I could really use some financial advice please.
I'm a school-bus monitor, and for the pass two years, the hours at my job have gone down. I work six and a half hours, I don't work on weekends, major holidays, or the summer. My rent has also gone up, and seems to keep going up, and is now 760-something every month when it was over a hundred dollars less when I first moved in. My last paycheck was like 436-something and that's usually how most of my paychecks look. Things are going really bad.
Having typed that, I'm worried I may have to ask my parents if I can move back in with them next year. My lease is up in early 2013. Based on what I've told you, do you think I'd have to move back home or is there any chance for me at all? There's another apartment near by that is about 500-something a month. I thought about moving there, but I still worry if I can afford it or not.
It's also hard to find a second job, and even if I did, my job skills are limited, and I don't have a car either.
By the way - Just one extra question please - Apart of me thinks that if I have to move back home next year, I'd like to figuratively have a "Last Supper". In other words, do something fun. I was thinking of going to Europe for two weeks. England for a week, and Germany for five days. I'd probably go in October, and just put most of the trip on my credit card. Then when I move back home in early 2012, I'd save up a few paychecks, and pay it all off, but for the first few months, I'd have to pay the bare minimum. Does this sound like a good idea or would it just make things worst?
One more thing - If there are any kids or teens reading this, please stay in school and do well in school. Go to school everyday, pay attention in class, and do your homework. Don't let troublemakers or party animals or drugs or booze or anything or anyone else mess things up for you. People like me have the problems we do because we didn't do well in school. My problem was I was lazy and I was stupid, and now I get to be a bum for the rest of his life who works on a bus, doesn't drive a car, collects food stamps, and may have to live with his parents and I'm almost 30. I'm also a junior college drop-up and single. Know why? Cause no decent woman wants to be with a man who can't provide for her. If you don't want to be like me, you need to do the opposite of what I did when I was a kid, and do really well in school. I never cared about the future and look where it got me. You don't want to end up like this one day.
(Sorry for the whining and the preaching. I'm a little blue right now.)