This part's a bit long and not entirely relevant, so if you want to skip over I can sum most of it up as my flatmate is suddenly hellbent on keeping me from re-signing our lease to the point where I don't feel safe living here anymore, but the lease ends this month.
So to start with, I'm in a 4-person apartment with roommates J, R, and A. R was originally planning on dropping uni and moving out after the lease, and I wasn't entirely sure if I could afford my own place or not, so we gave new roommate C a spot on the lease for the upcoming year, and A/J offered to leave the 4th spot open for me while I figured my stuff out. Flash forward to this summer and R's changed his mind and plans to stay at uni and begins looking for a 1br place. I also decide to stay and J/A accept my intent to sign and promise not to give my spot away until we set up a signing.
Fast forward more and I've held off the physical signing for a few weeks because R seems to prefer to stay at the big apartment and, if I could find and afford my own place, I'd hoped to give up my spot to R. This all changes when, while I'm visiting family for the 4th, I get screenshots from J of A trying to convince J to get R to sign in my place before I can find out. I talk to R about it and he says A told him I wasn't signing the lease anymore and there was a spot open, but assured me he wouldn't sign if I still intended to. (Me and A butt heads a bit, but never afaiknew to this kind of extent, and he refuses to discuss why he wants me out so badly). From what I can tell, A is willing to to lie to one of my flatmates and try to manipulate the other (the texts to J were full of some pretty crazy truth-twisting, though J was able to call it out just fine) all under the table just to try and get me out of the apartment. While I could very well still sign the lease, I don't feel comfortable or really even safe being on this lease having to keep an eye out for A the whole time I'm here.
Talking with R, we think our best option is to find a 2br place for the year and neither of us re-sign. So now we're in a rush to find a 2br place within a month.
Now, onto actual finances.
Work has been hard to find this summer and I only just landed a job end of june at a small diner chain @ 10.50/hr. Management seems really friendly, lax, and willing to work with my class schedule and the job is a blast, so I don't forsee not working there very soon.
Rent at my current 4br place is 250/mo per person, but goes up to 275 this next term.
Me and R have showings scheduled at several places from 270-330/mo per person.
Lucky me managed to miss June's rent and only just found out beginning of July (account was like <$5 under. ended up dropping ~$80 in repeated check-bouncing fees, so when I checked later in the month, I wasn't thorough at all and figured the check already went through. not really much I can do but learn from it...)
So the position I'm in now is I need to pull together $275 in June rent and late-fees, ~$300 for new august rent, and ~$300 for a new apartment security deposit, working off something like $60 in my account right now.
What's even better is my parents are spending this summer building a new house/selling the old one, and are at the lovely point where the new one's almost done and they haven't sold the old one, so they're literally bone-dry and can't really do much to help here.
I tried for a loan at my credit union before I'd gotten this job, but they said they tend to need 1 month proof of income for loan approval (apparently common knowledge, ha). I don't know how solid of a requirement that is, but I was hoping to possibly give my first paycheck as proof of income and maybe make my case, so that's one option, if a bit hopeless...
So in summary I need 1 month old rent, a security deposit, and 1 month new rent all within the span of like a month, without any parental liquid and with only a few days of tenure at my new job. Any ideas or options you can think of that I haven't considered would be so helpful. I'm 19 at this point and just so new to all this and completely overwhelmed with all the adult bs that gets thrown on you so quickly and baffled at how so many people are able to make it through all this kind of stuff unscathed. Any advice at all would be so helpful. Thanks.
Submitted July 11, 2018 at 05:27AM by Sirius_Crack https://ift.tt/2NJlqiX
