Thinking of moving back to Orlando. (2014, lease, car insurance)

[Kori328]

Hello there 21 yr old female here. A little bit about myself I live in Long Island New York. I have horrible credit, I am about 6500 in debt due to horrible credit card spending and a small student loan. I have a high school diploma, no kids, I have 2 years working in child care and 1 year working in logistics (importing). I want to move back to Orlando. I lived there between 2011 - 2013 and even though I was making peanuts working at the YMCA I was 10x happier, I moved back home to go back to school but dealing with my mothers depression and her boyfriends constant complaining I just want to pack up and go.

Currently I make 750 a bi weekly.
337 goes towards my car (leasing a car).
420 goes towards my insurance (progressive is a **** ton I know)
120 for my phone (in a contract, don't know how to get out of it)
150 for my credit card bill (4000 in debt)

Only been working for a year and the rest of the money goes towards school but I am no where near close to graduating yet.

I just want to know what should I do, what steps should I take. I was thinking of paying off my credit card debt, lowering my phone bill, all while applying for massive amounts of jobs in Orlando. I just want to know if it would be wise for me to move back or should I pick another state. I chose Orlando because I do have family down there that even though I cannot stay with them, its nice not to be alone. I just want a lot of advice, I only have to provide for myself and I know what I need and what I do not need. I already cut up my credit cards so no more swipe, I was looking at cheap studios.

Also if someone could give me an idea on how much utilities would be that would help.

Thank you

[orlandosteve]

Look on craigslist and rent a room. it will be FAR less expensive and possibly manageable. Hopefully your car insurance will go down too...

[kyle19125]

Orlando isn't the place to move to get ahead with a job market that offers overwhelmingly lower-paying jobs if one doesn't have pertinent skills, a cost of living that's not compatible to those lower paying jobs and to top it off given your credit history, age and other factors don't think you'll see much of a drop in your car insurance. Comparing your current situation to one in the past (YMCA) isn't logical because you're in a different situation now and it's not going to be the same when you move back. I would recommend "sucking it up" and dealing with the issue of your mother/mother's boyfriend, pay off your debt and finish school in Long Island. You could just as easily rent a room there and no doubt have friends (or they know friends) who have an extra room you could move into.

[Kori328]

My mother has Major Depressive Disorder and doesn't take her medication regularly so the matter of "sucking it up" is hard to do. I cannot even focus on school knowing that she might want me out the next day. In the year I have been living back home I have been thrown out twice for leaving a piece of cardboard in the garage and killing a mosquito because it was one of gods creatures. Renting a room, in long island plus utilities would get me a two bedroom in Orlando. I have more friends there than I do here.

[kyle19125]

Sounds like you've already decided. Good luck!

[chopchop0]

Originally Posted by Kori328

My mother has Major Depressive Disorder and doesn't take her medication regularly so the matter of "sucking it up" is hard to do. I cannot even focus on school knowing that she might want me out the next day. In the year I have been living back home I have been thrown out twice for leaving a piece of cardboard in the garage and killing a mosquito because it was one of gods creatures. Renting a room, in long island plus utilities would get me a two bedroom in Orlando. I have more friends there than I do here.

Kyle has beef against CFL. Long Island is crazy expensive compared to here, and if all you have is an entry-level job, you'll probably still do better here than there.

[Kori328]

Originally Posted by chopchop0

Kyle has beef against CFL. Long Island is crazy expensive compared to here, and if all you have is an entry-level job, you'll probably still do better here than there.

Yeah chopchop0 I lived there before and I do not understand why it gets hated so much. Its way better than the north. No harsh winters, and people aren't *******s. I never experienced any racism (and I am half spanish & half african american) and even though I made close to nothing I was happier. I moved back home to help my mother with my sisters medical expenses.

I just want to know if my plan of paying off my bills first is a good decision. Then saving (I can probably save about 9700 from now until next December) after paying off my debt.

[annerk]

Originally Posted by Kori328

Hello there 21 yr old female here. A little bit about myself I live in Long Island New York. I have horrible credit, I am about 6500 in debt due to horrible credit card spending and a small student loan. I have a high school diploma, no kids, I have 2 years working in child care and 1 year working in logistics (importing). I want to move back to Orlando. I lived there between 2011 - 2013 and even though I was making peanuts working at the YMCA I was 10x happier, I moved back home to go back to school but dealing with my mothers depression and her boyfriends constant complaining I just want to pack up and go.

Currently I make 750 a bi weekly.
337 goes towards my car (leasing a car).
420 goes towards my insurance (progressive is a **** ton I know)
120 for my phone (in a contract, don't know how to get out of it)
150 for my credit card bill (4000 in debt)

Only been working for a year and the rest of the money goes towards school but I am no where near close to graduating yet.

I just want to know what should I do, what steps should I take. I was thinking of paying off my credit card debt, lowering my phone bill, all while applying for massive amounts of jobs in Orlando. I just want to know if it would be wise for me to move back or should I pick another state. I chose Orlando because I do have family down there that even though I cannot stay with them, its nice not to be alone. I just want a lot of advice, I only have to provide for myself and I know what I need and what I do not need. I already cut up my credit cards so no more swipe, I was looking at cheap studios.

Also if someone could give me an idea on how much utilities would be that would help.

Thank you

If you are netting $1625 a month, I'm not seeing how you are going to do any better in Orlando. You'll be lucky to make $9 an hour with your experience. That leaves you with approximately $200 a month net.

My advice is to stay where you are, find a second job, save every dime of that paycheck, and get more experience in logistics, which is a field with a lot of room for growth and a lot of jobs being created. Get another year or two in that field under your belt and then move--by then you'll be done with the contract on the phone, most likely be done with that car lease--or close enough that they will let you break it early if you lease another (and it can be much less expensive) car from them, have at least 25% of the credit card debt paid down, and you'll be older and hopefully no tickets or accidents, so your insurance will drop.

At this point I wouldn't be going to college, I would be using your spare time to earn money for a cushion. Two years from now you can move here with a higher earning potential, lower monthly bills, and then once you are settled and have been here a year, go to UCF p/t with in-state tuition.

[Kori328]

Originally Posted by annerk

If you are netting $1625 a month, I'm not seeing how you are going to do any better in Orlando. You'll be lucky to make $9 an hour with your experience. That leaves you with approximately $200 a month net.

My advice is to stay where you are, find a second job, save every dime of that paycheck, and get more experience in logistics, which is a field with a lot of room for growth and a lot of jobs being created. Get another year or two in that field under your belt and then move--by then you'll be done with the contract on the phone, most likely be done with that car lease--or close enough that they will let you break it early if you lease another (and it can be much less expensive) car from them, have at least 25% of the credit card debt paid down, and you'll be older and hopefully no tickets or accidents, so your insurance will drop.

At this point I wouldn't be going to college, I would be using your spare time to earn money for a cushion. Two years from now you can move here with a higher earning potential, lower monthly bills, and then once you are settled and have been here a year, go to UCF p/t with in-state tuition.

Not netting 1625, I get paid 1500 per month exactly. My lease is up October 2014 Then I will be taking public transport to work, there goes my car note and car insurance. All that is left is a massive credit card debt and phone bill. It is my mothers depression that is the driving force for me to move. I cannot bear it any longer if she doesn't take her medication regularly. Thanks for the advice.

[annerk]

Originally Posted by Kori328

Not netting 1625, I get paid 1500 per month exactly. My lease is up October 2014 Then I will be taking public transport to work, there goes my car note and car insurance. All that is left is a massive credit card debt and phone bill. It is my mothers depression that is the driving force for me to move. I cannot bear it any longer if she doesn't take her medication regularly. Thanks for the advice.

I was referring to netting $1625/mo in Orlando, which would be about right with a $9/hr job as we have no state income tax.

If you will have no car, it might be harder--although not impossible--to find work in logistics near the airport. You'd have to be willing to walk a mile or so each way to the bus stop.

I would still set school aside for now. You are basically in survival mode. Find a p/t job, work as many hours as you can, put that entire paycheck into a bank account. As I see it, your biggest problem isn't the debt but rather the lack of savings to fall back on in an emergency.