I just discovered badassity a month ago and this is my first sign of life in this place, so here goes... something.
I need a lot of advice. I'm a single mom who moved closer to the relatives of my son about 1.5 years ago. I quit my job as an IT system administrator and thought getting a new job would be easy. The opposite happened and I will most likely loose my unemployment benefits in 6 months and go over to social services (which is way less). I do have some alternative income generators in mind though, but it may not be enough and will take time to develop.
Anyway - I purchased my apartment when I got here and pretty much got more in debt than banks ordinarily gives. I love my apartment, but then I slowly learned that my upstairs neighbor is a psycopath who knocks hard on the ceiling day and night. 24/7. I'm in hell. Long story short, a person is free to destroy other people as long as they don't use physical violence. Having a baby is a dream compared to the amount of sleep I get and the amount of pills I take daily to survive will increase. I need to get away from this person badly, but my options are... none. Renting will results in me loosing about 480 usd a month and I'm completely unable to deal with moving again so shortly afterwards. There is no help from my sons family except for babysitting. I'm alone, all alone.
I have a credit card debt of 1440 usd (tried to sound proof the bedroom ceiling, but it turns out you can't sound proof a psycopath away). I just got debt from taxes: 1560 USD. Student loan (which is the cheapest loan here in norway): 7440, apartment debt: 180 000 usd.
Right now I'm kind of working through some government deals, but I don't expect that job to turn into a real job (very small firm who just like free help).
Can I afford the electric bike which costs 960 usd (it's on sale now and costs 120 usd less)? If I don't get the bike, I will not cycle my son to kindergarten (7 km one way with ups and downs). It will not happen, but if I get that bike I will completely rock it. Love every moment of it - cycle longer than well, ever and love every minute of it. If I get an "ordinary" bike, I will not cycle it to kindergarten. Any pressure on your part telling me it's too little badassity not cycling to kindergarten will fall on death ears. I will not hear you.
I don't know what I should do.