Question:

Dear Ms Harvell,

I am an 11th grader and I am looking forward to being a senior next year. I want to live on my own after high school but don't know if my job at pizza hut will be enough money to live on. My mom thinks when I turn 18 I should be supporting myself. How can I make sure I can live on my own?

John

Answer:

Dear John,

I commend you on your desire to live on your own after high school. However, you will need to take a very close look at what living on your own involves. Having adequate financial security is high on the list to living independently. Many people live on minimum wage, e.g., working at Pizza Hut, and learn to live carefully within their budget. Ask yourself if you plan to work at entry-level (minimum wage) jobs throughout your lifetime or should you research other post-secondary options.

To get you started, I want you to take this pre-skills survey. The directions are easy, just answer each question yes or no.

Pre-skills survey

Money management

Do you have a budget?

Do you have a checking account?

Do you know how to write a personal check?

Can you balance a checkbook?

Do you have a savings account?

Will your job pay you enough to cover the following expenses?

1. Apartment rental
2. Utility bills
3. Food
4. Leisure activities
5. Transportation
6. Clothing
7. Other…

Will you need a roommate to help defray expenses?

How will you manage expenses if you lose your job?

Additional Daily Living Skills

Can you set up a household?

Can you care for your personal needs?

Do you have knowledge of common illnesses, preventions, and treatments?

Can you practice personal safety?

Can you wash/clean your own clothing?

Can you choose and plan appropriate leisure activities?

Are you familiar with local, state and even federal governments?

Do you know your civil rights and responsibilities as a citizen?

John, these are just a few of the responsibilities you will encounter when you live on your own. You say your mom thinks at 18 you should be supporting yourself. Does that mean she will be available if you need advice and financial support?

What I would like you to do is meet with your teacher, parents, and school counselor and discuss your goals for the future. This way an action plan can be developed based on your aspirations. Expect some barriers, so stay flexible! I am including an action plan that I have used with many students as well as a website titled “When I Turn 18” to get you started (http://www.calbar.ca.gov/calbar/2cbj/02may/index.htm)

Good luck and keep me posted.

Student Action Plan