think that it is time for a second job especially until the baby gets here work your heart out! Trust me the more you save now the better. Is there any other place you could live even if it is in your grandparents basement? Just the 3 of you then when you can get on your feet then move into an apt. you said if you dont succeed then move back in with them...you need to do that backwards stay with them first then get the apt. otherwise you could hurt your credit and that hurts a lot more than moving back in with the grandparents. Also they make great sitters (if willing) when you are at work. I want to wish you the best of Luck and congrats on the new bundle of joy.

Answer 3

If you're only making $650 a month, a $525 apartment doesn't leave you much money for bills or food. Even if utilites are included, I'd feel sketchy living on $125 a month with a baby. My child's daycare is 360 a month alone, let alone food, clothes, diapers, and wipes.

Look for an apartment who's rent is about 1 weeks pay. If your girlfriend can find a job, even better. Even she takes a few weeks off to have the child, the extra money will really help.

Before you start looking for apartments, it would be a good idea for you to have any outstanding debt paid. Having some stuff on your cards is fine, as long as it hasnt been sitting there unpaid for a while.

Answer 4

If you are 19, only making $650 a month and have a pregnant girlfriend, you need to get a better job. You can't even keep a baby in food, diapers and clothes for $650 a month, much less pay rent. How are you going to pay $525 a month rent when you only make $650? You're going to have utility bills, gas food,Bally's, Penny and the baby.

You are getting ready to be a parent.. Even if you live with your parents or grandparents, you're still not going to be making enough to take care of your family, unless you expect your family to keep you,your girlfriend and your baby up and that's not cool. You need to get a full time job. It's time to grow up.

Answer 5

You want to move into an apartment for $525 a month and you only earn $650 a month? Are you nuts? What about utilities? What about food for 3 people? Gas & insurance for the car? And costs associated with the upcoming birth of the baby?

I don't mean to sound cruel, but WHAT do you have to offer this coming baby? HOW can you provide for this child?

I highly recommend you remain living with your grandparents (if they are kind enough to provide for you) unless your girlfriend earns a good living, because based on the information you've shared, your idea is not going to float.

Answer 6

Pay off your bills or you will never get out of debt. See if the GF can work too until baby is born. You need to either get a job with more hours or a second job. $650 a month isn't going to cut it. Have her get WIC or food stamps to help her out.
See if the Post Office, the distributer center, has temp work, it is good pay and they always have overtime. No benefits though, so check into benefits for your baby. As the father you will be responsible according to the courts.

Answer 7

Id give it another 1-3 months at least, unless u hate living with ur grandparents that much

Answer 8

i do no longer think of you're arranged yet . There are contingencies that arise in life and the least will knock you for a loop . stay positioned till you're financially in a position to handle any unexpected emergencies

Answer 9

WTF?? Walmart emplyees make more than that! Where are you working??? Get a job and use the money to buy condoms