setmefree 9 Posted February 17, 2015 Share Posted February 17, 2015 Its a rough planning, but staying sane with manipulating and abusive dad/bro is eating me up. My mom denies everything. Advices on jobs, saving money, food, housing, transport, anything. I might move in with a friend until Im financially stable. Maybe a roommate. Im going to a comm. college. Link to comment Share on other sites More sharing options...
setmefree 9 Posted February 17, 2015 Author Share Posted February 17, 2015 Moving out might be around the summer or the end of summer. Link to comment Share on other sites More sharing options...
NATURAL NI KOISHITE 2,184 Posted February 17, 2015 Share Posted February 17, 2015 DO NOT UNDERESTIMATE COUPONS and visit reddit.com/r/lifehacks and reddit.com/r/frugal often Link to comment Share on other sites More sharing options...
MermaidPrincess 4,039 Posted February 17, 2015 Share Posted February 17, 2015 I don't mean to be negative nancy debbie downer over here but that's nearly impossible unless you make bank The best I could tell you is if you're not afraid of getting loans, do that. Apply for a university, and apply for on-campus housing. Super expensive but if you're desperate enough to get away from your family, it's not that bad. You can also apply for work at the university Link to comment Share on other sites More sharing options...
setmefree 9 Posted February 17, 2015 Author Share Posted February 17, 2015 I don't mean to be negative nancy debbie downer over here but that's nearly impossible unless you make bank The best I could tell you is if you're not afraid of getting loans, do that. Apply for a university, and apply for on-campus housing. Super expensive but if you're desperate enough to get away from your family, it's not that bad. You can also apply for work at the university Would it be possible if I took a part time job and rent a room for about 500 a month? Link to comment Share on other sites More sharing options...
potaeto 1,933 Posted February 17, 2015 Share Posted February 17, 2015 YES coupons help a ton!! Learn your way through them and you'll end up saving hundreds if you do it right Link to comment Share on other sites More sharing options...
taemeans 1,966 Posted February 17, 2015 Share Posted February 17, 2015 Would it be possible if I took a part time job and rent a room for about 500 a month? Depends on the wage, and you'd most likely need a roommate to pay half of that rent since you will still have other expenses to pay for Link to comment Share on other sites More sharing options...
mew21 3,160 Posted February 17, 2015 Share Posted February 17, 2015 do you have to pay for your school? Link to comment Share on other sites More sharing options...
liya18 995 Posted February 17, 2015 Share Posted February 17, 2015 earn money... it's even better if you can find a roommate, living with one of your friends, you guys will share expenses(rent...) Link to comment Share on other sites More sharing options...
MermaidPrincess 4,039 Posted February 17, 2015 Share Posted February 17, 2015 Would it be possible if I took a part time job and rent a room for about 500 a month? factor in all of your expenses Link to comment Share on other sites More sharing options...
Affection90 2,412 Posted February 17, 2015 Share Posted February 17, 2015 join illuminati tbh Link to comment Share on other sites More sharing options...
potaeto 1,933 Posted February 17, 2015 Share Posted February 17, 2015 factor in all of your expenses^^^^^Don't just think about rent.. remember you'll have to pay for you phone, internet, electricity, water, etc etc Link to comment Share on other sites More sharing options...
setmefree 9 Posted February 17, 2015 Author Share Posted February 17, 2015 YES coupons help a ton!! Learn your way through them and you'll end up saving hundreds if you do it right um I dont think I will be getting any mail. So I guess the internet is one of the only way? Reliable sites? Link to comment Share on other sites More sharing options...
setmefree 9 Posted February 17, 2015 Author Share Posted February 17, 2015 Depends on the wage, and you'd most likely need a roommate to pay half of that rent since you will still have other expenses to pay for I live in CA. min wage is around 10 Link to comment Share on other sites More sharing options...
setmefree 9 Posted February 17, 2015 Author Share Posted February 17, 2015 ^^^^^ Don't just think about rent.. remember you'll have to pay for you phone, internet, electricity, water, etc etc The rooms I found include all of them except phone/ transport/ food. theyre close to the college im going to so I can walk Link to comment Share on other sites More sharing options...
taebb 1,624 Posted February 17, 2015 Share Posted February 17, 2015 The rooms I found include all of them except phone/ transport/ food. theyre close to the college im going to so I can walk in that case, budgeting is your friend. i'm not sure what the californian climate is like, but if you get winters you'll need to factor in your heating bills as well - they come up to quite a fair bit. assuming you manage to pay for uni and get in, you wouldn't have to worry about getting internet in the house because you can use the internet in the uni's premises. for food, find a chain supermarket nearby and go late at night just before they close. they'll be marking down a fair few items which they can't keep overnight, but which you can use. an example would be like chicken wings. they'll be refrigerated in the mart, so they can't keep them too long, but you can stick it in your freezer and they'll last much longer. fruit is another example, but you'll have to eat those pretty quickly. if you're not fussy about things like cereal, there's always going to be a brand on offer. then you'll have to take into account things like detergent and fabric softener for your clothes. don't bother being loyal to any particular brand - just grab whatever is on offer. in fact, is there an american equivalent of poundland/99p store etc? where things only cost a dollar? buy stuff like dishwasher or detergents there. depending on how fussy you are about bath gels, shampoos etc, you can also buy them there. good luck, OP! Link to comment Share on other sites More sharing options...
sane 16,342 Posted February 17, 2015 Share Posted February 17, 2015 Even after you get a job, live like you're poor and save as much as you can. Your future self will thank your past self immensely. Definitely get a roommate if you can, or even better find a share house with locks on the bedroom doors. Super cheap but still maintaining a sense of security. Track coupons and sales, and buy anything you're going to need a lot of in bulk. Even if you have to go hungry for a few days to save up the money to buy food in bulk, you'll eat a lot more in the long run. Same goes for things like TP and paper towels... you save a lot of money buying bulk. You can sometimes save as much as 50-75% when you buy in bulk. Hit up food banks. There's no shame. Later on when you're in good financial standing you can donate to the local food bank and the cycle will be complete. Donate money and not food though, because food banks usually have deals with providers that lets them get more food for their money. When in doubt, eat beans. A diet of pinto beans isn't glamorous or ideal for long term health, but it'll keep you full and alive for around $50 a month if you buy them dry in bulk. Less if you manage to hit a sale or find a coupon. Always round your expenses up. Usually spend $45 a month on beans? Round it up to $50 when making your monthly budget. Usually spend $0.75 a day on bus fare? Round it up to $1 a day in your budget. $180 on rent? Round it to $200. It's better to have money left over at the end of the month in your budget than to under-estimate how much you'll need. If you're in school, apply for grants, financial aid, and scholarships. The worst they can do is say no, the best is they'll give you some help. If you're in the US do not get a student loan. Student loans aren't governed by the same laws as regular loans, and they can seriously fuck your shit up. Unless you can get a full scholarship for a regular university, go to a community college. If you had good grades in high school you can apply to go to college in some countries where education is free, so that's always an option if you're okay with leaving the country. If you say whereabouts you live people can give you more location specific advice (like for example in the US if you're poor you can apply for EBT which will give you a little bit of food money). Link to comment Share on other sites More sharing options...
mew21 3,160 Posted February 17, 2015 Share Posted February 17, 2015 Parttime -> 20hours/week, min wage after tax -> 8.5/hour, you can make 170/week aka 680/month.. after rent you'll be left with 180/month for food and other stuff.. you can't afford a car so you'll have a pick a place close to school.. if you don't eat out or eat junk/expensive food you can do with about $25-30/week for food - you're gonna have to make your own meals though.. that's the only way.. -> food will be like $120/month.. so you're left with about $60/month? it'll be hard but doable.. but if you have to pay for your school then that'll be a completely different story.. :/ Link to comment Share on other sites More sharing options...
orphan 775 Posted February 17, 2015 Share Posted February 17, 2015 1. Accommodation - Try to get housing/accommodation near your college, so you could walk or bike to school. If possible, opt for on-campus housing. At least for the 1st year until you are better off financially from saving up from your part-time work. 2. Part-time work - You have to consider your 1st semester credit load and see how many hours a week that you can afford to set aside for your part-time job. Usually the 1st semester, depending on the college/uni, the school will try to get you slowly but still on track with the curriculum as the most of your peers. Factoring in travelling time to get to your part-time work from school or your accommodation. 3. Bills, Bills, Bills - Try your best to pay off in full...on time. Don't ever put off paying your bills. That cute top on sale is really NOT that worth it when you have to read your assignments in the dark with a candle burning. 4. Free Wifi - Utilise the free WIFI (there should be in your school right?) on your campus and save on the internet bill. If your housing is within walking distance to your campus, you can stay as late as you want in the school premises and you need not worry about taking the last bus home. 5. Security - How much do you trust you housemates and their friends? Do come to an agreement with all housemates or roommates. Like no parties in the house without checking with the other housemates first. Not everyone have exams around the same time. Some uni do helped out in matching students with similar budgets. Check with your local campus for further details. Plus, how comfortable are you with a co-ed housemate or single sexes? Just remember, privacy and your safety are important to take note. You don't want to walk in on your housemate snogging some one-night-stand because he/she forgotten to take out the trash. Personalities could clash but if it was mutually agreed upon beforehand, like laying out certain dos and donts...could save you a lot of headaches and hassles in the future. Like someone mentioned above, always looked for locked bathroom especially if it is shared communal bathroom. Always lock your room (if you are alone). Trust is important. But complacency is just sometimes not worth it. Lock your room. 6. Food - Cook at home often. Simple dishes are easily available online. Once in a while, potluck dinners with all close friends would be a fun thing to do instead of dining out. Discount coupons should be your new bff. 7. Medical insurance - Get enough medical insurance coverage. Better still, if your part-time job provides medical insurance benefits. Don't be fool by your youth! Ill health can affect your grades and part-time work. No work = No $$ 8. Ad-hoc job assignments - Look out for odd jobs on your student bulletin boards for any ad-hoc jobs or paying assignments that could last just one or two weekends. Having extra $$ is always good. 9. Save Save Save - No further explanation needed. 10. Rice and Beans - Good source of protein and the starch keeps you full for a longer time. 11. Paid internship - If there is any opportunities, try to secure paid internships during the summers. GEtting some industrial exposure during those time, would benefit your much better than a weekend in Cabo. Seemed like a lot to take in but in the long run, you are a step better off than your peers. Of course, do indulge in the occasional college or dorm parties. It's your college life, have a bit of fun once in a while. Good luck in college! Link to comment Share on other sites More sharing options...
Gloupipoo 1,619 Posted February 17, 2015 Share Posted February 17, 2015 Tons of people do it here. Find a roommate (preferably not your bff cuz it can tear friendships apart) and you'll be fine. Link to comment Share on other sites More sharing options...
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