Time to get out but can't financially

addictivepersona

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This will be long and full of pointless details and is probably better suited for a blog...

I'm not sure exactly what I'm asking. Perhaps a generalized second opinion on my situation and what to do or why it's not so bad many people have it worse and I should shut up and suck it up. Either way, I'm long winded and will try not to be...

Living with the family I do is unbearable in my opinion. It was fine up until a few months ago when we consolidated households. Previously, it was my mother and I: She worked nights, I worked days. We'd only see each other on the weekends and even then it was sparingly if I kept to my room it was as though she was not there.

Now, it is my mother, her mother, and I. My mother still works nights, but to care for my grandma* is up early, around 7a instead of 10a after I've left for work. I used to leave for work between 7 and 8 but now leave before 6:30 since at the earliest this is when they start waking and I need "me time"/"quiet time"/"time before the television and loud talking" in the morning.

(*Grandma is not "constant care" by any means and has become rather independent again, but still needs us to do certain things like put on and take off these medical socks she has, prepare her food, etc.)

I try and not be "too loud" in the mornings by making simple breakfasts (egg with rice/toast, no vegetables that have to be cut up)... I still manage to wake them more than half the time and while they don't say so, I know I was the reason they woke up early. So anywho, when I'm super quiet, don't make breakfast, and leave the house by 6:30a I get to work and am there until 3/3:30p.

I return home and am basically grandma's unpaid aide. "[Addi], turn on the light." "[Addi], could you do x, y, and z?" I don't mind being asked. I mind the rush and I mind being talked to through walls and expected to shout back because that is what mother and grandmother do all day. Mom will be in the kitchen and Grandma in the living room. They'll have a conversation with Gma talking normally and Mom shouting. I cannot hear Gma when I'm even just in the kitchen (there's no wall between) and she's talking normally (I do have a bit of an undiagnosed hearing problem and they simply cannot understand how/why I cannot hear in the other room) and I really don't like talking in a raised voice... So this causes countless arguments. Going into the next room to hear what she's saying and reply gets old after the third time when I'm trying to do stuff. Saying "I'll be in the kitchen and cannot hear you" only works for a half hour or so before she'll start talking to me. Or, she'll talk to one of the dogs and I'll shout over "I can't hear you when I'm in the kitchen" and start walking over, and because she was talking with the dog she'll get pissy with me that she wasn't talking to me, blah blah blah. I've started limiting my time in the kitchen on the weeknights and taking refuge in my room where I still get spoken to through the wall and have to go see what she said fifty times a night... But it's causing me to not eat right since all I eat is whole foods and not much is prepackaged and "heat and eat"... I haven't eaten any real vegetables in weeks and have been getting the vegetables from the farm, having them sit in the fridge for a week or two and then tossing them out 'cause they're unfit for consumption...

On the weekends I have no "me time" unless I get up around 4 or 5. I'll have my bedroom door closed and because of their (mainly just Mom's) shouting and hollow doors I can still hear them perfectly. I've taken to sleeping with ear plugs most nights due to television and shouting volume, and wearing noise-canceling during the waking hours. Some weekends I even wear earplugs during the day so I can have some quiet.

I realize my home life is not bad but it is bad enough for me to want to move out. I simply cannot deal with it anymore. I feel it is time for me to move out. I need my own space to do with it what I want and not have to deal with their stupidity (which I haven't even touched upon here... I will say one thing: Mom/Gma are convinced that the reason the crows and squirrels do not come on the lawn at the same time because the squirrels eat the crows. I am not joking. That is their typical conversation. And they talk about the same five things over and over again.) Anyways.

However, financially, I don't know if I can move out. I've started looking at houses* and I've obtained "pre-approval" for a loan from the credit union, but I lack a co-signer and really only have "chump change" with which to buy a house. I've done the math and figured out that on some of the cheaper (but still decent) houses I've been looking at (online only, I still have yet to call the realtor), I could make the payment plus taxes and utilities and be left with a "livable" income... But it would leave me barely any "cushion" should something happen (car dies, dog gets sick/injured, I get injured, etc)..

*Renting is really not an option... Most rents here are more expensive than cheap mortgages... And with renting, I most likely wouldn't have any property which is important since I have a dog and 'cause I would like more than a postage stamp...

I work for a temp. agency at a pretty nice company, but I am still a temp.--Which means I do the same work as an employee and make half as much. Being a temp. probably means I won't be qualified for a mortgage, too. But, I am banking on being an employee within a year--I've heard some rumors and got some inside information... And I need to talk with my boss within a year anyways as I'll be turning 26 soon and losing my mom's health insurance...

I do have a degree (but am not "registered" yet) I could fall back on, but most of the hirings in that area in my area are part-time and not permanent either, so I'm pretty much better off staying where I am full-time and taking my chances as a temp. at an employer I've been with for over a year and a half...

This whole situation is really taking a toll on my health. I feel like shit lately and really don't want to do anything. I left work after only a few hours yesterday "sick"... Called in sick today...

I just don't know what I can do. I've tried for weeks now to just "suck it up and deal with it" since my home life is really not that bad when you look at it... But it's bad enough for me to want to leave and I feel completely stuck because I don't know what to do. I've tried seeking psychological help to talk to someone in real life about this stuff, but no one will take cash (and I can't go off of my mom's insurance for that because she will get the bill and inquire and 'cause a whole bunch of drama about me seeing a head doctor)... *Sigh*
 
Don't laugh.. ever think of buying a trailer or living in one? Rent is cheap and there are some nice ones... im not kidding either Ive seen lots that are very nice, and there cheap.. and I dunno think about it... also look for cottages or flats (1 room only)

I dunno sounds like you got a good job and how long you be a temp for? sooner or later they hire you on

Can you ask your family for money? IT is hard to move anywhere its so dam expensive after the first and last months rent, and the seucirty depoist and everything.

Just keep saving up money... you'll be ok... could be worse
 
have you considered renting and getting a roommate to help defray the cost? I know some roommate situations are not ideal, but I bet there would be less medical socks, shouting, and discussions about squirrels. You might even find someone who works nights or make a good friend.
 
Thank you guys for the replies, but renting really isn't an option. I have a dog and very few places will rent to someone with a dog, let alone a dog that weighs over a hundred pounds. Not to mention if I end up taking the other two dogs in this house... Dogs aside, I'd like to have a bit of property. Trailers around here don't have property--Except one that I have found. It is on a mortgage since it is not part of a park. However, I have not looked at it yet to make sure it is sound, since buying a trailer is like buying a car in that there is no "home inspection". Anywho, yes, I have considered trailers, but I'd like some land--At least 1/4 or 1/3 of an acre... Most trailers around here have around 400 sq ft of property. 400 sq ft of living space is fine for just me. 400 sq feet of property is on the small side.

(Also, side note: Before moving where we just did, we lived in trailers all my life, so I have absolutely nothing against them, minus the size of the lot.)
 
Thank you guys for the replies, but renting really isn't an option. I have a dog and very few places will rent to someone with a dog, let alone a dog that weighs over a hundred pounds. Not to mention if I end up taking the other two dogs in this house... Dogs aside, I'd like to have a bit of property. Trailers around here don't have property--Except one that I have found. It is on a mortgage since it is not part of a park. However, I have not looked at it yet to make sure it is sound, since buying a trailer is like buying a car in that there is no "home inspection". Anywho, yes, I have considered trailers, but I'd like some land--At least 1/4 or 1/3 of an acre... Most trailers around here have around 400 sq ft of property. 400 sq ft of living space is fine for just me. 400 sq feet of property is on the small side.

(Also, side note: Before moving where we just did, we lived in trailers all my life, so I have absolutely nothing against them, minus the size of the lot.)


I know your situation I have the same thing going on here but I dont have a grandmother she passed 10 years ago, When mom was not sick and she had her job, I mean it was at the mall but at least it got her out during the day , we have been living together for 5 years now and its driving me insane also, but I know now at her age 75 she cant do anything anymore without feeling tired, and she was diagnosed stage 3 kidney disease and it kill her in time, I know about the endless and countless of arguing both back at each other some days are worse then others, I get up at like 4am and I am not afraid to make noise I need my headphones in the morning, I need my music just not to hear the world in this house for a while, then we she gets up I need to get her breakfast to make sure she eats and takes her pills she forgets allot now, its weird like 10 years ago she was fine working, happy, and a totally different person and at the time we had a huge house to live in 3000sq feet up and down I loved it, that was my house untill the landlord didnt pay the rent on the house and it for closed and we couldnt afford to buy it, it was a 350 thousand dollar house so she like lived up stairs and I lived down and I really never saw her, when she was at work it was nice we she came home it was nice, no arguing no problems, then she had to quit her job and she got sick. So now as she is sick she is nasty, mean, at times and has this huge mood swings where if she is mad she will take it out on everyone in the house, my Bf works and dont understand how she is or how mean or hurtful she can be, he is not here ALL DAY, to deal with her, I have my grown son living with us so he takes most of the heat from her for me and helps me out with her, he is all mom why is she like that to you, I am all I dont know its just is son. So I have him hearing the arguments and the screaming and crying from her, like the other day she dropped a jar of applesauce and just LOST IT!. I heard her scream I thought she fell again first time she fell she broke her shoulder so I have to listen for her all the time, and she is on the floor covered in glass and just crying and weeping, I am that kind of person who wont show love Physical love I mean I went over to her and just hugged her and got her out of the mess and I cleaned it up, and I have the same kind of dog here she also is close to a hundred pounds so I know that rent thing, we had to move into this smaller house since we lost the other one, and now we are 2 inches away from each other upstairs instead of a split house hold it drives me insane, some days I also go and lock the door just to get some alone time and mind you I have 3 types of arthritis and have been sick since 1995 and now its getting worse as I get older, but I still have to take care of her and If i am sick or tired my son does it and helps me allot he cant find a job but he works here at home she is a 2 person Job some days. Do I thing of moving out Hell yes I miss just living alone with my son and my BF, I dont know what that is like anymore and we have no privacy with this house being so small, but I cannot leave her to her own devices she is too old now, she walks slower, she cooks and walks away from the stove, thank god my computer is here in the kitchen so I can hear her if she needs anything, or needs to get up and walk around and make sure she eats if not she goes into her depression and doesnt come out for days, I cant have that, do I hate it here yes, but I know she needs me and something in me cant leave that alone I have an older brother and we dont speak he wont even call her for months on end and doesnt have to deal with her or her problems or the bitching, so he is useless so its up to me. I look at it this way "she took care of me growing up so now I have to take care of her". Its the way I feel. Keep that in mind...I know your anger, pain, and wanting time to yourself believe me I do, some days you just need to be alone and away from the noise. But now that I am sick its going to get much harder for me I am in pain all day and it wont stop I take pain meds and without my Valium I would kill everyone in the house, and I smoke weed that helps me out with getting through the day been doing that since I was diagnosed with Fibro in 1995. So just look at it this way we take care of our family good or bad and we cant walk away with out us they could not exist on a daily basis. Hang in there I say stay with them untill they pass then its time for us. Peace and ~*Hugs*~
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^ Wow, thank you for sharing, Hazey. Your situation is very similar to mine, but it would be as though your son moved out, not you. <3 I think my mom and grandma would be able to manage in the house without me. Well, kind of. I am an unpaid aide and maid after all, and do all the cleaning (well, up until the past month... I haven't touched the vacuum in quite possibly a month and while I do feel bad since Gma can't do it, Mom sure as hell could) and yard work and "upkeep" stuff like that...
 
Thank you guys for the replies, but renting really isn't an option. I have a dog and very few places will rent to someone with a dog, let alone a dog that weighs over a hundred pounds. Not to mention if I end up taking the other two dogs in this house... Dogs aside, I'd like to have a bit of property. Trailers around here don't have property--Except one that I have found. It is on a mortgage since it is not part of a park. However, I have not looked at it yet to make sure it is sound, since buying a trailer is like buying a car in that there is no "home inspection". Anywho, yes, I have considered trailers, but I'd like some land--At least 1/4 or 1/3 of an acre... Most trailers around here have around 400 sq ft of property. 400 sq ft of living space is fine for just me. 400 sq feet of property is on the small side.

(Also, side note: Before moving where we just did, we lived in trailers all my life, so I have absolutely nothing against them, minus the size of the lot.)


Well trailer or renting is a means to a end a position to save some money get your shit together.. good luck im looking for a place my self and its hard here in CA so expensive its sick plus back round checks, credit checks, referencs.
 
I hope that you can figure something out as far as trying to buy a place but that sounds tough since your work is temporary. Most lenders won't even consider your income unless you have been working at your job for over a year (actually2:(). In the meantime though I wonder if there are some things you could do to improve your life while you are working towards that goal. One of the first things that comes to mind is a frank talk with your mom about some of the really bothersome things. Let her know that you are really feeling the need for some solitude and quiet---it is essential for you! Yelling from room to room is a habit that maybe she would be willing to change?

A few months ago I actually took a 2 week house-sitting job just so I could be alone LOL. I would come visit my family and pets but it was heaven to have all that quiet. It could be a strategy for making a little extra money towards your goal of buying and giving you a respite from time to time. The place I watched was only a block away from my own house.:)
 
Well trailer or renting is a means to a end a position to save some money get your shit together.. good luck im looking for a place my self and its hard here in CA so expensive its sick plus back round checks, credit checks, referencs.
Yeah... It's something I would do as a last resort as not being able to have a place for my dog to run would entail having to drive to a place where she could run at least once a week... And let's just say that when I tried doing that last time, it never happened... So, I'd rather not do that to my dog. :-/

I hope that you can figure something out as far as trying to buy a place but that sounds tough since your work is temporary. Most lenders won't even consider your income unless you have been working at your job for over a year (actually2:(). In the meantime though I wonder if there are some things you could do to improve your life while you are working towards that goal. One of the first things that comes to mind is a frank talk with your mom about some of the really bothersome things. Let her know that you are really feeling the need for some solitude and quiet---it is essential for you! Yelling from room to room is a habit that maybe she would be willing to change?

A few months ago I actually took a 2 week house-sitting job just so I could be alone LOL. I would come visit my family and pets but it was heaven to have all that quiet. It could be a strategy for making a little extra money towards your goal of buying and giving you a respite from time to time. The place I watched was only a block away from my own house.:)
There's no way my mom would listen (no pun intended) to me if I asked her to tone it down, even politely. A few weeks ago I asked her nicely to please not shout room to room after Gma's bedtime (essentially mine since I get up so damn early) and she didn't even attempt to comply. Now the latest thing they're ragging on me about is not helping them set up the VCR--I claimed I didn't know how (and I don't) and they don't believe me! I told them/her that I didn't know why they wanted the VCR set up when she's paying for DVR and helped her set that up--Yet they won't stop talking about how I let the light on the VCR blink for so many months and how that was such a waste of electricity, and how it was just one little five second favor. Uh, wtf. For one, I didn't know Mom was going to take months to set up the VCR (I had a feeling since this is her track record, but it is hers after all). For two, I'm rarely in the living room. For three, the blinking didn't bother me. For four, I'm rambling and will stop.

I need to gtfo. Found some information about "HUD" housing and other low-income apartments/properties in my neck of the woods (read: suburbs). Will be calling on that Monday. Keeping my fingers crossed they take 20-somethings and dogs... :-/
 
^ I guess. I've just been told a few too many times that I am "too wordy" and that I "ramble too much", so I've learned to recognize it at times and stop it when I can... I still don't have the heart to delete it when I can though--They're my words, you know? If you don't like reading wordiness, don't.

On a thread-related note, I've come up empty as far as the HUD-housing and low-income housing goes. None of them are for seemingly well individuals who are not elderly. So, I'm going to be calling a realtor soon--Was going to tonight but couldn't... Once I get a phone at work it'll be so much easier...
 
Meh, just figured I'd update for those who care or for those who may have other ideas for what I could do... As I mentioned in the last post, the HUD-housing and low-incoming housing has come up with nothing. I have not yet called a realtor for fear of the unknown and taking the next step. I found a local apartment complex that is within my price range, that allows pets, but I have not called yet to find out the size-restriction on dogs (if there is one) or even if there are rooms available... Another weekend of hell is about to begin in about an hour... I'm kicking myself now for not making any phone calls this week, except to a therapist who I have to wait 'til mid October to see... :-/
 
^Please don't be too hard on yourself, dear. I know for me, making those calls and meeting with people is a huuuuuuge source of anxiety. You did make the call to the therapist, which I know took a hell of a lot to do. Mid October is only a couple weeks away too.

After the weekend just the bite the bullet, take a deep breath, and call. Even if they don't tell you what you want to hear, it's a step towards where you want to be and you'll feel a lot better after and probably have more courage to call more people.

Things will work out, just be patient. <3
 
Your situation is lots like mine but different in a sense. I live with Pops and my son (actually- the kid's in rehab for a while yet) I still am having trouble getting used to that bit. But we have a nice split bedroom plan. I did my research in 2001 before we moved here because the old man snores like a chain saw. Mother died this past January. We have plenty of space here but struggling with bills since I'm not working-living on my crap pension, foodstamps and child support but Pop's is way more. I'm still looking for work. Life used to be so much better when I was working full-time.

Lately, this house has been kinda empty. I can't tell you how many times he waits until I get into the bathroom to start a conversation. I'm in there and just hear "Hello, Hello?". Pops needs me to drive him to the store because he struggles making left turns but won't go in and gives me a list. If I buy the wrong brand he throws a fit. At least if I had my son here, we would have a little laugh about it. I have phoned the cable company several times the past few weeks to find out which channel this certain football game is on. Ahh it's the season. "Hey what channel is playing Michigan State today?"

I really miss the shouting (not angry-just half-deaf people) As I've gotten older, I don't hear that much as I used to. (perhaps my tinnitus?) Once my boyfriend was over and he was ready to leave out the front door thinking we were having a family arguement. I said: No This Is How We Talk All The Time. He says "You guys are so loud, someone get a hearing aid!" You get the picture, man I know I'm getting old but we're doing ok by the grace of God.

I wouldn't trade my Pops for anything. It must come with age. Time to go grocery shopping...
 
Sooo, just figured I'd give an update...

I've taken the plunge. I dropped off security deposit and first month's rent to a landlord last night... I feel like I'm living in a dream. It doesn't seem real. The new carpet and repairs should be done in a week. I have the key, but will be getting a new lock. It's not in the best part of Buffalove, but it's not in the ghetto. It's the ghetto compared to here, but this is white suburban sprawl so it doesn't take much to be ghetto compared. Now I just have to think of how the shit I'm going to tell Mom/Gma I'm out of here and stay on relatively good terms. 'Cause while we're not on "good terms" atm, I am on my mom's health insurance, car insurance, and other shite like that that I don't wish to get kicked off of quite yet since it's cheaper...

There's so much more I could add, about how the rough budget a friend and I crunched out last night is rather scary (can make bills 'on the high end' by the skin of my teeth and if something dire happens...), but I think it's a good thing I'm taking this plunge...
 
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yeah it's definitely a good thing to be moving out. I haven't lived at home since i was 20 and it was awful. My family drives me nuts as well although i don't hate them, just can't live with them. Moving out was the best thing i ever did, it is definitely more expensive but you can't put a price on freedom and independence.

I would just tell your mom you found a great place to live so that you don't have to be a bother in the mornings. You can mention you will still be around if they need anything. That way they shouldn't feel abandoned and should be happy that you're moving up in your life. It is a hard thing to discuss as some parents may feel abandoned but try to be positive so that they think it's a positive thing. I hope you enjoy your new living accommodations!
 
I am sooooo happy for you! I think you made the right decision and you know what? It is up to your mom and grandma to accept it gracefully or not. You can't control that so just remain calm in any discussion about--calm and caring but not enabling them in any way. You needed to take care of yourself so that you could have a decent relationship with them. You acted on what you knew inside and that's good. I hope they accept it but if they don't it might just take time for them to come around. Show them it isn't abandonment--you were really thinking for all of you and wanting the best for everyone. Congratulations on making it work.<3
 
*Sigh* Emotions are still a little raw right now but I told them last night. They took it decently, but as abandonment and in financial aspects.

Thank you for the support Robot and herbavore. Very sparse lately.
 
Good for you!! you've done the right thing. You'll find your relationship with both improves a ton now that you don't live in the same space I'll bet! good luck and Hang in there!! Congratulations on the new place!!
 
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