actually i really don't want to move up north all that much. and i can't afford to swing the rent and utilities etc etc etc PLUS paying part of mom's mortgage on top of it (because that's not negotiable)
as far as a car being a "financial loss", i would think that a car is a bit more of an asset than handing money over for rent - without the option to buy - yes, i would like to get out on my own.
but part of me does not want to be stuck in jersey city should anything happen (job, family, etc).
the point about RHBs... well, any RHBs that are interested should have their own place that i can crash at.
as far as the whole political aspect of one comment... um, not for nothing, but i've been wanting this frigging car for well over a year and a half... i am a designer, these things make me salivate --
i really resent the fact that there was a comment suggesting that i am manipulated by "the gnp/republican political agenda" - i just want to get a fucking car that i actually LIKE, not a piece of shit that i don't need and will despise.
3 years ago my 210,367 mile ford escort's axle broke in half and i had to go out and get my cavalier - which was 3 years old at the time - i didn't have a choice with the car. it was the only one that was available to me because of my credit and the price. while the car has been fine, i want a frigging mini cooper. i don't exactly feel like buying a car i want is not being "grown-up".
i will be giving my cavalier to my mother - whose own car has NO heat, NO A/C, and no windows that move up or down.
i am test driving the thing on saturday and will see how my gut feels that day. if it's cool with it, then i will buy a mini. if it's not cool, then i just let my loan $ sit in the bank.
even though the longer i let it sit there, the less of a chance it will have to accumulate because i don't DO WELL with long-term money ...that and the fact that if i keep the money in the bank, gigglemom will more than likely guilt me into buying new plumbing or a rug or something like that.
for ONCE i want to spend it on me. i can't move. i would like to. but i cannot pay rent AND mom's mortgage. i've tried to figure out a way. even if rent somewhere was $1000, i'll have $350 left each month.
and yes, if you are about to comment "well, move to an apartment down the shore - just get out of gigglemom's" -- well, the rent down here is ridiculous as well (the price of houses is crazy so everyone has loopy ass mortgages.) so loopy rent with mom's mortgage and then the monthly train ticket as well as gas, electric, cable/internet, cell phone, my loan, my storage unit, and what i pay to keep all of my websites running... well, it's a bit steep and i wouldn't be able to do it.
here - at risk of being tacky... but whatever... you all basically know every aspect of my life anyway.
this is if i rent a $1000 hovel in jersey city:
rent: $1000
PATH: $60
mom: $800
storage: $150
gas/elec: $100
cell: $150
loan: $360
cable/int: $120 (approx)
gas/car: $50
food: $300
web: $70
_____________
$3160
this is if i rent the $1450 gorgeous apartment in jersey city:
rent: $1450
PATH: $60
mom: $800
storage: $150
gas/elec: $100
cell: $150
loan: $360
cable/int: $120 (approx)
gas/car: $50
food: $300
web: $70
_________________
$3610 (which puts me in the red by $170... can't live)
this is if i finance a mini - let's say for $570
mini: $570
train: $291
mom: $800
storage: $150
cell: $150
loan: $360
gas/car: $150 (might be less, i am overestimating just in case)
food: $400
web: $70
_____________
$2941
(see, cheaper. yeah i would be locked in for a bit, and the commute may be killer, but still... it's a MINI.)
YES. i could forego the mini and pocket the $570 a month that i would be shelling out for it - slap it into a savings account and then have $30000+ in 5 years. hopefully gigglemom and i will have sold the condo by then and i would have a down payment for a house.
maybe so. that doesn't sound horrible either.
as i said, i am test driving the mini on saturday (unless i snooze in too long.)
so there you have it. the math. the life-sucking soul-sucking math.
hmmmm. just noticed that i said "have 30,000+ in 5 years" --- jeezuz i'll be 40 and i didn't even think of putting it towards a wedding... but then again, according to the comments, i am not desirable if i live in my mother's house.
and i do know that mom's car is going to crap out on her within the year (if not, sooner) and i'd rather have her in a safe car like the cavalier than the 179,000 mile '91 ford tempo.
plus, one reason i moved back in with mom 2 years ago was because she was sick. and now it's worse with the oxygen... not that she's not mobile and going to work, but still, it's a bit on the scary side thinking of her alone
ever see "Only the Lonely" with John Candy and Ally Sheedy? well, i can look somewhat like a chunky ally sheedy but with the mental crap going on in Candy's head... mixed with a healthy dose of "Terms of Endearment"
