I am writing this out of frustration. Someone has accused me of not following through- and yet my plans, what I’ve been saving have not change- they are only delayed.
Some time ago I came to the notion that Sioux City was not the place for me. So I resolved to move. I told a few people this specifying “I will move once I have saved $2,000.” This is so that I can afford the expenses of the move plus the next apartment. This has not change. I am still saying this. I will move when I have the $2,000.
Now, here’s the problem that’s causing the delay.
Part 1 is in one word- DEBTS. I need to get a good portion of my debts paid off- especially the local ones. I have $5,000 to $6,000 to go. When I started the debt pay-off (because I wanted to buy a house) I have well over $25,000.
Part 2 can also be summed up in one word- RENT. Every year I get a cost of living increase in January. When June arrives I get a notice that my rent is going up. In and of itself, not a problem- it’s the ratio that is. While the reason (imo – excuse) is different every year the result is the same. The ratio is usually $ 20 / 25 on income vs. $30 to the rent. It’s a two steps forward and one step back scenario.
This year one of the ladies in the office claimed “fair market value”. However, in comparison to other complexes across the area – they are over-priced. The rent rate is now competitive with complexes that offer in-unit laundry connections, heated swimming pools, and workout centers. While my current place does have a pool it is not heated and they do not offer the other amenities. Laundry facilities are in the basement- 2 washers and 2 dryers to each building of 24 apartments. It’s not enough.
There is a light at the end of this tunnel. As I mentioned- I have $5,000 to $6,000 to go on my over all debts. I will soon be done paying on my student loans. And the last of the credit cards will be paid off between December 2015 and February 2016. Even while still paying on the remaining debts, this will put over $200 back into the budget. This will become the savings for the move. IF this plan remains ‘on track’ I expect to have the $2,000 for the move.
As for the actual move – there are several places I am considering. I have not hidden this fact nor is not the first time I have mentioned it. The list consists of
1. Home to Pinellas County, Florida.
2. Cedar Rapids, Iowa.
3. Phoenix / Flagstaff, Arizona
6. St. Louis (I’d like to live here at least 1 year.)
A 7th option has recently been added – the idea of moving to another / cheaper apartment in order to resume my academics at Western Iowa Tech. That is… to at least finish my Freshman courses. That’s 32 credits ( half of the value of an Associates of the Arts Degree). At this point I have 24 transferable credits. So, I need another 8 credits. If I choose this route I will end up being over because the courses are worth 3 credits each.
I admit that this idea is appealing and I did enjoy several classes – which has a lot to do with the instructors- specifically Ms. Lewis, Mrs. Fox, and Dr. Renshaw. Mr. Hall made it easy to understand math- his class was the first A in math I had ever made.
Then there’s my church family at Southern Hills Baptist Church. I would miss them and Sunday mornings. I have learned so much from them.
To highlight I have options and snags- it only means a delay. As I have said, and I will say is again- once I have saved $2,000 I will move.
The only thing that I can fore-see as another delay is if I say “screw this” and buy a car.
I will keep you all updated as this progresses, evolves, etc.