I’m sorry you are in this situation.
- So you have an apartment you can’t/won’t leave.
- You don’t have a car
- You have a dog and medical bills
- Your monthly income is $800-$900 and it is a job you can’t/won’t leave.
So you are trapped by your own circumstances and desires. But being trapped is a terrible reason to stay in a relationship. What would I do or what would i recommend to my daughters (or sons for that matter), if they found themselves in this situation and I was in no position to offer any help?
$800/month is not full-time. If you are working 160 hours a month, even minimum wage would give you $7.25x160 = $1,160 month. Social Security and Medicare taxes would be 7.65% of that or $88.74. So you would be taking in just under $1100/month if you worked full time at minimum wage.
So, I would find a second job. I would save every penny from that second job to improve my situation. When your financial situation improves, then you can look for apartments and roommates that are close to your job. If you are closer to your job, then you also have more alternatives on how to get there. Car pooling choices expand, public transportation options would be easier - even riding a bike might be doable if you lived close enough.
It won’t be fun - and it won’t be easy. I don’t think you mentioned how much your medical bills are, so i have no idea how long it will be for you to pay them off. I also don’t know if you could find some state/federal programs that would help you pay for part or all of them.
You may have to stay in your current situation for a while until you can get yourself on your feet. But you can have a plan. Even if you and your boyfriend stayed together ultimately - I would say you should do so from a place of independence.
Are you in a large metropolis? If so, there may be options for finding roommates in a number of ways. Is there a church near to where you work - that you could post such things on a bulletin board - looking for a roommate - or a family that could rent you a room until you get back on your feet? (It will be more difficult with a dog, but that’s not to say it is impossible).
What you need to do is look at your life now from the vantage of what will it look like to you ten years from now. ** What decisions and hardships can you endure now - so that ten years from now - you will look back and say - I can’t believe that I did all that - but I endured it and now I have the freedom to live my life differently than if i had allowed my circumstances to dictate it. ** And you are talking not only of yourself - but your future children. It seems a small sacrifice to pay pay now for all that.