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Dedicated December 2020

Can’t afford anything?

Future Mrs. Lowder, on August 17, 2020 at 9:09 PM Posted in Family and Relationships 0 21
Hey y’all..
This may be very off topic from what’s normally posted on this site but I figured I’d give it a shot.
FH and I are really struggling with the post marriage living situation. We are still young so our credit isn’t good enough to get a loan for a house and we’re barely making enough to pay for more than our bills each week so rent will be hard to add on top of that. FH has been looking for a new job since obtaining his certifications but he hasn’t had any luck. I never went to college so I don’t have skills in anything so getting a new job has proven difficult. We’ve discussed living with our parents for a while but neither of us get along with each other’s parents enough so we’re trying to avoid that situation. Anyone have any advice for how to handle this?

21 Comments

Latest activity by MOB So Cal, on August 18, 2020 at 8:02 PM
  • Katlyn
    Devoted December 2021
    Katlyn ·
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    Have you thought about getting roommates? I know it isn't the ideal married life but that might be a good compromise. You can live with some friends possibly. Rent will be cheaper and you can share the utilities.

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  • Michelle
    Master April 2021
    Michelle ·
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    Have you tried waitressing? My daughter makes enough to cover her bills plus more.
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  • F
    Dedicated December 2020
    Future Mrs. Lowder ·
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    I thought about it but I already work so much that adding a second job would be way too much. I’m not sure I’d even have time enough after my normal hours plus the overtime to be considered for another position.
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  • Elizabeth
    Dedicated August 2021
    Elizabeth ·
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    Not sure if this helps, but have you ever waitressed? I made really good money in tips which allowed me to pay rent, food, bills, and college tuition while still going to school. Working a 40 hour week waitressing actually made me more than my post-college job!
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  • Elizabeth
    Dedicated August 2021
    Elizabeth ·
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    Sorry, just saw the precious comment that was posted while I wrote that! Ignore me!
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  • Elizabeth
    Dedicated August 2021
    Elizabeth ·
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    *previous comment
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  • M
    Legend June 2019
    Melle ·
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    I like the idea of getting roommates. It isn’t ideal but if it’ll help for the time being then it’ll just be temporary
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  • V
    Rockstar July 2019
    Veronica Online ·
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    Unfortunately, I don't advise getting married until both of you are financially stable. Finances will put a huge strain on your relationship. I would also recommend trying to find roommates or a better job. Not all jobs require a college degree.
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  • Erin
    Expert May 2021
    Erin ·
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    How about grandparents or if you go to a church see if there is anybody who might have extra room and wouldnt mind charging u rent to live with them? An older couple maybe?
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  • Erin
    Expert May 2021
    Erin ·
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    Maybe he could take any job he can get now to help with income and keep applying to ones he really wants..
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  • Erin
    Expert May 2021
    Erin ·
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    Another option is maybe eat out less? Live off ramen noddles/pb & j, for a short time? (Just tossing out ideas, not saying you are crazy spenders, i am in same place right now financially )
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  • Pirate & 60s Bride
    Legend March 2017
    Pirate & 60s Bride ·
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    Can your husband get a job as an Amazon driver for now? A roommate can help too.
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  • Pirate & 60s Bride
    Legend March 2017
    Pirate & 60s Bride ·
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    Would renting an AirB&B be cheaper than an apartment right now? Maybe you can look for a house with a separate entrance/studio and see if they’re willing to way drop the nightly fee because they’d get full-time rent.
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  • Irena
    Beginner October 2020
    Irena ·
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    Sign for for gig economy gigs. TaskRabbit, Lyft, Upwork, etc. Your husband should be able to find random gigs that way. Also, if you make less than a certain amount in total, you should be eligible for government help. Check online resources for your state and speak with a social worker.
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  • F
    Dedicated December 2020
    Future Mrs. Lowder ·
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    He’s currently working, just looking for something better now that he has his certifications
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  • Margaret
    Master October 2020
    Margaret ·
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    I understand that getting a 2nd job doesn't sound ideal; but honestly there comes a time in life where we do things that we just don't like or want to do. I have two jobs, one that pays the main bills and one that gives a little extra to put into savings. It sounds like as much as the two of you dislike the idea, it's something you both should consider. Just because you didn't go to college, it doesn't mean you don't have any skills. You may have to pick a job right now that is less than ideal to make more money. We've all gone through it.

    As previously noted, you may want to consider postponing a wedding until your finances are better and under control. If living with either of your parents isn't ideal, then look at other family members that may be willing to help or you can look at getting a larger place with the the hopes of renting our extra rooms to generate some income - that doesn't just pay the bills. Also, don't eat out; eat at home; PB&J, Bologna sandwiches, you eliminate any extra spending that is unnecessary (if you get your nails done, stop, find a less expensive hair stylist, skip the starbucks - and try to save as much money as possible.

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  • Sara
    Expert August 2021
    Sara ·
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    If I were you I would check out care.com. I nanny full time and make a lot of money doing it. With schools being online this fall, a LOT of parents are in need of help with their kids. I have had to disable my app because I keep getting messages from people about work. I have already taken in 3 additional kids from the neighborhood on top of the 2 I already work with. It's good work and well paying!
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  • Erin
    Expert May 2021
    Erin ·
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    Gotcha..ok

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  • needmorewine
    Expert May 2016
    needmorewine ·
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    What is your current living and monthly bill situation? Do you live together or separately? How much are you currently paying for living expenses and how much do you think those expenses will increase after getting married?

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  • M
    VIP January 2019
    Maggie ·
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    I have all these same questions. And I also agree that postponing marriage until you can both be financially independent may be best for the long term. In the short term, get some budgeting books from the library and join some online forums/Facebook groups specifically about increasing income/decreasing expenses/budgeting. You can learn so much that way!

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