Hello. I (22F) currently work as an office administrator and make $680 a week after taxes.
I have a 3 year old daughter and her father is not on child support. We've agreed to split daycare 50/50 and he takes her on the weekends. He works odd jobs as of now so putting him on child support wouldn't be a sensible option anyways.
My monthly income after taxes is $2,720.00
My monthly expenses are as follows:
Rent: $750.00
Car Note: $314.00 at 3.9%
Car Insurance: $220.00
Phone Bill: $115.00
1/2 of daycare: $400.00
Groceries: $300.00
Gas: $120.00
Subscriptions: $26.00 (Squarespace and Spotify)
I am currently renting a room but I just found out that the owner is moving at the end of February so I can not renew my lease. At this point, I am scrambling looking for a place. Renting a room to a mother and child is unheard of, especially in my area (South Florida) which is understandable. I have seen studios posted for $925/month which will probably be more around $1,100.00 after electricity is incorporated but so far all of the listings have stated that they will not rent to a 2-person household.
Additionally, I have very poor credit and am looking into filing bankruptcy. I maxed out my credit cards after losing my job and breaking up with my daughter's father. Since everything was in my name, he didn't have an obligation to pay rent or the note on the car that we had together at the time. I was trying to avoid an eviction on my record and keep my credit up but I eventually buckled. Everything is in collections at this point because I couldn't keep up on monthly payments. I do however want to try to save up the money for bankruptcy before I get taken to court.
My daughter's father has not worked a stable job since we broke up and he lacks initiative overall. He sleeps on the couch at his family's house and his car is broken down as well, so it is necessary that my daughter remains with me primarily so that I can bring her to and from school. Everyone has told me to put him on child support but I feel like that's trying to get blood from a stone and I still hang onto hope that he'll get it together. I don't want to kick him while he's down and lead to him going to jail or having his license suspended. Also, I think that 1/2 of daycare is sufficient because my financial downfalls stem from MY bills, not my daughter and although we are only cordial, he is a great father and that's all I need from him.
I am willing to work weekends and I've called pizza places, restaurants, and banquet halls. Unfortunately none of them are restricted to just weekend work. I understand that my phone bill and car note are high. I acquired the bills on my credit during the time that I was with my daughter's father and our incomes were combined (he was working a stable and well-paying job at that time). My phone bill will lower to $65/month beginning January. I currently owe $9,300 on my car based off of a 72 month loan (2015 focus SE).
I am having car problems (transmission and tires) but it's not in my budget to fix them at this time. I'm not sure how to properly allocate my money to save while paying my bills. I grew up in an abusive family so they're not an option to reach out to since I haven't spoken to them in years.
Additionally, the job I am at now doesn't provide insurance because it is a small company and the state has quoted me $175 a month to insure my daughter which I will need to pay soon.
I know I sound like a hot mess and I've learned a lot in a short period of time. I am a hard worker and I am not opposed to doing what is necessary in order to be a good provider for my daughter. I do not qualify for assistance because I am told that my income level is too high. Also, if you all have any recommendations for odd jobs please let me know.
I was in school for computer science but I had to put it on pause in order to work and support my daughter. I know some web design and am well-versed in IT as well.
I am willing to clean houses or do whatever I need to in order to stay afloat. I understand my situation is all over the place but any advice that you all have in order to help me 'reel it in' is greatly appreciated. Thank you for taking the time to read this.
Submitted December 10, 2018 at 10:41AM by f1n4nc14lh3lp https://ift.tt/2L6AoyN
