Moving out from parents house

Oldernotwiser

jennifernil wrote: »

And if his parents are on low incomes then, in Scotland anyway, he would be receiving some non-repayable bursary, and the rest as a student loan to make it up to the maximum.

I don't think we have the full facts.

I assumed that the fact that he'd only borrowed 3.5K in 2 years probably meant that the rest of his money was a grant.

As you say, we don't have the full story.

jennifernil

melancholly wrote: »

i guess i don't think it has anything to do with being 'a student', i think it is all about when the child becomes an adult! personally, i couldn't live at home now without contributing the cost of me being there - it would feel like i was taking advantage of my parents (who have done plenty of looking after me already!). moving in the OH also changes things. i can understand parents not wanting to charge rent while their children are studying (mine didn't and i was grateful!), but they really aren't obliged to do that for a partner!

I don't think there was any intention for the OP to move a partner into his parents' home.

The 2 of them want to et their own place together.

melancholly

jennifernil wrote: »

I don't think there was any intention for the OP to move a partner into his parents' home.

The 2 of them want to et their own place together.

sorry, mis read first post - say they were engaged and living with parents, thought it was the same set! can't imagine being engaged and living separately with parents (which i know is traditional!)..... sounds difficult!

either way, OP needs to realise they have a very good deal and that they can't afford to live away from home unless there is a massive change in circumstances

GlasweJen

The maximum support package for a student in Scotland is about £4600 pa just now, it's roughly half and half loan:bursary - student loan is worth slightly more than the bursary.

We don't know enough about the parents circumstances, in these times one may have lost a job or the OP may be demanding extras that the parents can't afford (broadband is the biggie - my mum and dad wouldn't have the internet if we weren't at home, branded foods, branded toiletries etc).

jp2031

Thanks everyone for replies; Some of you had some questions:
the student loan I get is £250 per month, which all goes to my parents. I dont get any of that loan. The money I use to keep myself going is Grant, £200 per month I get.
I buy my own food the majority of the time, as well as toiletries and do not use phone as I have a contract mobile which I also pay for myself; I usually cook for myself so yea gas included; dad uses broadband more than I do lol, i mainly use the university internet with my laptop (which I got for being a disabled student so no the laptop wasnt bought for me lol)


As someone mentioned, staying in different towns from my Fiancee is hard; which is why we want to move in together. We understand that maybe its not the best idea financially which is why im looking for help and came on here.

I am not a "brat" I said they needed the money as i did not wish to share personal circumstances, (someone said i was "fuming"... I mearly mentioned the amount I pay to display where my money is going... didnt think it would spark such a large debate)

My dad has went to being part time due to being unwell, and my mum quit her job to look after my sisters daughter whom stays with us permanently.
But remember, its not money I have; its a loan; which is why I brought it up. I'm going into debt already. As soon as I hit 18 and left high school, my mum and dad stopped receiving child tax credits? for me, which was £200 per month.

From what the majority of you have said, i agree that I'm not in a financial position to move out i guess; it all adds up... Just, you know... I just feel like I gotta get out of here... I feel like im getting too old to stay with my parents? Im dying to move in with Debbie and settle down and im searching for a possible way.



One posability which has came up over the past few weeks is that I can move in with Debbie and her parents for £200 a month, and I just pay for the stuff I usually pay for. Really considering it, but I dont know how my dad will take it... I have too much stuff to fit in her room; her room is only really the size for one person... but the opportunity is there I suppose.

Many thanks for your replies, you have all helped me

SophieLO_2

Think of your wage and then basically take all of it on bills. Thats how you will be living.

muffin69

You've stated that you really want to live with Debbie, learn to drive, etc but have you considered how this would work?

Driving lessons are not cheap neither is running a car. It costs a bare minimum of £2000.00 to furnish a flat and that's just the basics, gas and electric will be appx 20-30.00 per week and not a month, you will also need to pay for a TV Licence, toiletries & cleaning products, clothing and any social factors eg; smoking, transportation eg buses while you are learning to drive, a car at some point, and going out/socialising, mobile phones for both of you and internet charges.

Can either of you cook? as this will help you to save money on shopping which will cost you at least £40.00 per week.
Do you have satalite TV at home with your parents? you probably wont have this if you move out.
You need to consider if you are able and ready rather than what you would really like, do it too soon and it all ends up in tears.

Would it be possible for Debbie to move in with you or you move in with her?

If you do look to move out and rent somewhere together, ensure you check over all the details in the tenancy, when I rented we had pay key money, an admin charge to the agency as well as other fees, we also had to agree to do the garden weekly, have all the carpets cleaned professionally when the tennancy finished, have the fire swept annually and agree to the landlady coming to check the place unannounced every so often to make sure things were OK, and we weren't students.
Sometimes the grass is not greener.

What ever you choose to do; be safe.

emilyjayne_3

jp2031 -
I completely understand your situation, I'm at uni in Glasgow, still live with my parents and would love to be able to move in with my boyfriend of 3 years. It's not that I don't get on with my mum & dad, I do, I just feel that I'm now old enough to be independant and have my own home. My mum & dad don't ask me for dig money, something which I am grateful for. If they ever needed it I would insist on paying up, but they don't so wouldn't ask me for it. Unlike you, my student loan is £60/mth (the minimum for Scottish students). This isn't because my mum & dad are rich or anything, they simply earn ok money therefore I get the minimum. I work 20 hours a week and earn just over £700/month, so to be honest I have it quite comfortable. My outgoings include my mobile phone bill & mobile broadband, I have 2 cc's (shouldn't really !) so the payments to those, and savings for holidays and going out .
I can drive, I was given some money to start me off on lessons for my 18th birthday by an aunt, and then paid for the rest of my lessons myself. It took me about 9 months to pass my test, and cost an absolute arm & leg ! You need to be aware of this, at £20 an hour with AT LEAST one hour lesson per week thats £80/month. All in all I spent well over £1000 learning to drive, it was worth it as it's something I'll have for life, but I would never off been able to learn to drive if I had my own place.
I should add that my mum and dad put me on the insurance on my mums car, they offered to pay my first years insurance (which I am extremely grateful for, please don't think I'm spoiled). After my first year I will contribute to the insurance. My mum & I take turns in putting petrol in the car.
My boyfriend works full time and earns a not too bad wage for his age, he pays his mum & dad dig money but is happy to. He has his own car and insurance to pay for and does so quite proudly , but it does take a large chunk of his wages.
The reason we haven't taken the plunge and moved out yet is that it's simply not realistic, its a dream and I think about it most days, but I know eventually it'll come and the waiting will be worth it . Theres no point in us putting ourselves under pressure financially until we are comfortable doing so. Also, we are both young and quite enjoy our weekends out with friends ! Which is something we would undoubtedly have to reduce.
Before we do get our own home we want to have plenty of savings in order to buy furniture, pay a deposit etc.

I understand your longing to live with your fiance, but please try to be realistic .
Many people can be quite patronising to younger members on this, and others are extremely understanding and helpful.
I hope i've given you a fellow young students perspective. Good Luck x

ERICS_MUM

Dear emilyjayne,

I just want to say thank you for a positive, kind and mature post. I wish you well in your future aspirations.