Someone please help me figure this out?!?

Question

Hey,
I am just trying to get my self out of this situation I am in.
I live pay check to paycheck and I make about 680 each check every two weeks. My current rent is 440/month and I have to py 200/month to commute.
I am trying to move to another place closer to work where i would be spending 600 in rent and 100 in gas. I also have 70 in personal bills each month.
Can some one please help me find a way that i could move into the new place next month?
I still owe 240 in rent for my old place and the new place has a 200 deposit.
.... anyone can you think of a way?
thanks'

I work full time 40 hrs a week, I dont have any saved money and my parents will not give me a loan.

I live about 30 min from work now, when i move i will be 15 minutes from work, and a reverse commute.

Also, I have a credit card but its maxed, i am making payments on it. I cant get a bank account due to an old job i had their paychecks bounced so many times im on check systems, so that must mean a loan is out too...

I have to move, i am living with my bf and its not working out, also i did not pay for the deposit so i will be recieving no money for that.

Answer 1

You probably won't like this suggestion. Get a second job. Try waitressing. It pays cash tips (so you won't have to wait for a paycheck), they always need help at bars and restaurants on the weekends, and you can quit after you get your new place. Not a very nice thing to do to your new boss, but, in a pinch for cash, nothing beats a jar full of tip money from a busy Saturday night.

Answer 2

Well, when you move, you should receive your deposit back from your current place, so that could go towards your next deposit. If you have credit cards, you could either put the rent/deposit on credit (if they let you) or just pay other expenses on credit for a while to save up enough to pay the rent and deposit.

Some credit cards also offer cash advances. If you have an apartment and a job, I'm sure you can get a credit card, and perhaps even a bank loan. Check out any credit card offers you may receive in the mail, and perhaps discuss your situation with a representative from your bank. This is a small amount of money, so they may be willing to offer something in the way of a loan or at least make a suggestion.

But hey, it doesn't make much financial sense to move anyways. If you're paying $440/mo + 200 to commute, that's $660/mo total. But if you're paying $600/mo plus $100 to commute, that's $700/mo total!! Then if you factor in paying another deposit, an additional month's rent, and the cost of moving, plus any interest you'd pay on a loan or cash advance, you're really better off staying where you are.

Answer 3

Well I think you should listen to what you are saying. You are currently only paying 440 per month for rent & 200 to commute. You are looking at a place where the rent is $40.00 less that what you are paying for your current rent & commute. That isn't really smart because I mean yea the drive maybe long but you have more money to do other things. If you can find a place that is closer to what you are paying & closer that would be ideal.. I think you should keep looking & just pay the balance owed.

Answer 4

. Lemme see: your new rent would go UP $160 and you only save $100 on gas? HHmmmm. That's not getting OUT of debt.
Besides, on an income of $1400/mo, a $600 rent is too much. Keep it under 30%. Can you share an apt. for less than $440?
And $10 a day in transpotation costs seems excessive. Can you take a bus or car-pool? Get it down to $5/day. And reduce the 'personal bills' by half. Getting a loan, from anybody, won't reduce any bills or expensives.
.Or can you get a $9/hr job closer to home?
.

Answer 5

Your current rent plus commuting expenses are $440 plus $200 or $640. Your new ones would be $600 plus $100, or $700, so if you move, you'd have to find an additional $60 a month. If you are barely making it now, you'd be in even more trouble if you move.

Answer 6

imo, taking on a higher fixed cost by moving is too risky. is it possible to take public transportation? that might cut your commuting expense. what about carpooling with someone you work with? would they let you work 4 10 hour days instead of 5 8 hour days?

if you make $8.50 / hr (680 / 80hrs) or thereabouts, aren't there any similar paying jobs closer?

unless you really hate where you live i wouldn't move.

Answer 7

For the money that you make it would be more wise to work closer to home rather than move and pay higher rent.

Answer 8

Hourglass is whilst the bust and hips are the equal measurement and the waist is vastly smaller than the hips. Sounds like you'll be extra pear formed. Examples: Hourglass: 36-26-36 Pear: 34-26-37

Answer 9

Get a cash advance from your credit card and pay it back ASAP once you get settled in the new place.