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Old 10-23-2011, 02:33 PM
 
5,730 posts, read 10,142,986 times
Reputation: 8052

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Quote:
Originally Posted by ParallelJJCat View Post
I do...I have 3,500 in savings. I always try to have money in case of veterinary emergencies, and I've had to use it enough to be very aware of the need for a emergency fund.

First/Last months rent, Moving expenses, Needed items, Utilities deposits, etc...

Not enough.

I don't feel comfortable unless I have $10-15K, and my income is a Gov't pension.
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Old 10-23-2011, 07:51 PM
 
Location: University City, Philadelphia
22,632 posts, read 14,976,794 times
Reputation: 15936
Quote:
Originally Posted by ParallelJJCat View Post
I live in South Jersey.
Many parts of South Jersey are very affordable ... much below the national average as far as cost of living goes. Not the nice parts, though ... you couldn't afford to live in Haddonfield or Collingswood or Cape May or Bigantine.

Listen, there are a lot of agricultural farm workers that live in places like Vineland and Bridgeton ... on much less than you make.

I say: yes, you can do it! You can find a clean and safe apt. in the $500-$650 range, but it will not be in a desirable area.
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Old 10-23-2011, 09:10 PM
 
2,873 posts, read 5,862,841 times
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Quote:
Originally Posted by Themanwithnoname View Post
First/Last months rent, Moving expenses, Needed items, Utilities deposits, etc...

Not enough.

I don't feel comfortable unless I have $10-15K, and my income is a Gov't pension.

Yeah, if I wait to have that much I'm never going anywhere. It's just not possible.
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Old 10-23-2011, 09:13 PM
 
5,730 posts, read 10,142,986 times
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Quote:
Originally Posted by ParallelJJCat View Post
Yeah, if I wait to have that much I'm never going anywhere. It's just not possible.
Yes, It is.

But I wasn't saying you needed that much.
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Old 10-23-2011, 09:38 PM
 
Location: On the sunny side of a mountain
3,606 posts, read 9,076,499 times
Reputation: 8274
A friend of mine who is a social worker was telling me one of her client's sons was receiving a monthly payment to be the caregiver for his father because he is disabled, cooking, cleaning, paying bills. I'm not sure if you would qualify but it might be something to look into.

I do think it's possible to live on a very tight budget, especially if it means keeping your sanity. I can't imagine continuing in the situation you are currently in and being happy. Maybe you could let your siblings know you are planning on moving out and that your folks could use some additional financial help, even if the all pitched in $30 a month it would be a burden that you wouldn't have to bear. Frankly with all you do, your siblings should be helping out more.
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Old 10-25-2011, 09:26 AM
 
1,320 posts, read 3,707,771 times
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How about getting an inexpensive motel a couple nights a week? I know it is not the same, but it would at least give you a little time on your own without breaking the bank. Could be done for 4-500 a month.
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Old 10-25-2011, 09:40 AM
 
Location: World
4,204 posts, read 4,704,843 times
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Ask any Ph.D. student and see how they survive on money like that. I have seen Post Doc research Scholars surviving on 1300 dollars per month.
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Old 10-26-2011, 01:20 AM
 
18,741 posts, read 33,465,595 times
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It sounds like the OP is taking care of someone who is, at most, middle-aged (50s?) and is mentally unwell. I agree with those who sympathize with OP's great desire to have a modest, live-alone-with-cat life. I'm from south Jersey (was just there this past weekend) and there's a lot of variation in areas, cost-wise, and car-dependence-wise. Yes, the car is paid for now, but cars age. Sounds like the mother owns her house (technically- if she's taken money out twice from equity) and likely isn't old enough or have enough equity for a reverse mortgage. Yes, OP could manage mother's finances from a distance- is OP legally guardian or whatever you'd call it?
I absolutely do not think we owe mentally ill/manipulative/"helpless" parents our lives. (Disclaimer- I had such a mother). OP really wants a modest life and deserves to get it. Best wishes.
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Old 10-26-2011, 07:21 PM
 
Location: Cincinnati near
2,628 posts, read 4,307,657 times
Reputation: 6119
I don't know your exact situation, so this may not be an option for you at all. If you have the energy, a 'fun' part time job might be an interesting diversion. Depending on your personality, this side job could be something that is social or solitary; whatever makes you comfortable. When I was in college, I worked part time at the concession stand of a local swim club. I didn't have a lot of customers, so I spent a lot of time reading and chatting with other staff. In graduate school, I cut grass and cleaned gutters. While that sounds unpleasant to some people, it was amazingly therapeutic for me when I was doing chemical research and writing papers 12 hours a day. The extra income was just a bonus.
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Old 10-26-2011, 09:36 PM
 
2,873 posts, read 5,862,841 times
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Quote:
Originally Posted by Chemistry_Guy View Post
I don't know your exact situation, so this may not be an option for you at all. If you have the energy, a 'fun' part time job might be an interesting diversion. Depending on your personality, this side job could be something that is social or solitary; whatever makes you comfortable. When I was in college, I worked part time at the concession stand of a local swim club. I didn't have a lot of customers, so I spent a lot of time reading and chatting with other staff. In graduate school, I cut grass and cleaned gutters. While that sounds unpleasant to some people, it was amazingly therapeutic for me when I was doing chemical research and writing papers 12 hours a day. The extra income was just a bonus.
I have a full time job (salaried, so I don't get paid overtime), plus I have my writing that I'm trying to do. That said, I really want to work at our local wildlife sanctuary, even for low pay. I'm a trained veterinary technician (that's what I went to college for) and really miss working with animals. I just have no idea how I would fit it in.
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