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Archive for July, 2008

Dead Beat Dad II

July 24th, 2008 at 08:15 am

So I called my son's father and asked when he thought he'd have some money for us. He offered $50 and reminded me that he still needs $2,000 for the condo that he is buying with his settlement money. I'm filling out child support paperwork today. Although I have done child support enforcement before in the past, it has never been dependable. Whether because he's in and out of jail, no work. So in a way I feel it's a waste because I know he is such an unreliable, unstable person. But tomorrow is payday and I'm left with $78 till the next payday.
$520 for late car payment
$200 to debt collection agency
$40 School Pictures
$39 Football registration
$50 desperately trying to save for Xmas
but, I have ended up using this the last 3 weeks.
I also have a $144 energy bill that I need to pay off before August 23.
Actually my sister is paying for my son's football registration, but I bounced a check and need to make up the funds.
I just don't understand why my son's father won't pay for his child. He's seriously mental. I try to understand and sympathize his point of view, and I just continue to get manipulated. We were in a physically abusive relationship and I'm still struggling with the effects of abuse. So, off to therapy I go. I really want to start saving for Christmas, because its a time of year I can't afford to spend money I don't have. But its there and commercialized and I feel compelled to give.

Money from sis

July 22nd, 2008 at 10:50 am

My sister is 6 years younger and a financially smart, business owner. Needless to say, she makes very good money. The usual stories about how am I going to make ends meet once again are familiar during our phone conversations, when I'm dwelling over my mounting debt and lack of funds. Last night she broke down crying over the fact that she made good money and her sister, mother, and step-dad, are always scraping by. She feels compelled to offer money. she feels guilty that she has the ability to afford above the needs in life, when I'm struggling to get by. She offered to pay my big debts so I could just be able to handle my monthly expenses and have a little more fun in life. I know I've made bad financial decisions and It's nobodys fault but mine and I accept that. I guess I'm a thorn in her side????

Court on Friday

July 22nd, 2008 at 06:58 am

A few years ago I decided to sign my son up for karate classes. Since I had a huge tax refund coming to me, I felt really rich, and decided pay 1/2 the contract when I received my refund. Well I signed the paperwork and was to start in a month from then. Well reality set in and I realized I really couldn't afford to pay $160 a month for classes. I didn't cancel the "contract" properly and now 3 years later the karate place wants $5,000 from me. Colorado law is that any contract needs to be cancelled within 72 hours from the signing date. My son never took one class, but I'm held accountable for my signature of the contract. I asked to have a trial and talk to the judge so I can try to ask for relief of this debt. I don't really know what to expect.

$5000 for my car...

July 21st, 2008 at 07:34 am

well I drove to the Carmax in my area on Saturday. I was given an "agressive" offer for my little Aveo, of $5000. Too bad I owe $8400. I don't have the balance to pay. So I drove back home and let everything sink in. The good news is that I have a reliable, gas sipping, little car. It's not like I've lost or didnt' get something. I tried to get out of debt. I'm going to try to just pay what I can every payday, and get thru the debt payment process over the next year or so. Staying in the one bedroom isn't that terrible, I like the apartment and the area. I have about $11 in my bank accounts, but the good new is that my 401K contributions are growing!

Dead beat dad.....

July 15th, 2008 at 12:26 pm

Here I am running around on less that 1/4 tank of gas, I went to the dr. for a few medical issues (not too serious) I need a couple rx's, my son needs lunch money, I need gas money, money period. So I call my son's father. He just recently was given a 17k settlement for an auto accident. well he's never paid Child support as a responsible dependable father would, and now that he has extra money he is stringing me along, I asked him if he was going to make a $100 payment this week, as we had discussed that he would, and now he just has too many things to pay and maybe next week. I managed to beg $50 out of him, but uhhhhhhh...its so frustrating...he has the money and we need the money...

I need to get my degree

July 13th, 2008 at 12:30 pm

So, here I am working my job, that I found through a temp agency about 2 years ago. I have been promoted to a position that involves accounts receivable, doing financial reporting to the controller and keeping track of the service work that we provide. I feel I don't know enough about accounting and business to be as effective as I should be. I feel stupid when I have to continue to ask the controller the hows and whys about things like the accrual process, lien waivers, what happens when I enter a credit memo or need to adjust a customer account. I want to finish my degree and I constantly wonder if I should pursue something that I would really love or I could get a business degree and maybe that would help me in my current company. I don't really know how or where. I just feel very out of the professional world. I am in charge of collecting the past due accounts for our department and when I first started this position about a year ago, I really didn't focus on the past due accounts, and the 120+ past due balance got up to 140K! I am still trying to collect on past due invoices from 2007. The thing is that even my supervisor never brought up how important the collections were. I'm lucky to have an understanding controller, but I feel that I'm just putting invoices into the computer and really out of the bigger picture....what is the way to turn? Plus I need to make more money with my degree, hopefully.

What if.....

July 10th, 2008 at 02:36 pm

Well here it is, payday again and I'm down to $39.00 left over. That still doesn't include fuel/transpo to work and around town, food, or anything else that might come up. What if I tried to sell my car. I looked on Kelly BB and it should be worth $7500. I owe $8400. Giving up a car is unimaginable. Its like "hello! am i seriously thinking straight?" family and friends would think that I am seriously flippig out, and I would wonder if I did. But first of all it would be a good $500 off my back. I could move into a two bedroom apartment for my son and I (yes we currently live in a one bedroom) very crammed. How would I go about selling my car? I put my ad on craigslist and didn't get one response.

Tuesday

July 1st, 2008 at 07:45 am

I called nelnet and was given a foreberance until Jan 09. I am accruing inerest of $240 each month during that time. I took public transportation to work today. I can save $10 a week buying a pass. I still need to commute outside of my city to various appointments throughtout the month, but I can save the mileage on my car. I don't know if trying to sell my car would work for me. It would be wonderful to use that money for debt. But in reality, I have a 10 year old son, what if i have an emergency? Not having a car is like taking away a major piece of my every day life. I wonder if that is too drastic?