Could use some advice.. Moving / P/T work

[Fitguy]

Hi everyone.. is nice to find a frugal forum Am hoping maybe i can get some advice and peoples thoughts on my situation..

Back in May of this year my credit card debt hit 9k dollars and i decided to get serious with my finances.. resulting in selling my beater car and focusing all my extra cash/savings/extra hours on debt..

So as i sit now i have just over 4k in credit card debt.. and as i look at my budget it seems that my rent of $930/month when i take home $1800 a month is a big excess that i can/should trim..

my work is a 1.5hr transit ride away, and the reason i am in a high priced rental is because i live with my gf.. who had originally agreed to share expenses but i have yet to get any help on that front..

my work is just a J-O-B... so my question is.. should i try to find p/t work in my current area and not worry about moving.. with the idea that i will pay off my debt, build some emergency fund and transition full time to work i love closer to where i live..

or move to a cheaper rental closer to my current work, then look for p/t work etc..

i will have to give 60days notice .. and cost of moving will be about $300..

Looking forward to your thoughts!! Thanks!

[khaski]

'and the reason i am in a high priced rental is because i live with my gf.. who had originally agreed to share expenses but i have yet to get any help on that front..'

Is there a vaild reason she has not been keeping her word and helping out with the bills as agreed? Your rent is eating up over half your income- if she can not/will not pay her share, you need to move to a cheaper place.

[Fitguy]

Thanks for your thoughts.. on the gf front, the shared expenses is huge strain on relationship and am giving it till the end of year to see if can work things out... i question the validity of the reasons..

[mateosbaby]

I'd say you need to move and ditch the gf. She's using you... From a woman's point of view...

So yeah, move closer to your job with cheaper rent, &/or find a roommate (that you can trust to actually help with expenses). Give your notice to the apt today (or as soon as you're able to), and save your $300 asap.

[Russ]

Welcome to the forums.

As you can see, we are going to tell you what we think here. Sometimes we can be blunt and straight to the point, but sometimes that needs to be heard by the poster.

In your case, I think you know the GF probably isn't going to help. So if that's the case, although I applaud your effort, why would you take a second job if she probably has no plan to help YOU?

[MaryCarney]

The gf is the primary problem as I see it. But I'd move too. Congrats on dumping as much debt as you have already. Sounds like you are really focused once you have a goal in mind. That will help you a LOT in life.

[Incognito]

You've come a long way already, just by evaluating your finances, deciding on your priorities, and working to achieve your goals.

As far as the gf is concerned: love can be blind, but you need to see things realistically. If you choose to continue the way things are, they will probably remain that way, possibly get even more complicated should there be children to support.
Keep looking for a less expensive place to live that is closer to your work, and talk things through in your relationship, so you know what to expect, and can make your next decision accordingly.

[Fitguy]

Wow, Thanks for all the responses and thoughts .. The bluntness is appreciated!! Is a big help to hear other voices of reason outside my head!!
I guess i've been giving gf benefit of doubt with thoughts of better to hold on too long and have no regrets for myself.. than to wonder if broke it up too early without trying enough..
Thanks again! Time to find a new place closer to work..

[Incognito]

I agree that it is sometimes better to hang on to a relationship to the point where you have no regrets after leaving it. I've been there, and have never looked back afterwards.
You'll figure this out, and something tells me you are going to be just fine!