Reply to I am so over my head

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[quote=Anonymous][quote=Anonymous]In order for her to get rid of the car, somebody has to be willing to buy it. If she sells the car for less than she owes, she's without a car and without money to purchase another in an area where she needs a car. I agree, buying a 20K car was not the smartest move, but how does that help her today???? Her previous nanny job is gone! What good does it do to tell her it was dumb for her to leave it now? Give her advice based on where she is today and check the smugness at the door.

She's NOT paying $200 to the phone company. Even if you factor in her cable bill, she's paying the cable bill in exchange for her roommate paying the utilities because the bills are roughly the same. So she's paying $200 for utilities, cell, and cable per month.  Let's stop pretending she's spending an exorbitant amount. I'm not saying keep the cable, but it's not the real issue which is she needs to dramatically increase her income or drop her living expenses altogether by moving in with her parents.

OP, I suggest you give yourself until February or so to find a job that covers all your expenses. Otherwise, its time to go back home. You have made alot of commitments (to your roommate, the gym, the dealership) and now you have to make the most of what's in front of you. Be upfront with your roommate and let her know that you will likely have to move back home, because you can't afford your bills together.

It's probably a good thing that you won't like living at home, because it will give you the incentive to work harder. At home with your parents, you can double up on those car payments and pay off the Mazda quicker.[/quote]

OP here: I really appreciate your feedback. Thank you.[/quote]

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