financial troubles

you might ask how i'm surviving in toronto without a paying job.

the short answer is that it's not going well.

the long answer is basically as follows:

1. OSAP & financial aid
i still have a little bit of money leftover from OSAP of 2011-2012. they gave me enough to cover tuition and most of my rent/food which has helped significantly over the year and the past couple of months not in school. my rent is not cheap. food is not cheap. my social life also doesn't come cheap (unless, of course, dudes buy me beers all the time... and i've been flirting my way nonstop for this just because i'm so broke at the moment. it's working; don't judge me. i won't do it as often once i've found a paying job).

my estimate for september is about the same which is quite nice. i'll be able to splurge a bit because  my tuition doesn't cost nearly as much as last year. in fact, it's about $2,000 less than last year. that's so amazing. i'm still scratching my head as to where the $6,000 i spent on tuition last year went and what i've truly gained from the program. i don't remember applying for any tuition assistance/grants/bursaries last year but somehow managed to be the recipient of a bursary that was enough to cover a month's worth of rent and groceries. so when i applied for those money saving things this year, the seneca website came back to me saying that my financial need was too great and they couldn't do anything to help me. really? because back when i was dependent on my parents and/or living at home, my parents made too much money for me to qualify for anything; or my summer working paid for most of my tuition and expenses; or OSAP covered a little bit of tuition yet was never enough. but when i'm an independent struggling to find a paying job, going back to school, living on my own, and have little to no savings because of rent/food/tuition/etc, i can't qualify for any assistance? geez. who does that money end up going to then?

2. attempts at savings 
i never followed a budget while living in toronto but i probably should have. on rent and transportation, i'm looking at $777 + $104 a month = $881. plus the cost of food/beer. and i'd say i was spending $1,000 or more each month just to cover my survival. i had a lot of money saved up to move. it was enough to pay my full amount of first semester tuition $3,000+ before my OSAP came into my hands in september when i moved to toronto.

and even with that tuition, i still had lots of money left over from living at home for almost 2 years, working part-time during the school year and summers, not having any bills to pay or transportation costs (except my cell phone... and even then, my parents sometimes paid for that), not spending any money on food/groceries, and not going out nearly as much or spending too much when i did go out for beers. so yes, i had the ability to save and budget when i wanted to and when i had a steady source of income with no bills to pay. but since i made something like $2,000 over the course of last summer and the last time i worked a paying job was august 2011, it's no wonder that i don't have a lot of cash right now.

3. social life on hold 
i've really cut back on going out lately. or if i do go out, i won't spend that much. i used to go out for meals a few times a week or order in, but i've stopped that too (and maybe i'll go out once a week.) i went home a few times in the past couple of months to save money on meals or i had certain things to do. my parents have been up visiting and have taken me out or fed me every time they come up. i just spent about a week at home to save money and was able to get them to pay for my toiletries for the next couple of months (and, every time i go home, gramma gives me moneys for coming home.. so that's pretty nice). sometimes, my mom will cook me food and i'll bring it back with me. there's a sheppard's pie and pasta sauce in my freezer that's been in there for about a month now. i should probably eat it soon. i'll go to friend's places and we'll have potlucks or barbecues and that's quite helpful in feeding me. i'm a hungry girl, okay, if you haven't noticed already!

4. interviews?
i finally had an interview at the environmental centre i've applied to like 40 times in the past 6 months. they emailed me saying that the full-time position i applied for was filled but they've opened up a part-time position and to re-submit my resume. i did and had the interview on tuesday. it's a part-time, permanent position, three days a week at about 20 hours a week. it extends past the summer but i never told them i was going back to school in september. also, it's in the middle of no where and sort of difficult to get to; i take a bus to a park, walk through the park to a trail, and hike about 2km to the centre. sure.. that's a nice walk in the summer during the daytime. but in the evning/at night/when it's raining/snowing/other inclement weather/etc it won't be very nice. and the cab ride is about $15 with a tip. so yeah, that doesn't come cheap either. i'm supposed to hear back "by the end of the week" but i may be turning it down if i do get it because of all of the things i mentioned above. we'll see.

i'm applying to lots of jobs constantly and not getting anywhere. my unpaid internship is going well. the second part of my research into the longboarding benefits calculations are going smoothly (now.. after some technical/"i can't brain today, i've got the dumb" issues) and it's helping me keep busy on these long, hot days when instead of spending money and drinking beer on a patio, i'm hanging out in my living room with the air conditioning on full blast figuring out the benefits of longboarding.

hey... job... are you out there? it's me... amber.