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Ahhhh why is life so expensive - Page 2

post #31 of 44
Quote:
Originally Posted by algebrapro18 View Post
Yes I have considered tutoring and every semester I apply for a tutuoring job on campus and every semester I get told no. The funny part is the guy that hires is one of my favorate Proff's on campus so you would think he would say yes one of these times.

I have also looked into other businesses that hire tutors but most of them want you to have a teaching degree which I don't have and won't have.
altho they're not teachers, we have at least 2 college students working at sylvan... they do all kinds of stuff. worth checking on - i don't know what they pay, tho.
post #32 of 44
I have the same story of many others here; struggled through school working 30 hours a week. Mind you, I had a 0$ per month contribution from my parents. I live with my bf, but in a SMALL one bedroom apartment. Our basic bills run us $1350 a month, allowing for $50 to go out for dinner once. This does not include any entertainment, medical, or incidental expenses either. Yea, it seems a lot more expensive to live than I imagined it as a teenager at home.
For your situation...well, the 2 recommendations I would make are 1) consider roommates. When I was in undergrad I paid $300-$400 to share a house with 2 or 3 others, and when I moved out on my own, it was $650+...so theres a good amount of money to save. 2) As much as you think you need to, stop driving. Gas, insurance, car repairs etc etc add up so fast...its easy to think you *need* to drive to get to work/school, but Ive yet to see any significant school that is actually unaccessable by public transit. Make one of your other friends the "driver". Maybe with changes like these, you wont need a part time job as $1200 a month from mom and dad would be enough. In my shared housing days, $1200 a month would have given me close to $600 buffer a month....certainly better than $11
(on that note, i know having roommates can be crappy and Im thankful to not have one now. Still, at 1 bedrooms renting at over $1000 here in downtown Edmonton, its not out of the consideration for the future....splitting expenses is a fool-proof way to save)
post #33 of 44
Quote:
Originally Posted by Februa View Post
2) As much as you think you need to, stop driving. Gas, insurance, car repairs etc etc add up so fast...its easy to think you *need* to drive to get to work/school, but Ive yet to see any significant school that is actually unaccessable by public transit.
or ride a bike!
post #34 of 44
Thread Starter 
There are no buses that run with in 20 miles of here so public transit is out. And I don't don't have to cover car costs at all my parents eat those with out even thinking about it. the 1000 I mentioned before was for Rent, Food(cat and mine), Cable, Internet, Phone, and Electric.

Cable/internet/phone is $200 a month and I am about to strangle the people at my phone provider because they are charging me almost 70 a month for services I don't want. They don't seem to understand I don't want them, I have called 10 times at least trying to get them to wipe off all extra costs. I don't even want the phone line, I have a prepaid cell phone, but they won't give me internet with out the phone so I have to get it. But just because I have to have the line I don't see why I need: Call waiting, 3 way calling, caller ID, voice mail service, or Conference calling. I maybe get 3 calls a week maybe on my land line and 99% of those are selisiters I wish would leave me alone. But the phone company insists on giving me a package with those things included. And their are no other providers servicing the area so I am stuck with them.

This is a TINY 1 bedroom apartment just big enough for me and Tom so their isn't any room for a roommate unless they want to live in the living room and have absolutely no privacy what so ever. And the bathroom is barely functional for 1 person. This place really belongs in the gang ridden neighborhoods of south Chicago not in Platteville.

Their is much cheaper and better up kept housing about 15 miles away but my dad refuses to let me live their. He wants me with in walking distance to the school. He doesn't seem to realize me living somewhere else would save him about 250 in rent per month.
post #35 of 44
my brother has cable internet [so does my sister]. the cable company will try to tell you that you HAVE to also get cable TV - but you don't [neither of them have to, anyway]. that said - if they do the cable modem... you get the TV part anyway [but it doesn't cost anything!].
post #36 of 44
I would suggest you call the phone company and have all those extra services terminated, and request (after all, you can REQUEST anything!) that they be reimbursed to you back to the last time you used any of them.
post #37 of 44
Quote:
Originally Posted by mrblanche View Post
I would suggest you call the phone company and have all those extra services terminated, and request (after all, you can REQUEST anything!) that they be reimbursed to you back to the last time you used any of them.
that won't work... it's like cable tv - if you want one thing you HAVE to take a bunch of other stuff.
example: i recently got DSL internet service... alone, it was $50, my regular phone bill is around $20. the 'package deal', which included call waiting, caller id, etc. was $69.90... so it was basically the same price.
post #38 of 44
Have you shopped around for other cable/internet services or is it pretty much limited in your area? You may be able to get a better deal w/out a phone with another provider.

Also, until this other job comes through, have you thought about offering your services as a helper? If you live in the country, I'm guessing there are a lot of lawns to be mowed or handyman tasks that can be done. Belive me, DH and I are so busy we've paid people to mow our lawn, and even let them use our mower. It's worth a shot if your willing to do outdoor work. There's always something that needs done.

And, for the tutoring thing, maybe you should just put an add in the paper. This is summer and the kids are out of school. Parents might be interested in having a college math major helping their kids with a hard subject and they probably won't care if you have a teaching degree or not. It's an idea.
post #39 of 44
I'm lucky! Here in South America TRAVELLING my boyfriend and I usually spend about 6-800 dollars for the both of us per month.

Food, accomodation, gas, etc.

In Canada I spent over 1000$ for just myself. My studio apartment's rent was 675$ a month and it was TINY. The price of living in Canadian cities is skyrocketing, becoming almost ridiculous.

Come down here to live! A luxury apartment in the nicest neighborhood of Lima is about 500 dollars a month! On the ocean!
post #40 of 44
Right now DH and I are lucky - we barely have any bills. Each month we pay ~$85 for cell phones, $87 for car insurance, $74 for the storage unit we'll have until the house is built, and $32 for the cat wellness plan we have (which will go back to $16 since there is only one on it now ) We also spend about $150/mo in gas to get to/from work and other travels.

We are about to feel the real strain of bills though, when our house is finished. Our estimated max mortgage payment was guesstimated at $1406/month. We are unsure of the exact payment as of right now, since the house isnt built and the interest rate hasn't been locked in yet. That payment was based on a rate of 6.5%. We do not plan on having landline phones, one less expense. We probably will have a cable tv/internet package, but it is not a necessity. We aren't sure if we will have a water bill yet or not, and we plan to try and minimize our electric bill.

Of course, our situation differs, as we both have well-paying jobs at the moment. But I believe we'll be entering a new world when that mortgage payment lands in our laps every month, and will be feeling the "strain" of not being able to just go out and buy whatever we want all the time (cars, boats, parts, unnecessary stuff, etc).
post #41 of 44
Quote:
Originally Posted by Tara & Rob View Post
Right now DH and I are lucky - we barely have any bills. Each month we pay ~$85 for cell phones, $87 for car insurance, $74 for the storage unit we'll have until the house is built, and $32 for the cat wellness plan we have (which will go back to $16 since there is only one on it now ) We also spend about $150/mo in gas to get to/from work and other travels.

We are about to feel the real strain of bills though, when our house is finished. Our estimated max mortgage payment was guesstimated at $1406/month. We are unsure of the exact payment as of right now, since the house isnt built and the interest rate hasn't been locked in yet. That payment was based on a rate of 6.5%. We do not plan on having landline phones, one less expense. We probably will have a cable tv/internet package, but it is not a necessity. We aren't sure if we will have a water bill yet or not, and we plan to try and minimize our electric bill.

Of course, our situation differs, as we both have well-paying jobs at the moment. But I believe we'll be entering a new world when that mortgage payment lands in our laps every month, and will be feeling the "strain" of not being able to just go out and buy whatever we want all the time (cars, boats, parts, unnecessary stuff, etc).
Just warning you now...it's going to hit you hard! Our budget got REALLY screwed up after we had that first mortage payment.
post #42 of 44
Quote:
Originally Posted by calico2222 View Post
Just warning you now...it's going to hit you hard! Our budget got REALLY screwed up after we had that first mortage payment.
that is going to hit you hard, i dont have a mortgage payment, frankly, FH doesnt see me ever having one unless i earned 100,000 + a year!
post #43 of 44
Quote:
Originally Posted by calico2222 View Post
Just warning you now...it's going to hit you hard! Our budget got REALLY screwed up after we had that first mortage payment.
We are hoping our mortgage payment is down in the $1250 range (the low estimate). We have over $15,000 in a money market account, so we have back-up money in case of unexpected expenses or an unexpected impact on our budget. There is also $1,000 in savings and currently $1,800 cash in a box in our room (for when Rob gets extra money from side jobs). I really wish we had a better idea of what the real mortgage payment will be, instead of this $150+ range between high & low possibilities! I guess we wont find out until we close on the deal. Having a big bill like that monthly sure is gonna be like a smack upside the head at first though, I'm sure!

It would be SO much easier to prepare a budget if we knew what the actual payment would be!!!!
post #44 of 44
my mortgage payment is under $600 a month... but i have a little house - plus i live in Texas.
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