I'm a 20 year old living in the Southern USA, in a abusive home. I already have debts, and I need to relocate with my dog (10lb chihuahua mix) as soon as physically possible. This is all going to sound extremely bland because I was trying to fill in holes as fast as possible.
As for my finances:
My credit score from TransUnion is 581 and my score from Equifax is 504.
I currently owe $4,150 in student loans (currently enrolled in school so they are in deferment), and $1,400 on my credit card that has a $1,500 limit.
I have $10 in my checking account, $50 in my savings account, and $350 in cash hidden in my room, plus nine 2 liter bottles of change. I have a friend picking them up tonight so they can be counted at the bank.
I'm not currently employed because my manager noticed a decline in performance and I was fired, which is understandable. I don't have any money left from my last paycheck because I spent it on rent, gas, car insurance, dog food, groceries and my phone bill. My mother requires me to pay $450 a month in rent. My gas runs $60 a month, dog food $20 (skin allergy), groceries $30 (I learned to coupon).
My mother is physically and emotionally abusive. Not just to me, but also to my dog. Some days are okay, but most days are bad. I've had broken ribs, broken wrist, black eyes, my hair burned, my fingers broken, stabbed, etc. most of the physical abuse has stopped as I've gotten older and learned not to cry or retaliate, but now it's turned towards mental abuse and I'm not handling it well at all.
I've always struggled with depression but I'm at an all time low and I know that I need to get out of here ASAP for my own health and safety. Here I'm not allowed to shower unless she stands by the door, she put a tracker on the vehicle I drive and even one in my dog. I've lived with her for 11 years and I've never had one friend over. The other night she was "sleep walking" and I woke up to a 12 gauge pump in my face. That was 48+ hours ago and I haven't slept since.
Because I noticed my own decline (in my social life, my grades, my self care and even hygiene) before this I started piling up living essentials and hiding them at separate friend's houses. I have every single thing that I would need in my own place, from toilet tissue to silverware, minus a bed, which I just plan to get off Craigslist.
A concern I have is that the things I pay for I get at a discounted rate because they're under her policies/plans. My car insurance is $120/month for a 2002 Chevy Avalanche and my phone bill is $50/mo with Sprint, with unlimited everything and hotspot included (which is how I access the internet for school.) have my license, and of course feel like I need a car, but I also know how to get around without one. As 1st world as it seems, I truly do not feel like I could handle not having a phone. I do online sales (Poshmark/Mercari), I sell my own DIY projects, I make dog treats, leashes, and harnesses for $ and I get paid for social media presence. A big concern is figuring out which company I can go to that will be somewhere near the price I'm currently paying.
I'm a biological engineering major, but this last semester I was just really at a lost and my grades slipped, majorly. I have a 2.7 GPA now, compared to Dean's list last semester. I've already contacted my college and they said because I have no domestic violence police reports that can't help me with housing. I never lived on campus, my mom required me to commute.
I've found a few apartments that are under $1000 a month and 3 bedroom, but I don't know how to go about finding roommates besides Facebook or Craigslist, and I feel as though with my low credit and no payment history I won't be able to secure an apartment on my own without a co-sign. I've been looking for subleases, but all of the offers I've received have been to live with middle aged men...
If it helps, the city I'm hoping to move to is Raleigh, North Carolina, or the surrounding cities like Garner, Cary, Morrisville, and Wake Forest. Most complexes I've contacted said they need to run my credit before saying whether I can or can't get a lease, but I don't want the inquiries to hurt my score if I can't move now. They've also all offered to waive pet fees and deposits since my dog is from a shelter and would have no where to go.
Also, I've started applying for some jobs in this area and I've been offered a few off just phone interviews alone, plus it might help that I'm conventionally "attractive", as well as in shape and nice when I'm not a emotional mess. These cities are also extremely close to my university so that I can continue my education. Giving up my dog is not an option, as spoiled and ridiculous as it sounds. She is family.
As someone from a military family and town, with 6 direct family members suffering from PTSD, I truly don't believe enlisting would benefit me. If I could even pass the mental health testing.
Submitted May 24, 2017 at 08:23PM by throwittawaythen http://ift.tt/2qia2yA
