Capital Furs

dear younger (up to 22ish) people on this website

i have the best advice possible for you. really, the best:

IF YOU POSSIBLY CAN, MOVE BACK IN WITH (OR STAY WITH) YOUR PARENTS.

move back in. stay longer. whatever. pay off your OSAP.
PAY OFF YOUR OSAP. ALL OF IT.
got a visa balance? big? little? doesn't matter. pay it off.
paying off a car? STAY. own the car sooner.

pay off everything you owe before you even BEGIN to POSSIBLY even THINK of moving out.

this will save you hundreds of dollars a month, and literally tens of thousands of dollars over the next few years. i am not exaggerating these numbers.

hate your parents? fuck it. stay. do you hate them enough to give away TENS OF THOUSANDS OF DOLLARS?
think they don't respect you? fuck it. stay.
think they're playing favourites? fuck it. stay.
can't express yourself? fuck that shit. stay.
walls closing in? feel the urge to leave the nest? FUCK IT. STAAAAAAYYYYYYY OH GOD STAY.
it takes much longer to make ten thousand spare dollars when you have to buy all your own food, hydro, mops, soap, water, socks, everything.

please guys, please. take this advice. i too felt the walls close in, and moved out with my girl. fun. kind of. but oh my god expensive. and i might as well have not paid much off at all over three years i made payments.

also,

save up money before you move out.
SAVE UP MONEY BEFORE YOU MOVE OUT.
this will prevent heart attacks and emergencies. there will be plenty, trust me.

i know life is supposed to be fun and wonderful guys. i know there's supposed to be more than money. but, unfortunately, its 2009, SO THERE ISN'T REALLY ANYTHING BUT MONEY. everything is connected to it. everything. everything. so having more of it sooner helps.

so in conclusion: no matter how much you hate your parents, house, town, whatever; keep living with your parents. pay off, save up.

But but... what if my school is in another country... ohhhh the commute would be horrible!

Joking aside, I tend to agree Ramses above. If you can, stay! Jobs may seem to be stable and like you're safe but with things as bad as they are things happen. I especially if you're in school. You can save up to properly move out eventually anyways, actually look for somewhere nice and not some dump. I'm living at home and will be at least for another 2 to 3 years. All this considering I'm one of the few lucky to have his schooling paid off for all 4 years (saved up for a LONG time and investments before the market blew). Why do I stay then? Save up more money, school is making me broke... slowly. Pay off all your debts, seriously.

Guys do it, at least for now... till things pick up and you know you can hold a truly stable job.

Lawl, I'm shameless about it.

I'm paying for school without the help of loans so the fact I get food for free (though I help out and buy food over the course of the week for everyone else as well) and only $100 a month in rent makes it possible for me to have a University education without crippling student debt.

Sometimes it's best to just swallow your pride and do what you have to do to make sure when you CAN move out, you aren't in a position where you're struggling just to make rent.

Even the 10 year olds I volunteer with understand it once you explain how living with your parents isn't the end of the world... I mean... if you're 45 and still living with your parents, that's a little sad, but it's a different world nowadays... an 18 - 20 year old isn't as financially capable of doing as much as they could 20 - 25 years ago.

As long as you're working towards bettering your life and preparing to be on your own, I don't see anything to be embarrassed about by staying at home a few years longer than some of your friends might.

I concur, the money really builds up. I go to school in another city, so I don't have much choice where parents are concerned but I'm lucky to be splitting with four other roomies so the rent is bearable.

Can't say the same for my OSAP loan though... whew. It's a steep one.

Fly free. If your parents are anything like mine were, I have one free piece of advice.

Run.

Anything is worth freedom.

I agree and disagree at the same time lol I moved out early cause of the whole not being respected, walls closing in, not being able to be myself, etc,etc,etc and it was great at first, but then yah shit gets hard after awhile. Furtunatly fur me, things get better between my parents and I and i moved back home. Now i got like NOOOOOOOOOOO expenses and its great lol. So, long story short, do what u feel is right. Everybodys journey is different and its the journey that makes life interesting

I stare out the window on the journey of fate and stare at the yellow dotted line on the road of life.

And I currently work at a bathroom stop on the highway of destiny..

I moved out when i was 17...bad..bad choice. x.x

definitely stay at home..so worth it in the long run.

Well... either that or have enough confidence in yourself and your abilities to take a leap towards something better for yourself. There is nothing wrong with going through hardship to obtain what you want.

Grow some balls and step outside if you don't like what you see inside. Just be ready to deal with it. And if things don't turn out how you expected them to, stop bitching and keep working as hard as you can.

Fuck... maybe you'll be working yourself like a dog just to pay back depts and loans, but you'll be actually living and gathering experiences, rather than just relying on your parents. Sorry Ramses, I love my parents, and they love me. They gave me freedom, security, shelter and everything a kid could possibly ask for. But there's no way I'm trading my own life to live under the wing of someone else. Especially not after having tasted the beauty of building my own life and career. I now know I can manage my life; I provide my own security, freedom, shelter, etc.

Pooshie wrote:Well... either that or have enough confidence in yourself and your abilities to take a leap towards something better for yourself. There is nothing wrong with going through hardship to obtain what you want.

Grow some balls and step outside if you don't like what you see inside. Just be ready to deal with it. And if things don't turn out how you expected them to, stop bitching and keep working as hard as you can.

Fuck... maybe you'll be working yourself like a dog just to pay back depts and loans, but you'll be actually living and gathering experiences, rather than just relying on your parents. Sorry Ramses, I love my parents, and they love me. They gave me freedom, security, shelter and everything a kid could possibly ask for. But there's no way I'm trading my own life to live under the wing of someone else. Especially not after having tasted the beauty of building my own life and career. I now know I can manage my life; I provide my own security, freedom, shelter, etc.

This, pretty much.