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Hi
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Can the entire price be deducted or only ... |
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mama_mel | Scared about moving out on our own.... Does my husband make enough for us to get our own place soon? |
My husband and I have been living with his family for about 1 year now and we have a 6 month old son. He works and I stay home with our son. We've been having alot of problems living there and I am now living back with my parents. We both have things we need to work on in our marriage but we are considered together still even though I'm at my parents. Us living at his parents house really messed up things between us and now we need to get our own place but I'm unsure if we'll be able to make it with his income. He brings home a total of about $2,300 AFTER taxes. Sometimes he'll bring home a lil more, depending on how well he did on commission. Do you think we'll make it if we have a $995 for rent, $429 car payment, water & trash, groceries for us 3, gas and that's it? We don't have any credit card bills, cell phone bills, or anything else. I'm just kinda scared of us not being able to make it out on our own since we only have one income. I need some peace of mind! thanks! |
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quest7706
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You could. Did you save any while at his parents? Try to get an apt. with the utilities included. You just have to watch what you spend, have a budget. And yes, living with parents when married is not the best thing.
And it is great that you do not have any credit card bills. Give yourself a pat on the back. Take care and best wishes.
PS- It is awesome that you are staying home with your son. |
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T Leeves
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Living is scary. But if your old enough to have a child and be married, you have to at least try. Grow up for the sake of your son, already. |
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Worldly25
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You both are old enough to get married, have a child but cannot figure out how to live as a family. You will never get your marriage to work, if both of you can't figure out how to live under the same roof. |
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chatsplas
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It would relieve a lot of the pressure if you would get a part-time job. That would help a lot and not keep you away from the kid too much. With family around, maybe you can get them to watch baby while you work.
It's good you don't have any bills. That's a good start. Keep it that way. Agree you need your own place to be able to work things out in your marriage. Recommend counseling, too. Having an objective 3rd party--not your parents or hiso--can really help you guys. |
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godged
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I have to point out the obvious and say you have alot of bills without alot coming in. I'd get rid of the car and get into something cheaper. Can you find a cheaper place to rent? Infants and toddlers don't care, they don't need much besides food and love. Also, you should at least get a part time job and bring some money in.
Most marriages have problems over money and if you are working on your relationship with not enough money to live on, you are going to have bigger problems. With just the car and your proposed rent that only leaves you $876 a month. You need money for utilities, groceries, gas, incidentals, last time I checked, diapers weren't cheap.
If you need peace of mind, you are going to need to rework this. You aren't going to get peace of mind wondering how you are going to buy food. |
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friendlystranger65
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It's a bind, all right. There isn't any place to live that doesn't cost a grand a month?
You can't do a part-time job? |
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bistnder1
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You can probably do it, but it would tight, and if his commission dropped some months, you'd be in trouble. Doubt you'd be able to tuck much away for savings either in case of a rainy day. Suggestion: Sell the car and get something cheaper. $429 is a lot of $$ for a car payment, and if all you really need is something functional, get something cheaper. Depending on your credit, you might even be able to lease a car for $199 and that would free up over $200 per month. Maybe you could get a part time job for just a few hours at a time several times a week, while he's home with the baby. It's struggle, but it will get you out of the parents' homes. |
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Betta
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Take the step. It'll be very hard, but nothing is tougher that living with the in-laws.
I myself live with my in-laws. Its hell. I hate it. My husband is very accomodating. The only reason I'm surviving at my in-laws is because my husband tries to make up for everything my bitchy mother in law does. They were away for the weekend and life was so beautiful. They came back last night, I'm so depressed.
Me ans my husband are making enough money to live on our own atleast, but there is no way I can move out of the house for the next 3, 4 years atleast. No one has everything. I have the money, I cant move out. You are tight on money but atleast your husband is ready to move out. See how it goes. If you cant survive on your own, go back to your or his parent. Parents always take their sons back. As for the daughter in law, i.e., you, they hate you now, they'll hate you then. So whats the big deal. Atleast give it a try. |
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gggsbaby
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If you want it bad enough you can make it. It won't be easy and you will probably have to make sacrifices. Cut your expenses wherever you can. Since you are a stay at home mom, cook at home instead of going out. Be really conscious of your electricity use. Shop for cheap insurance. There's lots you can do. Google "ways to save money". You'll get lots of ideas. |
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Debbie L
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I don't think you should move to far away from either parent they seem very helpful. I truly think you can make it on your own you will have to do without alot of things. Do you really need to pay 995.00 a month rent. Where do you live.you could get away with a1 bedroom apt. for now.As your son gets older you can always give him the bedroom and you can find a futon for your livingroom you know couch by day bed at night and put the difference in money away to help save for your own home. I think you should try lowering your car payments for now it might take a little longer to pay it off but I think it will be worth it in a long run. let us know how it all works out for you.debbie L. |
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Desiree
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Were you thinking of renting or owning your own home? The reason I ask is because it may actually be cheaper for you to make mortgage payments than to pay a ridiculous amount of money to a landlord for rent and utilities.
My fiance makes about the same amount as your husband, and I am working a part-time job that pays just above minimum wage. Most of our income depends on his paycheck, as mine is only ever enough to pay for groceries and gas for our vehicles. We applied for a mortgage loan recently and were approved for $30,000. If it weren't for our vehicle loans and insurance totalling roughly $600/mo, plus my student loan, we probably would've been approved for more. With all of the foreclosures popping up across the US, it's a good time to find a nice home for an affordable price. $995 seems like a bit much for rent, and $429 for your car payment is steep, as well. Is it possible for you to find a cheaper vehicle, and perhaps a part-time job? You never know what kind of unexpected things will crop up financially, and you have to think about the child you are providing for.
I would recommend jotting down a list of your expenses and subtracting them from your total income. Make sure everything works out on paper before you make a big commitment, whether it be a lease or a mortgage. I know how frustrating it is to live with parents or in-laws (right now we live with my parents) but don't let it force you into something you may not be financially ready for. Good luck. |
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Rabeka82
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It will be really tough but you can make it if you are both responsible and don;t waste your money and really plan a budget and save a littel money for emergencys.
1 question though, why in the world is your car payment so high? Hopefully you are almost done with the payments if not you should try to refinance or sell it for a cheaper car. |
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redgator40
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no. if you get married and live at a parent's house, you obviously aren't mature enough to be married much less have a child. i'm glad you think those are the only possible bills you will have. |
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