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Always borrowing money from each paycheck?
So, I have been out of college for about two years (College was the best thing ever) because of debt. This July, I'm like "This sucks, I need to get back in", so I got a job and planned on getting back into school. As of right now, all I have to save each week is around $220! I make way more than that each week, I can do this!
But... each paycheck, my mom says "You're gonna have to help on the bills". I understand I live there, but every week? And when they're isn't a bill, they say they need help on groceries or gas. It confused me because when I left my last job in Janurary... they were doing fine up until I got this job magically. (Did the same thing when I had my fast food job, which was min. wage)
I want to help pay bills, trust me, but I have my own bill to pay. How can I politely tell them I can't pay every week, but bi-weekly maybe. They won't accept that response, I know, I've lived with my mom all my 20 years, I know her enough. I've always loved my mom, I'm not like the new generation child.. though I have planned at looking at apartment complexes if this mission of getting back in school doesn't work out.
Saying 'no' straight up isn't as easy as it sounds. Most people that say that probably never have until their like 45 years old
I've always wanted to join the army if I can't make it back in school by Spring Semester 2014 (Really, no lie), and they're iffy about that, that's one option
@Barry Yes, I have my own budget and plan. $220 a week in the savings account for college, rest in checkings' and other expenses. My mom has thought about the budget multiple times, but my step-father usually gets lazy about it, therefore not liking the idea. While working at fast food, they've been knowing, but still $1,000 plus down the drain. I don't smoke or drink, figuratively or literally. And with the 'need' part, I already do contribute. I pay a couple of the bills that are needed to be paid monthly. I have talked to recruits about 3 years ago, so they kinda know about it.
And ohhhh holy **** son, I wish you knew me personally. Never in my LIFE will I go to college solely for FUN. I will go FOR education and ONLY for education. Only if you knew me on that one. Just with an honest question, why would I even be trying to get back in by paying out-of-pocket in the first place if I'm just gonna waste it yet again?
@Kyle H. I've tried that, we planned f
2 Answers
- ?Lv 68 years agoFavorite Answer
You need a plan and a budget. Figure out how much you need to save each week to get back into school. Talk with your parents about that goal. See if they can help you figure out how to meet it. The money will either come out of the money you are giving them or out of the money you are spending your self or some combination of both. Your parents might be willing to ask for less money if they see you are giving something from your pocket money and they can be assured that it is going toward something valuable like your education.
If they see you smoking and drinking up your money, then sure, they want you to carry your own weight and contribute to the household. It may have nothing to do with whether they "need" the money, but that it is only fair for you to contribute. Talk with them and see if there is a way to make it work. Also tell them that your backup plan is the military. If they don't want you to join the military, they may work harder to come up with a solution.
However, if your motivation to go to college is just to have fun, then it will be a waste of money for everyone and don't expect your parents to be too eager to help finance it.
- 8 years ago
Realistically, you are in their house so you are stuck between a rock and a hard place. However, I'd recommend coming up with a single monthly amount that you are required to pay them. This way you are able to save and get back to education. Otherwise, you will continue paying them most of your check on a weekly basis to the point where it strains your relationship and you have a falling out.
Save up for a condo or something and get out of there. If you can get out of there and have a set bill plan for each month, you will be able to save more and make school a real possibility. Just be aware of the fact that, if you don't have transportation, you will need to factor how you will get to and fro work (and elsewhere). Additionally, factor in electricity, water (and potentially gas), as well as food costs when deciding to move. It may be more of a headache than a bargain.
