Dear Pay Dirt: We both seem to have learned very different lessons from the credit card fiasco.
You can always purchase a used car outright with the $8,000 to $10,000 you would make to replace the 15-year-old car, and then lease another vehicle. This would probably fit your lifestyle and allow you to keep leasing a vehicle so that you can enjoy your current lifestyle while being responsible.I’m the mom of a 6-year-old with special needs; her dad and I are not married but still living together.
If there is no one to take care of your daughter in case of an emergency, you need to get a few things in order. First, you need to start making sure you are maintaining as much of a healthy lifestyle as you can. This means eating right, exercising, and, more importantly, getting adequate sleep. What you’re doing is admirable, but it’s not sustainable, and even you realize that.
You mentioned that if your partner were to get a job, it wouldn’t pay more than one of your side gigs. Is that one of the reasons he hasn’t been successful, re: he doesn’t see the point? Or is there a reason that it’s harder for him to gain employment than others? I might be missing something but not being able to find a job after two years makes me wonder why that’s the case. That extra income, no matter how small, would certainly help lift a load off your shoulders.
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