Girls, I'm scared

iVillage Member
Registered: 04-21-2003
Girls, I'm scared
19
Tue, 12-28-2004 - 1:31pm

Insurance came out today leaving us with about $40.00 to our names. Shane still isn't sure if he's being paid on the 1st, but we assume he should since he started on the 15th. At least to be paid SOMETHING, right? Plus still no security deposit in the mail from our previous house. Dylan needs his asthma medicine, and we both need to keep our cars gassed up. Shane drives a demo home, but is responsible for his gas. And I just found out this morning that if we plan to go COBRA on our insurance, we must pay the fee by Jan. 1 or lose the coverage. It's close to $500 for both of us and about $180 for just me. I don't know how Shane plans to do it. I know I need the coverage and it sure woul dbe cheaper to leave him off, but I'm afraid he's going to get sick or hurt his back or knee again and need a doctor. Then what? And if he doesn't get paid by Jan. 1 or we don't see a deposit check in a few days, we can't pay the premium anyway.

I can't let him go pawn off his guitars and amp like I know he'd do to get things done. It's too stressful and I'm losing it.

Just needed to vent....

Mel

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Avatar for cl_beckty
iVillage Member
Registered: 03-20-2003
Tue, 12-28-2004 - 6:15pm

Great Ideas Kim!


Mel, I hope you can work something out. I do agree that you still don't seem to have gotten on a good monthly budget (though I know that's hard when S lost his job and threw everything into upheaval) I hope you can do that soon, and then not be in this highly stressful spot again!


Hugs. Sounds like you'll do ok.

Becky

Becky

 

 

Avatar for comountainsprite
iVillage Member
Registered: 03-26-2003
Tue, 12-28-2004 - 6:43pm
Sounds like some really good ideas. Also, just thought of something else since you might be interested in working part time. In my area there's a temp agency (I've forgotten the name but they advertise in a little local parenting magazine dd brings home bimonthly from school) that specializes in moms who want to work only during school hours so they can be home for their kids before and after school. There might be something like that where you live too that you could check into. Just a thought. Good luck.
iVillage Member
Registered: 12-27-2004
Fri, 12-31-2004 - 8:31am

Hopefully you've found some peace now, and I have to agree that pawning things, while wrenching, isn't the worst thing in the world. I also agree with looking to schools for a part time job - here the 2 hour lunch aides get paid very well and they are also very accomodating about taking time off with a sick child etc. let alone the obvious benefit of school holidays off.


Not criticising or anything, but how come his pay schedule wasn't confirmed when he got the new job (congrats on that btw)? Anyhow, that's immaterial. Good luck to you.


MS
A man's got to do what a man's got to do.
A woman must do what he can't.

MS
iVillage Member
Registered: 04-21-2003
Fri, 12-31-2004 - 11:08am

I guess they just assume in the car business that everyone knows when they will be paid. He's supposed to be paid today and if his stuff from yesterday is calculated into his check today, it should be great!!! He financed 9 deals! And we're also on our way to selling his pickup truck. Got a call last night about it. Being the salesman he's always been, he pretty much sealed the deal over the phone. I'm not sure how much he asked for it, but I think it was over $2000. Maybe more. The truck is in awesome shape and we've had it just a few months. I'll miss it. I feel so cool driving it when I've used it to take/pick up D from school.

Oh well....no sense in keeping what you don't need, right?

Mel

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iVillage Member
Registered: 02-19-2004
Fri, 12-31-2004 - 11:18am
Mel - I wanted to say $500 is great for cobra insurance. My parents had to pay cobra last year and for the two of them it was $2,000 per month!

Photobucket

iVillage Member
Registered: 03-26-2003
Fri, 12-31-2004 - 11:49am
Mel, honey, money was an issue when you were dating, engaged and now married. You walked into this relationship with your eyes open. You two have very different styles about money. You are worried out of your mind while Shane probably doesn't think anything of it and wouldn't sweat taking his stuff to the pawn shop.
You love this man and you married him so your job is to figure out a way to cope with these things as they happen. You've written before about how you trust him to come through and he has...I'm concerned about how much stress you're dealing with. Stress is very bad for your health.
What do you do that brings down your stress level? Please do it now for yourself and your baby. ((hugs))
iVillage Member
Registered: 02-19-2004
Fri, 12-31-2004 - 11:55am

>>>You two have very different styles about money.<<<

Mel - based on downbythebay's comment, I would check out the Love and Money board: http://messageboards.ivillage.com/iv-mlrelations I haven't been there (all my money problems are my own) but I hear great things about it.

Also, see my post to Becky about debt/budgeting if you didn't already see it: http://messageboards.ivillage.com/n/mb/message.asp?webtag=iv-rlsolomother&msg=7731.6

I hope this helps.

Photobucket

iVillage Member
Registered: 01-27-2004
Fri, 12-31-2004 - 3:25pm

Hmmm, what do I do to relieve stress??? LOL! I attack him in the bedroom. That's what I do. Otherwise, a nice bath is in order.

I did marry him knowing the way he is with money. He's very irresponsible. But I also said I trusted him to come through and he has, over and over. I guess in this instance because we weren't sure what day he'd be paid or if the security deposit would arrive before the first, which, of course, it hasn't, I was wondering how we'd get by on a few bucks until something DID come thru.

But we'll be okay. I'll make sure we are.

Mel

iVillage Member
Registered: 12-27-2004
Sat, 01-01-2005 - 1:26am

Well, you have an excellent head start, knowing how he is with money and being able to take charge to do what needs to get done - to me, that's the biggest hurdle and you're well over that one. Going in with your eyes wide open is great.


Good luck and best wishes


MS
A man's got to do what a man's got to do.
A woman must do what he can't.

MS

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