I am so scared
I am an over 40 yr old single mom of a 10-year-old daughter. I live in a very modest two bedroom, third floor apartment in a nice neighborhood. It's comfortable, affordable, and safe here. Well, my landlord is selling the house. I am so scared that new landlords will raise my rent to be unaffordable, and I will have to move. There is no cap to how much they can raise it in my state. The rents in this area (and pretty much everywhere in my state that is decent to live in) are astronomical. I feel so grateful to have had this affordable rent here for so long. I've been here for 10 years and it's been our home. My daughter goes to school right across the street. I just have a feeling I'm going to end up somewhere I don't want to be. In some shitty neighborhood. In some shitty apartment. With some shitty school system. I want to buy a house so that we can be more stable, but I don't know how I'm supposed to save up for a down payment. My credit is fair. I always pay all of my payments on time, I just don't have a ton of available credit. Working on that. I feel like I made such a huge mistake opening those credit cards. I think my credit would need to be better to get a mortgage or even rent an apartment. I don't even know if I will get approved for either one. It seems like rentals all want excellent credit and 3x income, after taxes. With the rents this high, there's no way in hell I'm ever going to be able to do that. This is all just so scary. My parents are not in a position to take me and my daughter in. My dad is mentally ill living in his run down home that is unsafe for children. My mom is retired in Florida in a 55+ community. I have no one that I can count on for help. I am supposed to be the fucking grown-up here. If my daughter has to go live with her father because I am homeless, I will just die. I receive child support, but it is not much. I make too much money to qualify for any assistance, but I don't understand how I am supposed to survive on one income for two people ($56,000/yr). I want to get a second job, but my energy is already spread so thin and I live with chronic pain as well. It's just so fucking hard right now. My heart is breaking. I knew this wouldn't last forever, but I don't want to have to leave here. I'm trying to focus on the present because I'm still here, but it's so hard not to be so terrified about what the future holds. Please be kind. I'm already so sad and confused.
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