So I want to move out of my parents house and live by myself soon. Some things that are preventing me from moving is my STi(Unaffordable Insurance) which If I chose to move out and keep it, I would be paying $333/month for insurance. I don't want regret making a decision but should I give it up and sell the STi? It's already paid off so I'm a bit worried about making a regretful decision but I'm also in college. Some apartments I've been looking at are about $600/month 1-bedroom,kitchen,bathroom etc... or $800 2-Bedroom kitchen,bathroom etc... and split it up with a room-mate? These places have no garages. Keep searching? Or are these pretty much normal rates?
1. You're in college - get the cheapest place available...nothing wrong with studio apartments. You won't be doing much more than sleeping/romantic explosioning there anyway. 2. Not a good time to sell a car. Nice that it is paid off. Can you let it hibernate somewhere and drive around something economical that you don't mind parking on the street? 3. Roommates always sound like a good idea but unless they are your undercover lover stuff will always come up that results in hard feelings. Likely to happen with your UL too but at least you're getting some tail.
Yeah unless its paramount that you move out, don't Suckle that teat for all its worth. You will have plenty of years to live alone.
My daughter (18) moved out about a month ago. I still have her under my insurance policy to keep her rate affordable even though the car is in her name. Roommates, she is already having issues. Bills, even though I am paying her rent and car insurance, she was in for a little sticker shock re phone, cable, utilities, gas in car, food. Unless you are being asked to leave or have some other compelling reason, I would stay put.
I moved out right away and found a job - and didn't have an expensive car until i could afford one (read: I HAD BEATERS) and insurance was fine. I do NOT agree with this advice of "stay with your parents and mooch off them as long as you can" that a few people are saying here. If you're in college, it might be best to stay at home until it is over - and then move out right away. Otherwise, unless you feel you can handle all of the responsibility (it's a bit more than just rent and insurance - you will have other bills to pay as well) - AND go to school, then I agree with the studio apartment thing.
find a girlfreind and move in somewhere with her, dont sign anything more then a 6 month contract though. just in case you dont stay together.
I agree with Aegis, although I was always the independent type. If you do it right, living on your own forces you to grow up and focus on adult issues earlier in life. Things like cleaning, groceries, utlilities, budgeting your money, etc. The more experience you have with these life issues, the better, as you will be dealing with them for the entire rest of your life. I think staying to live at home just prolongs this learning process, and for many kids, forces them to learn very quickly once they move out, which often leads to problems (like having to move back in with the parents due to money issues, poor decision making, etc). In addition, and no offense to anyone still living with their parents here, but it's basically impossible to have a real adult relationship when you are living with your parents. Plain and simple. Regarding costs: Honestly, when you're in school, the aim is to keep your costs as low as humanly possible. Find a beater car, garage your STI if you want to keep it, and find a studio apartment or 1 or 2 roomies that you are absolutely sure you can talk to. Like many things in life, having successful drama-free roommates is accomplished by crystal clear communication and good ground rules. If you move in with one or two guys, be sure to talk about how you will handle utlilities, cleaning supplies, cleanliness, etc. Roommates are often a lot of work, but can be a lot of fun if you find the right ones.
I am in the same boat, but my home is in WI, so I had no choice but to move into an apartment in MPLS. You learn to deal with bills, and learn to eat and entertain yourself in cheap ways. Craigslist can help fill an apartment for cheap too. I can imagine that you are ready to leave the house, I know I couldn't live with my parents, and honestly don't want to be a mooch. If you moved, you will learn to appreciate good meals and a parent picking up some groceries for you... As far as the car, I have an RS, which isn't the nicest car in the lot but also isn't a beater. I wouldn't want to have a nice car in the city, especially without a garage, so I would also recommend maybe parking the Subaru and picking up something a bit older/cheaper. Just my .02
$333 a month?!?! holy balls! I pay about 35 for my car. I would say, save up for a bit, buy a cheaper car that will have cheaper insurance. get liability only. and go for it. I moved out 4+ years ago, with no regrets! and I won't be going back.
mine was sarcasm..... you know cause half the kids on here do and mummy/daddy pays for their car too... View attachment 13982
which I won't be doing! pretty sure I could put insurance on all the cars in my driveway and not pay that much. meh......even anyway. I could make a few sacrifices and pay that much extra and still come out in the black every month. of course, a car payment on a car that would require a $300+ monthly insurance policy would probably require some debt.
Well the problem is my parents are taking too much control of me. I'm 19, I can't even get out past 9pm without them calling me to yell at me to get home. Second I gave up my $11.00 job in 11th grade out of good will to help them run the gas station. Boy was I wrong, I used to get paid atleast $250/Week working at the gas station, then 5 months later if became $250/month, and this last few months I'm getting paid $0 and he's telling me to pay my car insurance and phone bill. As you can see I am not happy and frustrated. I found a roomate who is willing to pay the rent until I find a job but with this car under my name and soon to be under my insurance policy, that just can't happen. If anyone can help me find a job soon, I would be very grateful. I always wanted to work at a subaru dealership as the boy who washes the cars and waxes lol.
my comment wasnt directed at you either TUX.... it was a generalisation to most of the kids on here who expect everything... at least you are looking to doing things on your own
sell the car... ends the parents right to have a say.. or give them the keys, go find a job somewhere else, buy a beater... live out of home... eventually buy a nicer car... then you will love life more.. have your freedom just not a kickass car for a while
well I don't need a kick ass car or atleast I won't have any pride in it until I actually buy it myself. I hope that $1,000 1987 Honda Civic isn't sold yet hahaha.
Move out. My feeling is a large part of college is living with roommates or at least in/around college. I look at the people who lived at home or went home every weekend.. They hated college. The fun happens on the weekends. Now of course it's a little different story if you're going to a community college, but still I'd move out. Also sounds like you're not gettin paid anything, so just find some crappy classic college job.
i just moved out about 6 months ago. while the parties and the freedom are awesome, the surprising cost of living on your own is really not worth it. EVERYTHING seems to cost more money these days.
Upon further review, sell that car (you can buy another down the road), buy a POS you're indifferent to and live on/near campus (dorms, apartment or college ghetto housing). A huge part of the fun/learning in college is about not being under the thumb of the 'rents.
I might be able to help you with that We are looking for a detailer I believe so come on down and apply. I think they start at $9.00 an hour.
I say its nice to get out of the house, but keep in mind the burden of that car. There are always so many more hidden expenses. If you move and pay your own insurance, rates may go up depending on the zip code too. I would avoid getting into a lease if you happen to get into a pinch or something with this economy. That's what happened to me, and I had to sell my STi not long ago.
does the car define you? Is it the only thing in your life you enjoy? will you actually die without it??? I am guessing the answer to all those questions are NO. I say move out, and learn what it takes to live on your own. if you can keep the car to boot, that is just a bonus. you will learn and experience a lot when you move out and live on your own or a roommate.
I love my parents to death, but I'd take death over moving back in with them. It's going to suck at first, but you'll be happier in the long run moving out of the house. Trust me, there will always be other fun cars out there, and you'll be happier being able to enjoy those without your parents yanking the leash and without being burdened financially by a huge car/insurance payment and not enough money to play with other things. Don't burn the bridge with your parents, but make it clear that you need to be your own person and that you don't want to have them controlling your life. It might be expensive, but I love being able to be in control of my own life. You'll like it too
KEEP THE CAR YOU GOT IT GOOD WHERE YOU ARE.... Just gotta appriciate your situation. sounds like your not looking on the sunny side, tell folks, that you need your space and that your an adult now, they need to respect your decisions. After you draw your personal boundries you will be much happier. explain that they need to pay you, or you need to leave because "if I don't start respecting myself I don't know why you should, so it starts with me" ask for a review from your pops, and surprise him by giving him a review, and explain to him that you are a son not a slave, and that you respect him and expect the same back. Then give him a hug and say " you have to start paying me or I'm going to have to leave"
^^^ +1 I'd say just live @ home and focus on your studies, I wish that I would have put school first instead of struggling to pay bills throughout college. Your parents provide you with a car and a job, so they only expect you to obey them in return. Learn to look at things from your parents' point of view and try not to always assume they are wrong (even though most of the time they may be wrong...lol). Once you graduate and start making real money your life will be a ton easier. Living on your own is great, but it comes with a huge price that may or may not be worth it considering individual circumstances.
i moved out right away after high school... i don't regret it by any means but i was in for a rude awakening when it came to how much it cost to live by myself.... my best suggestion to you is stay at the parents if you can set up some personal boundries with them... and if you can find a decent job don't blow all the money on yourself... throw a lil your parents way for groceries or something... believe me they'll love it and give you a lil more slack.... if you can't live there anymore my best suggestion is to FIND CHEAPER INSURANCE... unless you got rediculous tickets and a bad record, i think your getting hosed
It seems like it is really going to come down to your decision of if you would rather have the independence or the affordability. Each ones has its pros and cons, but that has to be the decision you make, compromises either way, but either option is doable.
i dont think i can stress enough how bad of an idea that is. it is a recipe for hard feelings. what if you cant find a job? and a STi aint a cheap car to properly maintain in the long run. if you really want to move out the car should go. there are lots of older imprezas and legacys for sale out there that are a lot cheaper to own if you want to stay in a subaru. my advice is to sell the car, get a cheap car that doesnt need premium, get a job and start saving money. after you have enough in a savings account to live for at least 2 months with NO income should you loose your job or have something happen where you cant work, THEN move out. oh, and once you get a job start paying on your student loans now while you are in college. even if it is only a 25-50 bucks a month it adds up and will save a lot of money in interest later on in life. i wish i owed $2400 less in loans after i graduated.
Did you miss the part where he's 19 and driving an 06 STI? That sounds about right for that car and that age. Part of the downside of driving a fast car when you're young.
