It's not that I can't pay the bills, it's that I need to save up right now to fix the roof, paint the Cutlass, etc. I need to work more, but that takes time away from school. Plus, it's hard to concentrate with all these projects around me. I don't want to move because I get in state tuition rates which are about 1/3 anywhere else ( about $1,000 per semester with books). Plus, here I have a support network of family and a few friends. When you have a lifelong history of major depression, being alone is not a good idea. I also know how to live cheap here in ways that only local knowledge can bring you. It will be easier for me to live with fewer distractions which is why I am thinking about selling off the crap I don't need. While I could work less than I do right now and still pay the minimum bills, I need to build up a cushion in case everything falls apart economically, the truck's engine chucks a rod, car accident puts me out of commission, etc. I am just thinking about this to make everything simpler and easier on me. You have no idea the chaos I have due to a number of things. It's chaos of my own making, but it's still chaos. I do have alternate strategies mapped out for staying here should I so choose, but the money saved will be eaten up by skyrocketing utility rates that will hit in January (150% higher water, 25% higher electric). I also have mediocre credit that I have been working on (it used to be catastrophically awful, like around a 500!) so that when things improve for me I will be able to make it better. Right now I wish I could get a refinance on my house and drop the interest rate as it is pretty high. Unfortunately the trouble in the subprime market means that I don't qualify since FHA is all I can get, but my house's need of repairs means the LTV will not conform to FHA's requirements. Had I had the credit I have now a year ago I would have had my pick of lenders wanting to do business with me on a 30 year fixed with around a 6.5% interest rate. Now, I can't really get anything. Even people with 720+ scores can't get loans. So, I may end up staying in the house because I can't sell it anyways.
Also, I can't afford the taxes in a state like New York, and I don't want to live where I have any kind of vehicle inspections. My total property and school taxes here are around $500 a year. In New York it would be far higher. There is a state income tax in NY, but not in FL. Plus, the high cost of heating a house in winter would bankrupt me. My current month's electric bill is $71, and the highest it was this year was $120. Heating oil would easily triple that. Then there is the price of Gas which is about $1.91 a gallon right now. A friend of mine in Binghamton NY pays about 30 cents a gallon more than me. I think he also pays around $3500 a year in school and property taxes. We also have a 7% sales tax where I live, in NY it's quite a bit higher (8%?). All in all it is cheaper to live in FL than NY. (BTW, I am originally from Poughkeepsie, NY)
Reading all these posts probably makes me look like more of a mess than I actually am. All I have to say is you'd have to know me for a while to get me ( even then, a lot of people don't). I haven't got too many friends, but those I do have are VERY loyal to me, with two of them considering me the best friend they have. I'm probably nothing like what people think by reading these posts or my blogs. I omit a lot of info that may hurt others or me, or that I consider extraneous. There simply is not enough space to explain all the details.