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I can't afford to live?
I'm 19 nearly 20 and I really want to move out but I can't afford it. I work full time and have done for the past couple of years, saving almost every penny I have earned in that time. I work in a hotel doing housekeeping, which is extremely tiring and the pay is below minimum wage (they don't have to pay minimum wage to under 21s) and so each month I come out with like £500/£600 if that. I had a second job in the evenings but I got taxed so much on it that it wasn't worth doing it. If I quit my job I would only be doing the same thing in a different hotel, as I live in a tiny tourist village that is made up of hotels and B&Bs. I can drive but I can't afford a car and the buses are way too expensive to travel elsewhere. I went to college and did a childcare course, but I hated it and do not want to go into childcare. I can't do another course because I would have to pay thousands to do it, and I can't afford to not be working full time. Besides, there is nothing that interests me that I would like to do. I just want to move out as I hate living here. There is absolutely nothing to do, we are miles away from everything such as shopping and things like that, and I have no friends here. I know most people say that at 19 you should be going out and enjoying life, but my parents are suffocating and don't let me do anything. They are really strict and say that whilst I live under their roof I need to obey their rules so no going out at night and things like that. It's really embarrassing and I just want to get away and live independently. The thing is I just can't afford to. I have looked into the cheapest areas to rent and buy but they're still way out of my budget. I can't get a mortgage because I can't afford the repayments and I've looked into house sharing but in the area I want to be (Huddersfield/West Yorkshire) there are still none I can afford. Most of them are for students anyway. There were a few near Leeds that were cheaper but they were way out of town and I don't have a car so wouldn't be able to live there. Also, I was looking at jobs in those areas and there is hardly anything, and everything that was there was either terrible pay, meaning I couldn't afford to live, or only part time or care work where you need your own car. I just don't know what to do. It's getting me really depressed thinking about it and I'm just now thinking what is the point. I've spoken to my parents but they don't have any solutions and I've got no-one else to turn to. This country robs you of absolutely everything. How do they expect young people to live?! I've even looked into moving abroad but I can only speak English and for countries like Canada/America/Australia you need a visa which I wouldn't get because I have no use in life. Please can someone help me out as I really can't see a solution to this. I can't sleep at night thinking about it and I'm constantly stressed out and upset. Please someone shine a light.
12 Answers
- !Lv 78 years agoFavorite Answer
You're also very confused! There is a national minimum wage for people of your age and you should be getting at least that.
Quitting your second job because you were 'taxed so much on it it wasn't worth doing' is nonsense. You can earn £9,440 in the current tax year before you have to pay any tax, so sounds as if you were on the wrong code.
Rather than continuing to see yourself as some sort of victim, sort out your priorities. Few teenagers/twenty-somethings can afford their own place, shared or otherwise. If moving out is top of the list, get a job which includes accommodation - live in hotel or bar staff, mother's help, au pair or whatever.
- Anonymous8 years ago
You do sound a bit down in the dumps.
On the positive side you have shown a work ethic and have completed a course which will both help when put on your CV.
If you are working full time 35 hours you will be earning at least £171.25 per week which should allow you a room in a house share.
You say you have money saved. Can you print off a couple of hundred copies of your CV and go and stay at a friends house for a couple of weeks and find a new job in a shop or pub working full time. Then get yourself into a house share.
Things will still be tight to start with but then you can start looking for better paid jobs.
- ?Lv 78 years ago
If you're working full time, then the NMW for your age is £4.98 per hour, which works out at
around £175 a week, so see if your tax code is correct
My son and his mate share a flat and earn less than you
My son and his mate share the rent and all the bills and they manage
So think about a mate who will share a 2 bed flat with you
If that fails, well the only thing you can do is look for a better paid job, or another evening or part time
job, and that will get you more income
Source(s): uk - doveLv 48 years ago
Its no good blaming your parents or the govt.
The only way you change things is by you taking control.
Go and visit Huddesfield and hand your CV into hotels,shops,offices etc,be pro active.
We know its hard to find work and you will have to do hundreds of applications that's just the way it is.
Once you found something you can then look for a room in a shared house.
Life may not be perfect its one of the things we have to work on,and you are still very young.
Onwards and Upwards
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- Lily B TalusLv 78 years ago
Sadly , this is the reality for the majority of people...you just need to keep saving ...or get yourself any old cheap car and hit the road and take your chances...you could travel around working casually at festivals during the Summer.
Consider seeing the doctor for a low strength prescription of anti-depressants.
Consider doing an Open University degree, this wouldn't cost you much on your income...or get a copy of "The Lady" and look for a live-in nannying job in another part of the country.
- Anonymous8 years ago
Could you perhaps look into shared housing? I live with a housemate but when I first moved out I lived on my own, the pressure was immense and I have found living with a housemate a lot less stressful. Also, remember the home comforts you receive while your at home, don't take them for granted. I moved out at a very early age and struggled like hell before eventually having to move back in with my parents to get myself back on my feet, which was, I felt, humiliating as I had failed living in the 'big wide world' on my own.
Remember that even if you do move out anticipating going out all the time, you probably won't be able to afford it, it's that simple. However, good luck with whatever you decide and I assure you, once you learn how to manage the extra expenses and responsibility, it is good fun living with a mate.
Source(s): Me - 5 years ago
I'm in a specialized technical field and it pays alright. I have my own apartment and I pay all of my own bills including a car payment. Budgeting and not living beyond my means helps. A lot of people have to work more than 1 job and have roommates to make ends meet. A lot of people also have high paying jobs. Los Angeles and California are quickly becoming a place of haves and have-nots. The middle class is moving out of the state.
- seaviewLv 68 years ago
Not all shared accommodation is for students. My daughter shared a house in Meanwood Leeds with a shop worker ,2 call centre staff and a bank clerk.
Use the skills you have and look for work in a hotel in Leeds theres quite a lot of them.Search spareroom/gumtree for a room .And then when you're established in the city then start looking for a job that interests you.
Its up to you to make it happen.
- Anonymous8 years ago
Investigate the availability of Housing Benefit. You should be able to rent a place and get assistance with the payments as you are on a low wage. View the link. You need to be determined to find a landlord who will accept a tenant on benefits but they are out there so don't be deterred.
Source(s): https://www.gov.uk/housing-benefit/overview Private landlord