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03-13-2006, 11:48 PM | #1 |
Zilvia Junkie
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Full Time Work and School for an 18 year old living on their own (HELP PLEASE!!!)
Okay, here's my situation, I'm 17 and will be 18 at the end of may. My mom and I have decided it would be best if I moved out on my own because of complcated matters. I am in the Automotive Technology program right now and will be going through it for the next 2 years.
The program runs Monday-Friday 8am-3pm, from what I understand it is a VERY low homework class because you can't work on cars at home, I will find out how much homework is involved though. School tuition will have to be taken care of via student loans, its not an incredibly expensive program, but it is still pricey. Right now I am working at a Nissan Dealership on wednesday and the weekends, when I go into fulltime I will have to stop my wednesday shift. I work 15 hours on the weekends after break (Sat: 9-7 and Sun: 11-5 (open-close both days)) and I do not believe working a second job right after Nissan would be a good idea because I work very hard at my job and at the end of the day I couldn't see myself being able succesfully work another job. So this leaves me to find a second job somewhere else. I would like to work Monday-Friday from 4 pm - 11 pm, but this would give me 9 hours off time, realistically giving me 7 hours to sleep each night excluding weekends where I would have a little more time to decompress and sleep longer. Basically it all boils down to my schedule being this. Sunday: Nissan: 11-5 Monday: School: 8-3 Second Job: 4-11 Tuesday: School: 8-3 Second Job: 4-11 Wednesday: School: 8-3 Second Job: 4-11 Thursday: School: 8-3 Second Job: 4-11 Friday: School: 8-3 Second Job: 4-11 Saturday: Nissan: 9-7 ------------ 35 Hours School 51 Hours Work After Breaks/Before Taxes I would be pulling in around $1500 per month on minimum wage of $7.65. Lets say taxes is $150 out of each paycheck, so I'm down to $1350 already. My mom said she would be willing to give me $150 per month to help out and I have not discussed this with my dad yet, but I believe he would help a little bit as well. Now if I round a very bottom of the barrel 1 bdrm apartment I could probably find one for $350 a month including some utilities (cost of living is relatively cheap in WA), so I'm down to $1000 for food/clothing/gas/car insurance/phone bill/(what else is a big drain on funding in life?). Cliffs. If there are 168 hours in a week, I would already lose 86 hours to school/work. Is it possible to do what I am planning. If so, does anyone have any personal stories of such a lifestyle? If not, what am I missing that makes it possible for others to make it through college? Please ask any clarifying questions you need, I dont have any other place I can think of where I can get such a variety of answers. |
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03-14-2006, 12:20 AM | #3 |
Zilvia Junkie
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Believe me, I will be trying to find a better job by pulling in any favors I can. But it is extremely hard to find an above minimum wage job for an 18 year old in a college town full of students willing to do the same for less.
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03-14-2006, 12:29 AM | #5 |
Zilvia FREAK!
Join Date: Apr 2005
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This sounds a lot easier on paper than it is to live out, Im 17 also man.
I'd go to 4 year University if possible and live there. Just take out big time student loans and apply for as many grants/scholarships as possible. I agree with citizen, if you are 18 you should be making a LOT more than minimum wage. When Im 18 I'll be making roughly 12 bucks an hour, which still isnt nearly enough to take care of the cost of living in socal. But its better than working 2 jobs and trying to go to school full-time. Is Nissan and this "other job" seriously going to be paying you minimum wage? 350 a month wont get you shit at least where I am, and 1k a month for expenses is feasible, but you wont be having anytime to spend money. No point in having T.V or any luxuries. Is this automotive tech program going to land you a high paying career? If not, I'd rethink about going to something that will give you financial security. I dont see how you'd be able to concentrate on school working 50 hours a week. Most finiancial aid programs give you enough to take care of all tuition cost and most of the cost of living. Cliffnotes: -Find a better job that pays more than minimum -Work like 35-40 hours a week max in a better job. -Take out bigtime student loans/scholarships/financial aid to help you out with cost of living (This is the secret to going to college if you are broke and living on your own) -Decide if this is really worth the benefit of this "auto tech" program. -Realize you will have no free time, be tired constantly, and always stressed financially and emotionally if you try to do your current schedule.
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03-14-2006, 12:36 AM | #6 |
Zilvia Junkie
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I only get paid minimum wage because thats all they need to pay me, until I get further seated into my job, they could pretty much replace me with another college student because there are thousands in my city. Working at nissan also serves as a benefit because my automotive costs go down significantly. I get a nice discount not only on nissan parts, but shops all around town, such as tires and other places.
In the long run I hope to be able to do this program for 2 years, then go to a 4 year photography school while being able to work as a ASE certified mechanic as my job. In the end I will be a professional photographer, and if the clients ever start falling off I will still be able to work as a professional mechanic until the clients pick back up again. Or at least thats my hope. |
03-14-2006, 12:46 AM | #7 |
Zilvia FREAK!
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Well if thats really what you want to do, go for it I guess. But a schedule like that is going to be hell, especially for 2 years. You need at least a day or two off work to take care of other problems. Good luck.
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03-14-2006, 12:53 AM | #8 |
Zilvia Junkie
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Thats what Sunday can be used for apart from nissan, doing laundry, buying food, relaxing. Sundays at nissan are relatively relaxed most of the time.
Please dont take my counter arguements as agressive, I'm just trying to work out your points in my head. I appreciate you bringing them forth. |
03-14-2006, 10:05 AM | #9 |
Leaky Injector
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Dont Worry Jobe It Can Be Done. I Know From Experience, Try Doing That And Trying To Keep A Social Life And A Girlfriend Haha.. That Was Hectic.
Ill Help With Some Of Your Income Homie. Hahah Ill Be Hoping To Do Some Shoots In The Near Future! Haha
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03-14-2006, 10:24 AM | #10 | |
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Join Date: Sep 2002
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Is there some really overriding issue that is forcing you to have to move out and live at or below poverty level in the face of 2 jobs, neither being fulltime (and therefore no benefits)?
If the situation at home can be worked to allow you to remain there while in school or until securing a better line of employment, by all means you should be looking into that, opposed to trying to work 51 hours a week and school 35, you'd be on burnout mode in no time flat.
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03-14-2006, 10:29 AM | #11 |
I hate you too...
Join Date: Jul 2001
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Cakewalk. I went to highschool 40 hours per week, and then to my job another 40-50 hours per week, for 4 years straight.
Here are some flaws with your plan. Figure 18% taxes. Not a flat number. So, 18% of $1500 is just about $300 in tax. So you are starting at $1200. An apartment is rarely $350 per month. Perhaps in the ghetto. I understand that your area may be different, but places surrounding a campus are more expensive. First year of college I lived 15 miles, 35 minutes away from campus, had a studio apartment, and paid $460 per month in 2002. Currently I pay $560/month. You'll pay another $100 in electric/internet/water. I really, really doubt you'll get away with living for $350 per month. You say cost of living is low, but your minimm wage is $7.65. In Florida, where everyone knows the cost of living is low, the minimum wage *just* got raised a dollar, to $6.25/hour. And I pay $750 per month for rent, utilities ($80 for digital cable, so you could disregard that), and cell phone. That isn't including the $150 in gas I drive through going to work and school. Or the $140 insurance for said car. Or the $250 in food. My current output is just about $1200 to survive. If you can find a place with bills included for $350, without living in a project-house... I'd die of shock. -Jeff
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03-14-2006, 12:12 PM | #12 |
Zilvia Junkie
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Basically, my mom "strongly suggested" that I move out. I view it as kind of the last phase before I get the boot. So if I leave now I will recieve some financial assistance from her ($150 a month, maybe something from my dad too) but if I wait around I'll get kicked out flat on my ass.
I'm not expecting to find another gem as nice as that place but I am sure I can find a place in the $400 and below pricerange, especially since I will be entering an apartment as all the college kids are leaving. I'm not looking for a place right next to campus nessecarily, I just want to remain inside the city, I can go all the way across the city in 15 minutes, so I'm not worried about commuting time. But it would be nice to live next to the school or next to work. |
03-14-2006, 01:39 PM | #13 |
Zilvia FREAK!
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my suggestion is to stop pissing off your mom, or stop whatever you're doing to make your own mother to "give you the boot". Do what she says, by all means, TRY. there has to be a pretty dam good reason why the person who gave you birth wants you out so strongly. no offense, but you gotta work things out. i go to school mon-fri then work fri-sun, never get a day off. im already burnt out and i dont work 51hrs or even go to school for 35hrs.
if you really must move out though, i suggest get a valet job and find a nice spot and stick with it. i used to make $60 a shift on a bad day and upwards to 100+ on a good one. i have a friend who still doesn valet that makes $1000 cash every weekend. before all he had was a yamaha R6, now he has a EVO and a 98 MKIV which is now being built to 700hp. its great money in short hours. work half the time, and you'll get just as much or more. but then again we worked in newport beach, not sure if you got any rich areas around there that need valet. henry |
03-14-2006, 01:57 PM | #14 |
Post Whore!
Join Date: Jul 2003
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If time and distance permit you to take public transportation or bike/board/skate to school and work, sell your car.
No maintenance, gas, or insurances costs FTW. |
03-14-2006, 02:17 PM | #15 |
Zilvia Junkie
Join Date: Aug 2004
Location: Los Angeles
Age: 36
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If you work more than 20 hours a week and go to school full-time, your chances of dropping out are extremely high. If you must move out, then I recommend going to school part time. There isn't really a difference in graduating when your 21 or when you're 25 (extremes). Honestly, you're going to still be pretty young anyway. And yea, worry about your car or whatever is costing money AFTER school if you're in a bind. I know personally, right now I am going to school full-time, and I only have my car parked - I only drive it when I want to drift - all other times I take MTA. It's cheaper - you can usually insure your car cheaper if you only drive it low miles per year, and gas will be waaaayyyyyy cheaper. Good luck.
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03-14-2006, 02:31 PM | #16 |
Post Whore!
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I noticed you talked about homework and not having much, I assure you that learning about cars is not all hands on, there is a lot you will need to know that is often learned through text, at least in my experiences thorugh 4 years of high school automotive classes. sure there was a lot of hands on, but deffinitely find out how much time will be spent for homework.
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03-14-2006, 02:34 PM | #17 |
Zilvia Junkie
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Its not nessecarily that I'm pissing my mom off and she wants me gone, but through the semi-messy divorce, my relationship with my mom suffered. She wants me to move out so we can lose our past relationship of dominator/dominated. It's hard to explain but its not like I'm sneaking out to go party or anything, we just cannot get along with each other right now. Its mutual.
asked my teacher today how much homework we would do and he said we have less homework than his 2nd grader. Also I just found out that we do an internship this fall quarter and a some quarter at the end. Most of the time this internship is PAID I also asked about what his students did who were living on their own, he said that it varies between student but for the most part, if you work hard, it shouldnt kill ya. As far as dropping out, if I were going to do that, I would've already done it, I realize it gets tough, but I'm not giving up when I've already made it this far. Oh and I forgot to mention, I am in high school right now and I will be having two quarters paid, so I believe there is 5 quarters left which i will be living on my own, because he said it was 7 quarters total. So not as bad as I was originally told. I just went and got my fafsa paperwork and am going to be filling that out soon. |
03-14-2006, 02:34 PM | #18 |
Zilvia Junkie
Join Date: Jan 2003
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OK, a couple things:
1. taxes takes a lot more than 10% of what you make...I lose $100 out of a $400 paycheck, so figure on walking with a lot less...esp. if you get health insurance through your job 2. Roommate. The cheapest way to live. Since the semester is coming to an end soon, find someone that wants a roommate for the next year. you can get a place a lot cheaper if you live with one or a few people, plus they help cover utilities. who cares if they can be annoying. 3. Dont waste your money. If you don't need something, don't get it. cut out tv, internet, phone, new clothes, whatever you can to save a few bucks. My girl and I have no cable, no home phone, and use the internet at the college, but we save about $90 a month doing it. Corners can be cut. Ramen noodles are your friend. 4. Try to find a better job. Work as little as possible to cover your cost of living. Helps to keep you from burning out. I have taken about 30 hours of class and worked 32 hours a week, plus homework, social time, and sleep...doesnt leave much. You can only do it for so long before you burn out. You could always do light semester/ heavy semester (work a lot one semester, cut back the next to get a break), but that only works if you're good with your money. Good luck dude. It ain't cheap, or easy, but thats life.
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03-14-2006, 03:09 PM | #19 |
Zilvia Junkie
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1) yeah, I just threw that out there to show I was trying to compensate for it
2) if I can find a roommate to help me save a few bucks, i will gladly, but I would much rather work harder and have a restful sleep than work less but be awake to a partying roomate. But I suppose that is everyones fears, and the roommate situation usually works out okay... 3) Hehe, yeah, I was already living the no-spending life for a while while I'm saving for sr20det, so its not going to be a massive change or anything. 4) Working on finding a better job, but its tough to come by. |
03-14-2006, 03:25 PM | #20 |
Nissanaholic!
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valet at night if you know a place hiring. Or sell drugs ( it makes money but i wouldnt do it). I never worked till I got out of college, but I see a lot of my friends doing it. Get cash jobs is the best advice. valet, Casino dealer (lots of money there), waiter/bus boy, bartender. If I had a choice I would go deal card at a casino at night and go to school in the day and then sleep. My friend gets $300 a night on a bad night and works 5 days a week. That is $1500 a week cash, plus he get mininum wage for $40 hours.
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03-14-2006, 05:00 PM | #21 |
Leaky Injector
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reminds me of college ... that was just 1 year ago. I went to school full time and worked part time 19hrs/week. My parents lived 2000 miles away and I received virtually no monetary support from them... I survived four years by maxxing out on my grants/financial aid, living with room mates, maxxing out two $5000 credit cards, eating jack-in-the box and cooking. I worried about money but always had time to go out, sometimes clubbing, and eating out with the girlies every other day almost . Use the financial aid to cover housing/necessary food, work money for play time, and credit cards for more play time. towards the end of the quarter, I was usually broke so i just sat in the apartment or went to the gym and played basketball for hours to save money. about the financial aid, if you are really getting kicked out, you can probably petition to be classified as being independent and get more financial aid - talk to the financial aid office at your school/program.
one big thing to remember though.. that big financial aid check may tempt you to buy stuff for the car... BIG NO NO:hammer: ... a lot of my friends in college used their money for their cars and eventually dropped out or were kicked out because they couldnt afford to pay the necessities good luck - zilvia folks are usually kind and sympathetic with these personal issues ... car issues are another thing
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1991 240sx FB base model s14 checker seats = comfy butt Dent on driver-side door = aerodynamics Clear bumper lights = 10hp Cheap ass tint = 5hp American Racing rims = 10hp Stock non-US spoiler = 20hp Removed intake resonator = 40hp Loud sound resulting from removal = 50hp MR Coilovers = 10hp Stock hp = 155 TOTAL = 300hp!!!!!!!! |
03-14-2006, 05:49 PM | #22 |
Zilvia Junkie
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Haha, thank you for excellent use of emoticons.
But yes, if i do this, my car is done for a long while, my hope is to only use financial aid as payment for school and my tools, thats it. Hence the reason why I would work so much. Once you start dipping into financial aid for school to go into personal areas, it all goes downhill. |
03-14-2006, 06:44 PM | #23 |
Nissanaholic!
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better get fafsa done with a quickness. priority filing was March 2nd.
You might want to get another job so you can work less anyway, everyone said basically everything. I wish you the best, man. Good luck. Do what you gotta do; if the going gets tough, stop working on the car
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03-14-2006, 06:50 PM | #24 | |
Zilvia FREAK!
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Quote:
Financial aid, school loans, and living with your parents is the way to go. It took me four years to get through a two year program because I worked full time and didn't take classes during the summers. |
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03-14-2006, 07:29 PM | #25 |
Zilvia Junkie
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03-14-2006, 07:54 PM | #26 |
BANNED
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too much fucking reading....
basically you need at least $13 to live on your on comfortable enough for you not to go insane. Basically whatever your doing know make sure its so itll take you somewhere else in the future. You dont want to get stuck at the $13/hr range. By the time your 20 you should at least be making $2500 monthly. The way you wanna live is all up to you and what your comfortable with. It all depends what you want out of life and where you wanna be in 5 years. I was in your situation and now I have a dope job saving up money to develop my credit go to school buy a house in 4-5 years. Overall its very complicated and if we had like a good 1-2 hours to talk we can get down to it by detail and I can give you more options. Good luck |
03-14-2006, 08:28 PM | #28 | |
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03-14-2006, 09:52 PM | #29 |
Zilvia FREAK!
Join Date: Apr 2004
Location: California, Norcal biiaatch
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If burgers means cocaine like in this link then I believe you.
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03-14-2006, 09:59 PM | #30 |
Post Whore!
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LISTEN TO ME...
IT CAN BE DONE. Social life=GONE Play money=gone I've been going to college FULL TIME(not bs classes either) and working 40 hours a week for the past 3 years.... It IS possible. But be prepared to be TIRED all the time.... i mean ALL THE TIME. Here is the BEST tip i can give you.... Find a job(wether you like it or not) where you can STUDY and get paid for it. Be a parking lot attendant....be a nighttime security guard....Do something where you have free time after completing your job....ie. get shit done at work, then get paid to do homework...that will be your best bet. So...YES it is possible. also- Dont try to be some dumbass baller retard. DONT try to get your "OWN" place. Look for rooms in ESTABLISHED places.... Try to rent a SINGLE room in a house where the people are responsible...RENt will be cheaper than "living on your own" and you wont be tempted to do stupid shit other young people do. |
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