28 and still living at home - going crazy - help

Question

Need some words of comfort - feel I'm living my life backwards!

At 23/24 I was renting my own place as a teacher, but it wasn't the career for me.

Retrained in journalism, which I am loving, but had to take a £10k pay cut, so had to move back to pay off my loan. There's no way I could live off £1k per month salary and hammer my £13K loan with it AND rent - so back home it was.

Really get on with my folks, but I just get so wound up! My job is really demanding and unpredicatable, so finding it hard to get a new social life back in a town I haven't lived in for donkeys years.

I've worked out - if I keep going at this rate, I can pay loan off in 2 years, by which time I;ll be 30 and in a position to either buy or rent, depending on financial climate.

Should I stick at it? Some days I just feel like running and getting a better paid job I won't want to do. Some days I just feel like 2 years will whizz by. The trouble is I live in a town where there aren't many men, and it gets too depressing.

Can't see any way I could pay my loan off sooner as my career doesn't allow a second job. Bank want to see me for a loan review, but can't see how that can make a difference.

Everyone I work with is around 25 and either married/got children/renting own place and I get too depressed. What do I do?????

Answer 1

move in a living community

if u´re not happy there find another one=)

good luck!

Answer 2

Stick it out! The time will go by so fast. And just think by the time you're 30 you'll be able to buy your own home. That will be a great pay off, with waiting for! And if your jobs so demanding it will go by even faster.

Hang in there!

Answer 3

If it is really getting to you ,why don't you look into sharing a flat or house with several responsible adults .I think this might make it an affordable option. Good luck to you.

Answer 4

Sadly in our economies, both in the U.K, and here in the U.S.A. what you are going through is becoming typical.

You have a job you love, so stick with that, as you advance, in your career, your pay will too.

What you need to do now, is get a handle on your budget, it's nice living rent free, but nothing in life is really free. You are paying a price, by staying with your parents, Your life isn't really your own just now.

What ever it takes, scrimp, save, get a second job if possible, get that bill paid off as soon as you can. Cut that two year loan to one year.

Just getting the loan, lower, will brighten your outlook and speed up,  your timeline, for a new life.

It won't be easy, but making a budget, is the first step, see what you can cut out, where ever you can.