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How do you move w/ no money?

post #1 of 34
Thread Starter 
The title says it all. We NEED to move because our current home is making us sick (environmental factors). We needed to move 6 months ago, but we barely break even every month. We have no credit cards. We do have a car payment, but we can't skip a month because if we go over 30 days late they freeze our checking account. We are always 15 days late on it. We can't get a loan or borrow from family or friends. Everyone is struggling. We don't know anyone here that we can stay with. All of our friends and family live over 100 miles away. And I am working hard to find a job to work around my DH's so we don't have to worry about daycare or put my oldest in public school.

I know that we NEED to get out...I'm feeling pretty darn miserable over this issue as is is.

Any and all suggestions are welcome.
post #2 of 34
Do you own your home or rent? Just wondering if you need to sell your house or if your lease is up on a rental.
post #3 of 34
Thread Starter 
We rent on a month to month basis. The rent is very discounted. We pay 400.00/month.... rentals for a 2 bed/1 bath apt. in our area start from 650.00 - 700.00 with deposits starting at 200.00...and that is with good credit. Our credit is questionable, as we've made some mistakes in the past and I made some terrible money decisions after my second DD was born. Never trust a mom with PPD with money! Of course, my DH didn't catch on until I admitted I had a problem then he realized he missed all the warning signs.... I wish we knew about Dave Ramsey's plan when we first got married *sigh*
post #4 of 34
Just a thought. Have you looked for any apartment manager type jobs? You might be able work for reduced rent and actually have a nice place for $400? Your credit issues might be a concern, but maybe not?
post #5 of 34
Honestly, it isn't even worth worrying about the details of the actual move, until you find a place to rent and save up a deposit.

What I am hearing is that you need to find a place you can rent for 400$ or less a month. Then you need to save up a deposit of 400$-ish. Right?

So first, the deposit. Do you have a plan for this? Do you need help thinking of ways to save that up?

Second, it sounds like you are going to need to look beyond just regular apartment buildings since you need really low rent. I would look at renting a few rooms in someone's house, or sharing a larger house/apartment with another family, or as a PP mentioned, some kind of job that gives you discounted rent. Some churches around here have apartments that they rent out for pretty cheap (usually to church members but it doesn't hurt to ask). Send out an email to local friends and ask if anyone has thought about ernting out their basement to make a little extra money.
post #6 of 34
Do you have anything you can pawn or sell? Even down to wedding rings if desperate.


Do you expect a tax refund? You might have to wait until then.


Have you talked to Salvation Army or Catholic Charities to see if they can help at all? Usually it's rent assistance and not moving/deposit but you never know.




Good luck!
post #7 of 34
I'm not really sure it's possible... With no money, you have no money to rent a truck, pay a security deposit (gas and electric may require one too), pay for all the misc. expenses you will face.

Do you have a place in mind to move to? Will your dh and you be able to find work there? Is there anything you can do at home to bring in more money? Have you gotten rid of every unnecessary expense?

You really need a plan... Just deciding to up and move won't work unless you know where you're going, how much money you'll need for security deposits, truck rental, gas, boxes, etc.
post #8 of 34
Pertaining to a security deposit, did you pay your current landlord a deposit that you can expect back when you move? If so, it may be a simple case of transferring the money from one landlord to the other. If not, depending on your financial need, there are programs to help families with security deposits. Also, some landlords will accept payment arrangements when it comes to security deposits.

I've actually had the best luck with "word of mouth" rentals. For instance, I rented a place very cheaply after some friends told me they were moving out and recommended me to the landlords. I've also rented from landlords who don't advertise but only put the word out to people they know. That's how I got my current and former (very affordable) apartments. You might try talking to people you know and letting them know you're looking. Networking is a great tool. Also, when you go through people you know, credit checks are usually a non-issue (at least in my experience). Keep in mind that some landlords provide free or cheap rent in exchange for yard work, errands, part time caregiving, etc.

If you are expecting a tax refund, that could be an excellent time to either move or at least set aside money for which to do so. But I would start looking now.

As for the actual move (providing it is local), a friend or two with a pickup truck may be all you need. You can get boxes from FreeCycle, as well as grocery stores and liquor stores. And I'm pretty sure utility companies send you a bill after turning on your power, etc. And they are often willing to spread out the hook-up fee over several months.

The best of luck to you. I truly believe that where there is a will, there is a way.
post #9 of 34
i realize it's making you sick, but the best option i can come up with is to wait for your tax return, and then use that money to move. Just take it, use it to put down security and rent on a new place. If there is any left over, then pay off bills, etc with it. That is 4 months away though, if you file ASAP next year. But..then again...it would probably take you 4 months to save up any money anyway.
post #10 of 34
Quote:
Originally Posted by bobandjess99 View Post
i realize it's making you sick, but the best option i can come up with is to wait for your tax return, and then use that money to move. Just take it, use it to put down security and rent on a new place. If there is any left over, then pay off bills, etc with it. That is 4 months away though, if you file ASAP next year. But..then again...it would probably take you 4 months to save up any money anyway.
I agree. That's the way we've moved every single time (and we've moved a LOT).
post #11 of 34
You mentioned that your rental is making you sick (environmental) are these problems code violations? If so you are entitled to a healthy living environment and I would venture that most states/counties have rules pertaining to the quality of environment.

Are there are rental assistance programs in your area? Such as section 8 or another type of program that might be able to help you move into another place with deposits and such? If you are receiving any type of food assistance such as food stamps inquire with your caseworker about any assistance that your state might offer. In our state FS reciepients can apply for a one time grant for housing assistance for substandard or displaced families. Worth looking into.
post #12 of 34
Depending on the economy in your area (you didn't mention which country/province/state, etc), there are sometimes apartments that will let you move in with 0 down (like, first month free with a 13 month lease, etc.).

Salvation Army and Catholic Charities and some churches might have budgets that help families through those things (don't have to be Catholic or religious).

If you can find a basement suite (or apartment?) that has utilities included, it would be much easier since you wouldn't have to hook up your own utilities.

Next, our friends usually move with a moving party (ie. hold a party, invite
all of your friends). If you can afford a moving van rental, great, but if not, perhaps your friends can all use their own trucks/minivans/vehicles and you can pare down as much as possible. Just figure out a way to feed all of your helpful friends that day, whether you make pizzas from scratch, supply bagels, cream cheese and snacks, lots of icy water or whatever you can. We always have plenty of children helping, too, and I find it pretty amazing how helpful they can be, even little ones.

Freecycle, Pennysaver, Craigslist, etc., are all good ways to get free moving boxes. Or stop by any large area bookstores and ask for boxes.
Our local Barnes & Noble always gives us a stack, whatever they have
in the back, and then they send us out back to their cardboard box
recycling bin. Those are great boxes, too.
post #13 of 34
I recently learned that missionaries from the LDS (Church of Jesus Christ of Latter Day Saints) church in my area (literally across the street from my now former condo) move people for free. When you're ready for that, find out if there are any in your area who can help. Where I am, they did not have any trucks, but helping hands. Even when I saw them (the missionaries) on moving day (we ended up not using them), they were willing to help us get the stuff all organized once we were in.
post #14 of 34
So maybe this has been answered and I missed it but.. How far are you moving? A couple towns over, another state? Do you have work lined up in your desired area?

I personally would be more sick over the thought of moving without any type of safety net in the new area. That would be my first step, find work in the new area and scout out possible apartments/rentals in that area. Then I would begin thinking about the logistics like the actual cost of moving.

If you have all that in place then I would look into reducing expenses in anyway possible (food stamps,etc.). As for bringing in more ,I know a lot of call centers have a difficult time filling 2nd and 3rd shifts so maybe you can look there for a part-time job or you could do home daycare (even just one child a few days a week could bring in an extra 2-300/ month...I pay $320/ month for my son to be watched 3 days /wk)
post #15 of 34
You've already gotten some good answers, so I don't have too much to add, but the pp that mentioned looking for an apt managment type job reminded me that my MIL used to work at a self storage facility, and she lived in an onsite apt rent free utilities included, plus a small salary for manning the office and keeping an eye on the property after hours. Not an ideal situation, but if it's an option, it might be better than living in a sick house.
post #16 of 34
Thread Starter 
We will be moving to the town next to us. This is a good thing. My DH commutes to work and school, play, and church are in this this town. All things considered, the economy is decent, but pt work has been hard to find.

We've cut back a lot of expenses already, and I'm looking to see where else I can. Moving into town will greatly reduce some extra expenses by close to $200.00.

I am deft checking out free sources for boxes. Good ideas!

Right now I am in shock. We were told tonight that we have to move by a week from this Saturday. Seriously, this sucks! So, we are doing the unthinkable and all money that would be used to pay bills will be used to move. That's not a lot, and I still have food to buy... we'll manage somehow.
post #17 of 34
Hope it all works out, mama! With any luck, you'll find a small but charming (and healthy) place and a friend with a vehicle will swoop in. Don't feel bad if you need to get food stamps or go to a pantry... better to do it sooner than later so you actually have a chance of getting everything else paid!
post #18 of 34
What are these environmental factors? Is there any way you could have caused them? Certain factors could actually mean the landlord is responsible for moving costs. Do a google search on the laws in your state regarding minimum habitability.
post #19 of 34
Thread Starter 
MOLD! And a lot of it. Which is why they don't want to use the basement. It's also on the window sills, bathroom wall (just noticed it growing there), and under the kitchen sink. We've been trying to save to move because of this, and they know it is there, but never did anything to help control it.
post #20 of 34
So, are you being evicted? I don't understand how you can be told to move on such short notice? It seems that as tenants you should have some rights here. Is there more you can add to the story for clarification?

In you OP, you mentioned that you were trying to keep your oldest out of Public school. Do you homeschool, or private school? I couldn't quite tell.
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