how can i own a house , sice i live from paycheck to paycheck, my kids need a good home one day?
358894
If you're living paycheck to paycheck you need to do one of two things (or both);\n\nA.  Get a better job (learn a  skill that pays more).\nB.  Budget wisely. It's not that hard.\n\nYou'll be giving your kids the best lesson in life; Taking personal responsibility for your circumstances & doing something to improve them.\n\nGood Luck!
719729
Do you own a  home or rent, own a car or public transport, pay utilities, or are utilities paid with rent, do you eat alot, or a little, do you consume only name brand, or are generics just as good? These are the types of question you need to ask yourself and your wife. and keep rolling from there. How much money do you spend each month? each week, each day. How many bills do you pay for. How much in student loans do you owe, do you have a payment plan, add that payment, plus the car insurance plus the gas used plus the rent/mortgage, pluse insurance there, plus utilities, plus food, plus activities, plus clothes, plus contingency(accidents and emergencies) plus smoking?, plus you can get it from here  (dont forget about the child's expenses) Add all that up, and see how much a month you pay out, figure out how much you need to add to savings, be it 200 a month, 500 and remember to be reasonable. Basically find out what you pay out, what you need to reserve and then match that or beat it with a higher pay. Look at what your skill level is and what the demand for that skill is in your area, that will also help to determine whether or not you will get what you want, or if you need to move  =-)
435656
I see the appeal of every situation, here.  Living with your parents translates to very low living expenses.  Keeping your job means good income.  Buying  house builds equity for you in the future, and "locks in" your monthly housing payment...the bank won't ever raise your rent.  Finishing your degree can lead to more financially rewarding employment.  What if you could do it all?\n\nIf you kept your job and bought a house that you could just barely afford on your current income (and right now is an awesome time to buy, since there is very reasonable loan money available, still, and the housing market is down in value a bit), you could continue to live with the 'rents for the first 3-6 months while you spend your spare time painting, etc. to get your new place just right before you had to live there.  Ask anybody who has spent the first year living in HGTV wannabe chaos how much they wish they could have done that.  Make sure you get a place with 3-4 bedrooms and 2+ baths.  When your friends see your great new pad, you're going to find two of them who would love to live in a place that nice, and this is where the magic begins.  Assuming you've bought a $175,000 house (the market is wildly different in different parts of the country, so the math will be different, but you'll get the idea), you're looking at a total if maybe $1,400 for the payment with taxes and insurance.  Now, out of your pool of friends, there are going to be at least two of them who would love to (and are cool enough people) pay a mere $500 to live in this nice a house (as opposed to living in some tiny apartment).  You're now living in a $175,000 house for $400/month...kinda.\n\nRather than entering that money into the general income stream, put that $1,000/month away into a new savings account.  Even if you have to "raid" the cookie jar for those occasional end-of-the-month emergencies, you'll be socking away $10,000 a year.\n\nMeanwhile, take just one class per quarter while you keep your current job.  If you can commit to 2 years of this, here's what life looks like at the end of that time:\n\n*You own a nice house (well, actually the bank does, but you know what I mean)\n*You have $20,000 in your education fund\n*You have all the College credits you already earned, PLUS you've gotten 8 quarters' worth of those pesky History, or Math, or English requirements out of the way.\n*You're ready to take on a part-time job, and now only have to deal with your core classes for your major full-time because your housing cost is $400/month and you have reserve money to dip into.\n\nYou'll graduate ready to take that first job, and be able to live, alone, debt-free, in a nice house.
243896
why depent on the rents. why not be independent and buy it yourself. Even if you're not old enough to work, you could still find chores around the house or neighborhood to do. I'm sure you can find someone who needs help. i'm not saying this to be mean, but you'll feel proud of yourself like you've accomplished something you really wanted. Start taking the money you earn, and save it. In no time i'm sure you'll have the phone you want. And you'll feel much better about it, because you know that you worked for it, and payed for it yourself.
1143673
My word.  That is a lot of people and stress.   Is it possible for you to move into a place away or maybe down the road form your relatives, just to get you out of the chaos?  There are usually places that offer low/reduced rent for fixed incomes.   Maybe your children can do things to help around the house so when you come home you have some peace and don't feel like you have to race around and clean, cook, do laundry etc.  Good luck.
27832
It is a very tough situation. And sadly there are no easy answers. I'd would at least try to speak with your children on the phone and see how they are doing.\nTry not to be too picky with work, and if you do get a job try and get at least a used car; yeah I know about used cars but if you are in a tight situation including $$$$$ then you should go with what you can afford. \nIn regards to living samething start small and then work your way up, rent or room-mate with someone for the time being.
106283
They can buy a home the same way everyone else does... put money down, get a mortgage, or a combination
1050633
You can *not* do anything you want, but you are free to *aim* for it!\n\nSet yourself three or four goals, things to achieve in five, ten, twenty years. Reasonable goals. Not easy ones, but one that you might be able to achieve, give or take a little luck. \n\nWrite them up and regularly take stock how far you have come, what needs improved.\n\nOne of my goals was to own my own house.   Paid off and all.\nDone!
360924
See about refinancing if you own a home, or work more than \none job. Sometimes sacrifices have to be made to make things\nbetter.  It' not fair that your kids had to do without your\nsupport. If you're serious, look at finding a grant to help you get back on your feet.
279306
If you want an apartment and live on your own you need to first learn how to make a budget.By making a budget you will not only know if you can afford an apartment but when you will be able to buy a home.Check out a book called "Financial Peace" written by Dave Ramsey.It will explain it all to you much better than anyone can describe on here and it will also give you tools for your future...
300324
Depends on many things. Where you live there, your live style etc... But be careful. You can be a good parent any where by setting a good example.
851555
Start with a file cabinet and organize your bills. and etc you will always find them when you need them.\n  Make a cook book , by typing all your recipes into the computer and copying them , give them to your children or Friends for a gift. Add poems or stories of you growing up make it personnel. You can make it small or big it all depends on you. Get fancy copying paper to jazz it up..Clean out your closets and give it to the poor,
1151433
well first of all  i would  buy  myself a home  i can call my own a home  where my kids can   be happy in and  not ashamed  of , then ill take  some of the money and  put into a savings acounts  for my  kids , then ill take and  have my moms house repaired , then  ill pay off my  bills  even pass bills , after that  ill  buy  mine and  my  hubbys   burial  plots so that my kids wont have that  burden when  hubby and  i do pass on , then ill  doante some money to diffrent charities  or orginitations that help kids and single parents get back on there feet , another thing ill do is  open  a family bussness so that   i dont have to  struglle making ends  meat etc  , or my kids , there is so much  that i can do  and  i would like  to do  if  i had that amount  of m oney  but the most important thing  i would say  for me to do is  give  so much to each of  my  kids so that they can  get there  own homes when they get older and  also   go to the college  fo there choice  , then   buil d me  my  home repair  my  moms and   pay  for   burial  plots and  funeral services etc   of  mine and  hubbys so  kids wont have to worrie  bout  it then  donats atleast   10 thousand  to a charity
973404
The thing I want the most is to stay at home with my children and raise them (which I do). Financially my hubby and I had to sacrifice not having the newest or best gadgets or clothes or car so that we can give more to our family. It is very much worth the sacrifice.
254864
You could go around in you community and look for or you can online and look up house payment system and it will give you a lot of houses in your community and go from there.
1157906
yikes, good question.  \n(1) set up a college account (or pay off their college bills) for our 5 grandkids\n(2) buy one of our daughters her dream horse farm\n(3) set up my dad with full time care AT HOME versus the alternative. He so wants to be independent and we want to give him that.\n(4) I love our home and life, so wouldn't want to change that - but maybe do some minor upgrades here and there. We have cars that are not great, but are all we need.\n(5) we have some priests that are very special to us - we would want to give them money to work on their special projects (seniors, youth and missions in third world countries)\n(6) put the rest in a cash producing income fund so we can grow old comfortably (not in luxury) but be able to not have to worry about waiting for retirement checks to pay bills
392214
First I would make sure my kids would be set for life, then I would build me a nice big house in nice quiet place, with lots of room to intertain.  It would have big yard, pool, nice deck.  I would also travel a lot.  I would also give a nice big donation to our school, it is having a lot of financial problems.  I would help a few people I know out, give some to all my family, and make sure I have invested so will be able to live off interest.