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Paying roommate back?
I've moved into my first apartment with a friend of mine. She was more financially prepared to move than I was. She ended up paying the rent and security deposit and agreed that it was alright that I paid her back when I get the money. I owe her $512. I get paid once per month, roughly $1200 after I pay rent, my cell phone bill and my car payment I'm left with $545 or so. I was going to pay her back in payments of $170 for the next three months. Then I got to thinking, that leaves me with $375 to last the whole month. I still have groceries to buy and utilities to pay. I want to drop my payments to her down to $100, keeping that extra $71 in my pocket, granted it will take me a bit longer to pay her back, but its not like she isn't getting her money. I just don't know how to approach her about it. I don't want things to become uncomfortable, I just don't think she realizes that only getting paid monthly is really hard.
I feel stuck.
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Just be honest with her. Sit down with her and tell her that you'd like to talk to her about the way that you plan on paying her back for everything she's done for you. Make sure to thank her for everything she's done, too, because that's awesome of her to do!
Tell her you're not comfortable having that small of an amount of money each month, and that you'd like to keep some extra just in case.
Sure, like you said, it will take a bit longer to pay her back, but you WILL pay her back and she WILL get her money, so she'll probably be fine with it :)
-Laura (17-f)
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You have two options: reduce your payments, or make more money!
It's not as awkward as you may think to ask your friend to cut down payments. Just tell her that things are really tight for you right now, and that you need that extra $70 to make ends meet.
You could also make or find more money.
$1200 a month works out to about $300 per week. So chances are you're not working more than 40 or so hours a week. See if your work can give you some extra shifts every now and then. If they can't give you overtime, try taking on another part time job. Even another shift a week can make a huge difference. And after you've paid your friend back, you'll have that much more money.
You can also find money. That means paring down what you have. Cell phone? Cut it down to a basic plan. Go out for lunch once or twice a week? Cut back, and put the extra into paying back your friend.
Personally, I'd take the first route; talking to your friend. If she doesn't like the idea, take routes 2 or 3.
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Hey there,
I can relate to this a little bit, my sister was in the same situation with her friend in college last year,her friends family is very well off and she has a job and everything etc.
my sister felt really pressurised to pay her back and still afford her own nesesicites.
but what she did,and what you have to do is to sit her down and explain the situation,say you have every intention of paying her back but its just a little harder for you as you only get paid monthly,ask her would it be okay if you could pay her back in installments,it looks to me like she doesnt need it all straight away anyway.
it shouldnt be a problem and she should understand if shes your friend,she probably doesnt even realise that things are that bit more difficult for you.
Just make her aware of it.If she suddenly starts demanding all her money at once and putting pressure on you then id say she isnt much of an understanding friend. but I doubt it will come to this.
Im sure you both can work something out =)
Much <3
Jess
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