I'm 24. I have no highschool diploma due to dropping out of school to care for my disabled mother. We live off of my mother's income which is roughly $2,300/month and enough to survive off of, but we can't find an apartment due to her poor credit (credit score is around 580, but a recent eviction is the main bottleneck here).
We've been homeless since July of this year and have been living in tents and couch surfing to survive while repeatedly being denied at any apartment we apply to, draining our money into application fees. I'm tired and feel lost and helpless to get out of this situation on my own. I had a job, but wasn't able to make it to work after my car broke down and I was unable to fix it.
My goals for the future are to get my mother in a stable enough situation for me to comfortably leave her and get my own. I'd like to get my GED and possibly find higher education if it's an option financially. I'd like to build up my credit and earn enough money to live on my own while still living with my mom and using that time to save whatever money I can. I just have no idea where to start. I haven't been taught any financial literacy and neither was my mom. My mom is considering moving to a state with a lower cost of living and less steep move-in requirements, but that would be at the cost of being near family and possible career and education opportunities that I would like to pursue. I think we should start by contacting our last landlord and making a payment plan on our debt to try and improve our credit and get that prior eviction off of our credit record, but this seems like a more long-term plan than would be beneficial for us in the moment since we're in need of immediate housing, especially with a 6, 7 and 14 year old all depending on us.
I guess I just want to get an idea of a game plan for going forward from this. I have no idea where to start and everything I've been trying has just pushed me deeper into this hole and I'm feeling lost and incredibly depressed. I just need help.
If it's helpful for your advice at all I live in New Hampshire but am interested in living in either New Hampshire or Massachusetts, possibly Maine if it's nearer the New Hampshire border.
Submitted November 05, 2019 at 06:08PM by MentalCockroach3 https://ift.tt/33mHV4C
