I need advice on moving out.
Hey y’all, I need some advice and I don’t really have any social media so this is the only place I can think of. A little background Sorry for the long post in advance.
I’m 21 years old and my boyfriend of 7 years is 22. I was kicked out of my family home at 18 years old. My boyfriends parents took me in. I pay his parents $100 a month just to put in something because I don’t want to seem like a freeloader. My bfs parents are very emotionally abusive to my boyfriend and there’s been many occasions where they’ve gotten into big fights, then even kicked my boyfriend out at 18 years old (before I moved in) because he didn’t have his monthly payment for them. He lived with his brother paying “rent” for nearly 8 months before his mom asked him to come back to save himself money. So we’ve been living there for about 2 years together. We stay in our bedroom but do our part but there isn’t much we can do since his mom is a SAHM so she cleans every day and cooks and etc. So when I can I wash dishes or clean up the bathroom or kitchen when I can but since we are always at work we are barely ever home except for at night and our 1-2 days off a week. We haven’t saved much money. His dad charges his $300 to live there and I’m paying the $100. My boyfriend is a mechanic, those of you who know someone in this field know that it’s expensive to work because you buy your own tools, he pays about $250-300 a WEEK for his tools since he has different tool dealers. He was getting paid $15 an hour paid on flag rate and usually made about 40-60 hours a week. He recently got promoted to making $16 an hour flag, to a heavy line technician. Now he’s averaging about 25-30 hours a week due to no work coming in. His checks are about $400 now. Maybe a little more maybe a little less. So it’s hard to set aside money when it’s all going to his tool bills, gas and rent for his dad. I make $14.28 an hour as a manager at Tom Thumb, I always do 40 hours a week never more because I’m “not allowed. My checks are usually $480 a week. I pay my bills every 2 weeks $280 for my phone payment phone bill, car payment, car insurance. I can usually save but my boyfriend always ends up needing help with his bills because his checks sometimes doesn’t come out enough. Right now we have about $700 saved. Yesterday his dad told us we have until the end of the month to get out of the house all because my boyfriend forgot to put gas in his truck. ( my bf drives his moms truck because someone hit his car outside the house and drove off and we can’t afford a new one) we don’t have anything saved to move out, but and we not have anywhere to go. My credit score is fair. It’s 704 on FICO and 651 on Credit karma but I have no credit history I only have my car payment and a bed. So I don’t have much debt.
My boyfriend on the other hand has horrible credit. His FICO is around 551 and Credit karma is 542. When he was younger, he got a credit card but no one told him how it worked so he ended up with a charged off account. Eventually when I found out I got him to pay off the balance. He also has a open account with Helzberg diamonds where he bought a “gold chain” dumb I know but I didn’t know he bought it until it was too late, I helped him make monthly payments on it for about 9 months until we took it to a pawn shop to see how much it was actually worth since it cost about $3k at the jeweler. Turns out, it’s worth nothing, it’s not real entire gold. When we tried to return it to the store they wouldn’t take it back because return policy ended. We contacted the credit company, the manager of the store the complaint themselves and “they wouldn’t sell fake gold” so now that’s on his credit as a closed and delinquent account. He also has a 2016 truck he opened 4 years ago and he was making all payments on time through a 3rd party, and then that 3rd party stopped paying Toyota and kept his money and that company closed, but didn’t return any of his payments so it showed delinquent until his dad took over the payments and took away his truck and gave it to his sister.
So basically, we have nearly nothing saved to move out, he has bad credit and a low income right now. We live in a suburb of Dallas Texas. Most places are 790-1000 for a 1 bedroom. If I didn’t put him on the application I still don’t make 2.5x/3x on my own. I don’t know what to do. We have no where to go, we have no money and we have until the end of August to leave. I need advice. I don’t want to leave him because he’s a “financial burden” like I’ve been told by friends. I also need to know the amounts most people pay for electricity and water and stuff, I’ve looked into all bills paid apartments but there’s no availability and I can’t waste all my saved money on applications just to get denied. I’m stuck. I can’t go back home, literally. ☹️🥺
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