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Hey BFC, I figured instead of having my routine bout of laying awake in bet trying not to have a panic attack, that I should probably write out a list of my problems and assets; it wasn't that much of a stretch to turn it into a post where I could get eyes on it and maybe get some advice that can help me I'm 27, high school educated, decently internet savvy but lacking in any degree or training, and over the last two years I've had my life turned upside down. Since I quit my last job (as a nobody at a gas station) in 2009, I've been taking care of my mother in the family house, just her and I. In March of last year, she passed away, and in the intervening time I was quickly relocated to a place I only kind of liked (and now strongly dislike), my dad moved to the far end of the state, remarried, was diagnosed with cancer and died in February this year. I wasn't exactly the most mentally sound person before all this happened, but now I'm just a walking ball of neuroses trying to learn how to really be an adult for the first time. My bank accounts are finally hitting their limit and if I'm not careful I might ruin the rest of my life if I handle this wrong, so I'd like some advice on how to...well. How to rebuild my life, I guess. ASSETS - I own the house I live in, and have for about a year and change. I currently have a single roommate that I charge rent. I also have another room that's currently empty that I can also charge rent for. I've been holding onto it for a specific person but they continue to not make any advances towards moving out, so I'm talking with my roommate about opening it up to our friends as a whole and then the open market if there aren't any takers. - I also own vehicle that, with about ~$500 worth of work, -should- run fine for a while. It's old but I have basically no wear and tear on the vehicle. - At some point, I have an amount of inheritance money coming in. I've been waiting for this hail mary for a while, but it's hit every legal snag it possibly could, and at this point there's no telling if/when it actually happens. More of a possible bonus than an actual asset, at this point. - I have an extremely cute dog. I can't derive any practicality out of this, I'm just listing it because I feel pretty terrible right now and I need the boost. PROBLEMS - I didn't realize it at the time, but even owning the house I live in, the place is a money pit. I conservatively estimate that it takes ~$1200 a month to keep the thing moving, and while some of that is going to property taxes that I don't have to pay until December (or February, if I want to throw the tax year to the wind), there's only so much I can delay some of this, and their are consequences for doing so. - I'm behind on some bills and I have more upcoming, including that car repair. Not catastrophically so, not yet, but to clear out all my debts would leave me with no money for food or car repair, so I have things like the electric bill still outstanding so I can eat. No credit or credit cards, so when I'm out of money, I'm truly out. - Outside of $300/month I get from a trust, I have no income. I haven't held a real job in over 6 years, and everything before that was fast-food level work so even if I remembered references they wouldn't exist anymore. I need a job, and this is particularly harrowing for me. I'd like to work at home because of some medical issues, but I can buckle down and head out into the world for employment if I have to. - Besides the normal amount of disrepair that occurs 6 months after you buy a place due to bandaid fixes giving out and regular wear and tear, roof damage, water damage and an increasingly destructive rat infestation have wrecked this place a bit. Again, not catastrophically, but those repairs on top of some other big items puts a hefty price on getting this place ready to sell again. - I eat out every night. Every. Night. I thought getting a roommate would make cooking for 2 easier, but his schedule and mine don't line up at all so shopping basically doesn't happen and we're terrible about doing things like cleaning dishes, so in the end our limited fridge space is taken up by takeout boxes and leftover food that has to be thrown away. This is a major, major deal in my eyes. - On a personal note, my physical and especially mental health is entirely in disrepair. I've been staring down the barrel of this for a while now, but I waited to the last minute because I felt like I simply couldn't handle it before now. I still don't, but now I really don't really have a choice if I don't want to face homelessness or bankruptcy or something like that. This is way bigger than a simple footnote on a BFC post deserves, but I have to manage it at some point if I want to get any real progress at all. Any advice would be super helpful. I might revisit this later today or tomorrow once I get some sleep with some preliminary questions on how to approach certain things, but for right now I'm going to leave it there. Thanks again.
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Sep 18, 2015 14:04
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| # ¿ May 16, 2024 14:14 |
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Living off of family savings, while I was taking care of my mother. Living off of what inheritance that didn't go into the house, once she passed. Plus the $450/month rent that I've had for a while now from having a roommate. And to be clear, I was talking about at-home work versus a normal job. I know I have to get employment, I was just acknowledging that unlike some folks who can't deal with leaving the house because of medical issues, I -can-.
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Sep 18, 2015 15:06
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