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Finding Living Space in a bigass Hurry
KiTA
Registered User regular
Registered User regular
So. My roommate sent me an email while I was at work on Tuesday, telling me him and his wife had a great big fight and weren't able to come get me from work. I work with him most of the time, but he took the day off of work because he was sick. I got a ride home by bribing a friend with Gas money, but had to leave work early.
So, long story short, my roommate's wife cheated on him, and in a brilliant move that will go down in the ages as one of the most well thought out plans ever, he's decided to walk away from his mortgage, lose his house, ruin his credit, quit his 3 year old job at <MyJob> computers (highest paying entry-level job in the area) and move back to his mother's house. With the wife and the 2 kids.
He plans on working at a Mill ($7 an hour) and starting over with her. With no home waiting him, no job, no savings. Every single mature person in their lives have told them this is a stupid, stupid idea, including both their parents.
Best plan ever!
Anyway. That leaves me in a huge bind. Due to a few reasons, I never learned to drive, so assuming I stay in the house, that leaves me with 3 miles to walk every day for work. I could do it, but that would suck.
What I couldn't do is apparently keep up the house. The Mortgage payment is $600 a month, with utilities, the 2 new cars, the credit cards, etc etc, my Roommate's monthly expenses are $1750 a month -- and that does not include gas money and odds and ends.
We both make about $1500-1700 a month, depending on how much overtime we get. I take on about $850 in bills around the house (half the mortgage, all the Winco and Costco bills, which includes food, diapers, pet food, etc).
So, I find myself looking for an apartment for the first time in my life. And I honestly donno how.
Do I just Google for Apartments in my city (Twin Falls, ID)? Is there a Yellow Pages listing for them? Should I get a newspaper or two?
How much money am I typically going to need for the first month, deposit et all? First Month, Last Month, and a Deposit? What about including first month groceries and any other kitchen supplies? I can live on TV Dinners the first few weeks, that's fine.
I presume I'll have to give up my DirecTV and look at different arrangements? I hate the cable in the area but that would at least give me one bill for TV and Internet.
This comes pretty much at the worst possible time. I got paid today, $820 or so, which after my Playstation 3 fiasco and my PSU/GPU failing in my PC, puts me at the wonderful savings total of... $850. I have $630 coming from a loan repayment but is stuck in Paypal for another week.
Assuming I pay for the entire food/diaper/animals bill ($200-300) and pay my half of the mortgage ($300), and assuming I do not move into any apartment until the last possible day, I might have $1700 ($300 left over from this check + 630 from paypal + $800 or so from the next paycheck) left to my name.
Assuming a more realistic approach -- that I find an apartment over the next week or so, I'll have $930ish.
So, how screwed am I?
tl;dr: My roommates are probably about to screw me, I have no savings and have to find an apartment, fast, for the first time evar.
So, long story short, my roommate's wife cheated on him, and in a brilliant move that will go down in the ages as one of the most well thought out plans ever, he's decided to walk away from his mortgage, lose his house, ruin his credit, quit his 3 year old job at <MyJob> computers (highest paying entry-level job in the area) and move back to his mother's house. With the wife and the 2 kids.
He plans on working at a Mill ($7 an hour) and starting over with her. With no home waiting him, no job, no savings. Every single mature person in their lives have told them this is a stupid, stupid idea, including both their parents.
Best plan ever!
Anyway. That leaves me in a huge bind. Due to a few reasons, I never learned to drive, so assuming I stay in the house, that leaves me with 3 miles to walk every day for work. I could do it, but that would suck.
What I couldn't do is apparently keep up the house. The Mortgage payment is $600 a month, with utilities, the 2 new cars, the credit cards, etc etc, my Roommate's monthly expenses are $1750 a month -- and that does not include gas money and odds and ends.
We both make about $1500-1700 a month, depending on how much overtime we get. I take on about $850 in bills around the house (half the mortgage, all the Winco and Costco bills, which includes food, diapers, pet food, etc).
So, I find myself looking for an apartment for the first time in my life. And I honestly donno how.
Do I just Google for Apartments in my city (Twin Falls, ID)? Is there a Yellow Pages listing for them? Should I get a newspaper or two?
How much money am I typically going to need for the first month, deposit et all? First Month, Last Month, and a Deposit? What about including first month groceries and any other kitchen supplies? I can live on TV Dinners the first few weeks, that's fine.
I presume I'll have to give up my DirecTV and look at different arrangements? I hate the cable in the area but that would at least give me one bill for TV and Internet.
This comes pretty much at the worst possible time. I got paid today, $820 or so, which after my Playstation 3 fiasco and my PSU/GPU failing in my PC, puts me at the wonderful savings total of... $850. I have $630 coming from a loan repayment but is stuck in Paypal for another week.
Assuming I pay for the entire food/diaper/animals bill ($200-300) and pay my half of the mortgage ($300), and assuming I do not move into any apartment until the last possible day, I might have $1700 ($300 left over from this check + 630 from paypal + $800 or so from the next paycheck) left to my name.
Assuming a more realistic approach -- that I find an apartment over the next week or so, I'll have $930ish.
So, how screwed am I?
tl;dr: My roommates are probably about to screw me, I have no savings and have to find an apartment, fast, for the first time evar.
KiTA on
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Posts
Second: Find your local newspaper, it's the best place to start, and look in the rental ads... There will usually be someone renting an apartment. (Sadly not in my little town, but probably Twin Falls is better).. It would probably run $500-$600 a month for a decent 1bd.. We are lucky to have a 2bd for $545. Usually you'll only have to pay rent and electricity bills for apartments.
About the telle,
I dunno who you're signed up with for it, but when we get telle we get it with Verizon, along with our home phone line and our internet, so they wrap it up in a 'bundle' and give us some cash off of the bill. You can always make an arrangement (which is what we did) to pay half the security deposit now and half later if you don't have it all (of course always including first months rent.).. People around here are generally very nice, and you will definitely be able to find one easily.
Umm, I think he means he's paying basically half of all the expenses.. Diapers come along with the groceries, he's paying some of the groceries. It's his roommates kids, I think.
You'd be better off if you just actually paid your share of the grocery bill and put the rest towards finding your new place.
you, guy, wife, their two kids == people who live in this house
Whose name is the mortgage in? EDIT: you did say "his mortgage" -- maybe you could work out a situation where you rent the house from him and he continues to own it. You'd need to work up a lease, but they've got pre-made forms that make that pretty easy.
Plus, if guy, wife, and two kids move out, aren't you going to be not paying the cars or gas, paying for less food, etc. Seems like all that'd be left is the mortgage, which sweet jeesus $600 is nothing.
Basically, it sounds like all these bills you are talking about are his/hers, not yours. Why would you keep paying them after they move out.
also:
I see a bicycle in your future. 3 miles is easy in good weather and manageable in bad weather.
Seriously from your other posts it sounds like you had a lot of problems living with them, so maybe this is a good thing.
And the guys solution to his wife cheating on him is to abandon all reponsibility and put pressure on his parents by moving his wife and kids into their house while ignoring issues such as mortgage and debt... Sheesh, this guy's in for a rough time if he thinks thats going to work.
This all varies from state to state and your mileage may vary, but I think that a conversation with a lawyer may also be in your future.
And so much more!
I pay the Winco and Costco bills. Originally I paid the Costco bills because it was my half, and Costco was bigger, and I had more spare money. But over time they stopped taking their debit card out at Winco, so I paid for it. And over time, the Diapers, Wipes, Dog food, etc all got put in the cart at Costco when we started going there.
Mortgage is in his name. 30 year plan, $600 a month. But an apartment does not have utilities, whereas this house does. The house is technically a 1 bedroom with a lot and a half (rather big back yard with 4 sheds), but the basement renovation is not complete and is technically not habitable -- the basement windows are not "evacuable" -- i.e., in a fire, you couldn't break them out and jump through.
But that's basically one of the big wtfs I am having to decide about. There's a decent apartment complex within 5-15 minute walk to MyJob, $503 a month rent, all utilities paid. I donno much about it other than that, but apparently my Roommates tried to get an apartment there but couldn't.
Here I would have, presumably a lot more room, no psychotic dogs and roommate wife to harrass me, but a longer commute, and would have to pay utilities. I could probably swing it, since $750 of Darren's $1750 bill a month is CAR PAYMENTS.
But if I keep his house, I could save his credit rating, and maybe sometime in the future he could buy another house.
Or if I get this house in my name, in a few years, I'd have a home of my own. BUT here's the big big screwover. If I got a loan to pay off his loan (which, more or less, I'd have to do to get it in my name), I would have to get the house inspected.
Roommate's Wife defrauded the bank when they got their loan. The house was inspected by her father (different last name) who said it was great, when, well...
And that's not counting the damage that's been done to the house since then. Carpet is ruined because of the 3 huge dogs, back yard was tilled up but no grass was ever sown -- so now it's a weed farm, the latticework is falling apart, etc etc.
A little voice in my head says to just wait until the bank repos the house, does an inspection, realizes a 1 bedroom house isn't worth $100,000 even in this economy, and puts it on auction.
Don't get caught up in that mess. Seriously you've done way more than enough buying their food and diapers and pet food. Just dump this and move on.
It's less "You got to leave, KiTA" and more "We're leaving, good fucking luck and thanks for all that money, Asshole".
The thing is, it's not a bad house. It just needs some work.
Oh man, after reading your post, my advice is "get the hell out of dodge." Go check out this apartment complex. If it's not a shithole then move the fuck in. You are going to need a security deposit, which is usually about equal to a month's rent. Moving your shit over there will be a little complicated since you don't drive, but if you can get a friend to rent a van from U Haul or something then you are golden.
Oh, and if I were you I'd stop paying this guy's bills like yesterday. I think you are going to be better off taking the $200+ a month you'd save at the apt. complex and saving up for a house of your own. Or a big pile of hookers and blow, I mean whichever.
Go to the decent apartment complex 5-15 minutes from your job, and see what's up there for yourself. Don't listen to your roommate on this, because it's in his best interests for you to stay so he can keep soaking you for expenses that are rightly squarely his. Now, this place might not have immediate vacancies, but talk to someone in the leasing office. They might have someone who is getting ready to vacate in the next month or two. The place sounds perfect for you. If 1-2 months is the case, try to find someone else you can stay with in the mean time.
Do not try to take the mortgage from this guy.. it does not sound like it's worth it, and he may expect to keep living there while you help support his kids.
Probably because they have psychotic dogs who shit everywhere, and they themselves are lazy fucks.
You have no obligation to help such a fanny-pack of a roomie. Dump him and his crazy wife, and let him fuck himself over, like he's attempting to do to you.
And don't buy their damned wipies.
If you're not on the mortgage, it's his fucking problem, and let him dig himself into a pit.
Stop paying their expenses, move into the new apartment, buy a bike, and don't forget to smile.
If everything is going down as you say, and you're not on any of the credit debt, walk away. If your friend wants to screw everything up, give him the space to do so. You need to distance yourself from his pending disaster. Make it known that you are unable to help, both due to your financial situation and because you cannot and do not agree with his decision.
Priority number one is ensuring you don't get screwed by someone else and their horrid choices.
Look for an apartment, and if you have family, ask for help in just getting assistance for covering the security deposit and first months rent. Explain that it really is temporary and you will pay them back in 4 or so months, and just get the hell away from this family.
You may have to ride on some credit card debt for a few months too, but all of these things are in your control and can help get you away from some idiot just deciding to quit on himself.
Living on $1500 a month is completely doable for one person. Even with 600 a month rent and (I'm overshooting it on purpose) 250 in utilities, you have a good amount to feed yourself and put money away in savings. You could even throw in a car payment of 200 and be fine.
Just realize and explain to your family that it's only a month of being rear-ended like this with needing a loan. After a month, everything will go back to normal (hopefully).
And as other wrote, quit paying his stuff.
Whatever these reasons are, are they still stopping you from learning? If not, I think you should seriously consider this (after you find an apartment), if only so you can rent a car if needed at some point.
Newpaper, Craigslist, Apartmentratings.com, etc. etc. You might also want to look around and see if any local realtors can give you leads on rentals, that's how my wife and I found our current condo.
No. You need to get your stuff out of this house and start forgetting it ever existed ASAP.
In no circumstances should you be taking over this deadbeat's mortgage - there are plenty other houses out there. Cut yourself loose and get on with your life.
Send me that info anyway, please, so I can send it to them. I am moving out either way, but he's my best friend, if I can find a way to help him save his house, I will.
Apartment hunting isn’t hard, in fact here’s a list of them in the Twin Fall area. Pick which ones are closest to your work and start calling them up to schedule appointments. Most apartments now require a security deposit and the first months rent. Which looking at the average rent of the apartments in the area could be between 1200 and 1500.
Just because you're friends doesn't mean he gets to walk all over you. You need to grow a pair, move the fuck out, and stop subsidizing this lazy asshole. I'm not saying you can't be friends with a lazy asshole, but you need to quit enabling him.
Those Glen Eagle and Fawnbrook apartments are right next to my Job, within walking distance, it kinda spreads out from there. It's a college town so right now is like the ABSOLUTE WORST TIME EVER to be looking for an apartment.
Agreed. This guy isn't your friend. I mean, he might be nice and cool and all that, but you're subsidizing his life as it is. Why are you paying the costco bill and the other one. Why are you talking about things in halfs anyway? He has a wife and 2 kids and you split things? Seems to me you should be paying 20-25% tops. You should never have to pay for diapers, and half the food bill is outrageous unless you eat as much as your 'friend', his wife, and their two kids combined. You get no compensation for the dogs keeping you up, or having to smell their piss and shit? This wasn't a friendly arrangement and you should be glad its over.
What I would do is check out those apartments, call around to see what you need to move in, I didn't need last months rent when I got my apartment, only first months rent and a security deposit, equal to about 2/3 of the rent. Then make a budget, both for this month and the future. When I was making mine I kept it on a piece of paper in my wallet, so as I thought of new things to factor in they were easy to add. After a couple days you'll have a real good idea of how much you need per month to live off of, and you'll figure out pretty quick its way less than you've been paying.
Once you move into your new apartment I bet you'll start feeling way better about everything. No more worrying about dogs screwing things up, no more 'splitting' and getting screwed. You'll even be able to save up some cash if you want to buy your own house (sounds like houses are pretty cheap there). If you want to learn how to drive and get a car, I'm sure you could do it in a few months with only small payments... etc.
No, this is mormonville and they just made a highschool sized temple. Housing here isn't "cheap", it's bubble central here.
Anyway. Apartments. Roommate has said that he wants to leave "as soon as possible" but that "probably won't be 2 weeks like we wanted". So I might have some breathing room to save up enough for anything Apartment related.
I am clueless about this. The apartment is presumably going to be unfurnished. Does that mean no Kitchen supplies either? How much does a stove and fridge cost? I could live with only a microwave for the time being.
I don't think it's a terrible idea. I read it as that he wants to send his friend the company's info so his friend can fix his own mortgage. I don't see any harm in that.
But I still don't get why you're paying for their kids stuff and their dogs stuff and their cars. What the fuck? That's their own fucking problem. I mean maybe part of his car payment and insurance, since he does drive you to work every day, but that's still kinda stupid. ay his gas.
Also, for the dogs. Send them to Cesar Millan, The Dog Whisperer!
Info sent. I forgot to mention that as a government funded non-profit our services are free of charge.
I wouldn't count on the dishwasher, especially at the reasonable mid-range of affordability. Most landlords I've dealt with don't supply one based on their failure rate.
I suppose you can count on having a dishwasher. I mean, you have hands, right?
Your 'friend' has been cheated on by his wife. So he is going to walk away from his mortgage and financially ruin himself to go back to his mother's home with the kids and the wife? Like the wife that cheated on him?
So what exactly is he accomplishing here? I know this thread is about you and not him, but I am very confused right now.
Shogun Streams Vidya
Oh and gtfo already - if his marriage is having troubles, a roomy isn't helping, as much as they might need you to pay the bills.
"We want a clean start"
"There are too many memories here"
"I can't keep working at that job" (Premium Tech Support for one of the top 3 computer makers in the world, same thing I do.)
Current plan is to get on disability due to stress. Yes, STRESS. As in, he thinks he's going to go down today, get a doctor's note and come in to work Monday and go "Whelp, doctor says this job sucks too much for my fragile mind, can I haz unemployment plz?"
My brother has actual physical disabilities (his wrist was broken and fused into one piece, so he can't turn/bend it, he has some pretty bad mental problems and FINALLY got off the meth for good recently) and has been trying to get on disability for 5 years.
No way he's going to get on it for "stress". Goddamned asshole needs to grow some balls, he has 2 (maybe 3, since she's a fundy and doesn't believe in abortion) kids to take care of.
In reality I think he wants to get her away from all the, well, booty calls she has available to her here. In the one long argument with them I had (a 3 hour long screaming fit, during which she slapped me as hard as she could after storming outside in an angry fit because, well, I was upset that they were pulling this on me out of the blue. Yeah, SHE got upset that I got upset and tried to deck me for it) she mentioned THREE of her "best friends" -- mostly other couples -- the male halves of those couples have all made a play for her pants.
The first time I ever really interacted with her, the first weekend I was down, I was doing laundry with Darren, when she came in and started telling us both about a weird dream she had about my penis. I told her to shut the hell up after Darren tried more subtlety, and she's hated me ever since.
Anyway. I think he's deluding himself. She's going to keep this up. Moving to a different town won't change anything. You know Monday when I was home she was actively talking with another couple joking about swinging / voyeurism? As in, the guy on the other line was asking if him and his wife could come watch her and Darren. She said they wanted to buy a big mirror for their ceiling. This is a converstaion she was having in front of him and their kids.
Yeah. She's fucked in the head. And him moving and ruining his future just for the CHANCE that she might actually get through this... it's stupid shit. I just wish I had moved out a year ago or more, just too apathetic, need to get out and start my own life.
Just wow.
Get out, and don't ever look back. If she ever touches you again call the cops.
Shogun Streams Vidya
since you're on a budget, you might want to start with the "rooms & shares" section, since that will be much cheaper and will likely already be at least partly furnished
http://twinfalls.craigslist.org/roo/
looks like you can get a room with your own bathroom for $200 there (and BTW: Jeebus! I can't get a parking space for that much a month! )
then, you need to learn to drive, and buy yourself a cheap econobox... that will allow you to search for a proper apartment or a house