Life Changing decision,,, I need help making this choices!!?

Question

Financially I have hit rock bottom. I have a 2 yr old daughter and the courts mandated I pay 275 a month for insurance for her. Her daddy isn't steady with paying the child support. With my bills I have 200 dollars in the hole. My only extra I can drop is cable so I would be only 100 in the hole. I was given a choice to move an hour a way from my work to live with my mother or move 10 mins away from my work to live with my friend. My mom has no extra room for me and I would sleep on the couch the days she is home. The baby would be in her room unless her boyfriend was over then we were both on the couch, I would have to pay a lil less bilss. My friend has no child but one small dog. She has an extra bedroom and she is already established. I would be about 300 to the good when bills are caught up. I would have to share a room with my daughter but wouldn't be able to take everything like I have at my own home. I would have a tv in my room. What do I do here?

we have been friends for 13 years. i get along better with her then my mom. Oh and I budgeted everything with this new increas and the two in the hole is with buying necessity's only. No new clothes no new nothing!!!!!!! I have cut out all the extras and I'm still in the hole. I would have nothing. My family drives me nuts, I have two sister's living there, my nephew her fiancee and getting control of the tv would be ridiculous. Plus all the extra gas from an hour commute. I get carsick


So how do I break out of my lease?? say I lost my job or was cut part time?

Here's the thing she is on a medical card the state is mandating I take out insurance on her it's court ordered. I make to o much money for assistance and too little to get by with the 400$$ REnt I have so hear you go is my bills.....
400 rent
65 phone
100 electric
100 cable
50 water
275 insurance
40 car insurance
180 daycare
320 gas in the car
This is a month you tell me what to do!!
I only bring home 1600

Answer 1

I would stay with your friend as long as she doesn't party a lot. You need money, and it sounds like you'd be a little better off with your friend.. I also think that you should apply for income based housing. They base your rent on your income. Or, you could apply for HUD housing where they pretty much give you a home. I recommend that you go to division of family services and talk with someone about your options. Maybe you should also look for a better job or try to get into a good school so you won't always be in situations like this. I personally think you should stay with your friend if you will have more room and money. But, if your friend is a little on the wild side, it would be better to stay with your mom because being in a safe environment is what's most important. Whatever you choose make sure it is a temporary situation.

Answer 2

From what you describe, the only benefit to living with your mother is that she's your mother. Everything else points to the better choice being the friend near work. My only concern with that is the size/kind of dog she has - I always worry about dogs and children. I'm not judging, I just worry. Many many people have great big dogs who are great with small children. As far as breaking the lease, just tell the guy you're moving out, you can't afford the place anymore. If you signed a lease there will be a penalty - tell him to send you the bill. Nothing you can do about it right now, so don't waste effort worrying about it at this time. Can't get blood from a turnip, as they say.

Having a roommate is not easy. It will require a lot of flexibility and communication on both your parts. I hope this helps you get back on your feet. Good luck!

Answer 3

Sounds like living with your friend would be the best scenario - as long as you feel you two will get along. You will save money, have privacy, be closer to work, and will still be able to retain your independence. Doesn't sound like living with your mom will be a good situation.

As for taking all your own stuff - see if your mom can store it or if there is extra storage at your friends apartment. If not, and you are not willing to get rid of anything (sell it, give it away), then you can find cheap storage (depending on the size you need).

Hopefully, it won't take you long to get back on your feet and your child's father will start paying child support more regularly!

Good Luck!

Answer 4

Alright, you SHOULD be able to receive help from either welfare or medicaid for the munchkin. Move to your friends, it sounds a bit more stable. You can either find a storage facility that doesn't cost much and put your things in there OR, you can sell half of your things and take only what you need wtih you. That will help you crawl out of the hole a bit, fyi. When you have children and hit a situation like this, it's all about sacrifice hun. Sell you stuff and when you get back on your feet...buy something else.

Let them know you were fired or had to take a decrease in pay, whatever. You may have to pay a penalty unless they are understanding. So...further in the hold...again, sell your things and it may pay for that.

Answer 5

I am sure I am not tuned into a lot of the the stuff the state come up with, especially telling you to move. If you have a lease you can not just walk away from it. At best you will lose any deposit you might have coming back, and you will still be liable for the rent until they get your place rented again. you mention the father is not up to date with his payments, have they taken that into consideration, and if so are they going after him to get and keep current. What type of help if any are you getting from the state? They should have several programs to help you. Maybe you need to talk to more people rather then the one agency who is putting pressure on you. Sometimes government agencies do not communicate with each other so you have to do it for them. Living with your friend sounds like the best solution if you do have to move, but i am sure that would only be a temporary solution. Do your best to put more pressure on the father to help out you should not be the only one to suffer because your budget is so tight. Good luck.

Answer 6

With what bills you mentioned why not try and car pool and lay low with car until you get things caught up because 275 for insurance thats very high and then I don't remember if you said if you had a car payment but if so thats another expense or maybe try public buses, thats just a suggestion to give you more money until you can get some other kind of insurance or take a couple hours less at work to get the public assistance...

Answer 7

Wow that sounds like me..lol If i was you i would stay with your friend and have your own bedroom it dont matter if u have to share a room with your daughter and may i suggest go to the local Job and family services and they can help you with your insurance you may even have to pay anything at all..and get a storage building for the things from you house usually they arent very expensive about 40 bucks a month and you get to keep everything so when you get on your feet you have them for your own house or apt. you wont havr to buy new.. good luck..and i know what your going through!

Answer 8

personally i would room with my friend...its only 10 minutes away plus yall have your own room. Its better for a child to be in a room with her mother than have her sleep with her grandmother only when her boyfriends not there. no offense to your mother but i would go with your friend. You can also get a climate control storage for all your other belongings, there not too much...i had one before and it was like 50 bucks for one that held 2 beds, tables and chairs and plenty boxes, im sure you can find one for cheaper than that. plus you can save money as well living with your friend...you said you would be doing better....im sure its not permanent either so you'd be making a good choice! take care and i hope everything works out for the best!

Answer 9

I would pick your friend. Get a storage locker (they are like $30/month) and put what you want to keep in there. If your friend has a attic or basement even better. Your child will have a sence of home at your friends house. At your moms she would be going from room to room sleeping. You will also save money on gas to get to and from work.

Answer 10

One aspect you didnt include, but which is important is how well you well get along living with the two. That will make a big difference in your happiness. Personally just from what you said I think I'd go with the friend who has a room.