:::: MENU ::::

Browsing posts in: Money Disagreements

The Next Step, Part II

by

This is a follow up post to The Next Step. There was an over-whelming consensus that this should be my next debt tackled even though people didn’t agree on how.  So here is my plan…

Because I have eliminated all other consumer debt other than this car loan…I have two lines of credit open with no balance.  I called and asked if the introductory offer still stood that I used last December…any transferred balance 0% interest for 6 months.  Wonderful news…it does!

So I have transferred the balance of HIS car loan to my line of credit, effectively paying off the car and I should receive a clear title.  Yeah!

That gives me a balance of just at $3,000 at 0% for 6 months…$500 per month to pay it off with no new interest.  Seems like a good deal to me.  He will continue paying $246 per month to me until the balance is paid, but I will have cleared it off my credit by early 2016.

(We have also dealt with his moving the car out of state…after research done with the state’s DMV in question and insurance company.  All above board when that move actually happens which I have no ETA on that from him, but I’m prepared for when it does.)


The Book is Closed on our Old Home

by

So I am closing the book on the old house and many wanted to know the final chapter.  There is not much to tell, and this will be the last time I will bring it up here, but I didn’t want to leave you wondering.  So to understand it all, especially if you have joined us in the last couple of months, here’s a recap of the posts regarding my housing debacle.

Three Years, Six Moves – When I wrote this back in April, 2014, I said we were home.  Little did I know how quickly that would change.

The Best Laid Plans

Why I Decided Not to Buy My Home

The Ultimatum

The Curse

The Next Step

The House is in Chaos

I Quit

Oh What a Feeling

The House Sold

Chapter Closed

So now that you are caught, I want to tell you how it ended.  As you know, in December, after several months on the market, I got what I thought would be the best offer on selling my van but the difference between my loan amount and the sales price was more than I had readily available so I had to make up the difference to make the sale happen. Needless to say, time was of the essence.

I had had several brief conversations with my dad without trying to pressure him, asking about the house, and he consistently said he didn’t have time to review it.  This time I called with a purpose.  I let him know the situation and asked if he had time to consider the house monies that he had said several times I would receive as this would be a big help at this point.

His words “well, if I was going to give you money, it wouldn’t be for a car.”  I was shocked speechless.  First, it was never my intent to ask for him to give me money.  I felt and he had indicated during several conversations that I would get some money from the sale of the house since I had paid all related expenses for four years, put the blinds in, paid for all the appliances (which were sold with the house,) added a patio, landscaping, etc. Essentially I treated the home as my own and incurred all relevant expenses including my own renters insurance and his owners insurance, etc.  Ok, you get my point, I was in no way asking for a handout.

He then went on in the same conversation to say that he had been thinking we could open a joint account, where we would both have to sign to get money out and he would match my savings toward a house with the money rather than give it to me.  If I wasn’t still speechless from the “give” suggestion, I was shaking in anger now.  Control.  He still wanted control.

I knew with no doubt that I was not ever going to consider that option and frankly, I let him know what I thought in no uncertain terms.  Now, I don’t want to seem ungrateful for what he did four years ago after our two rental homes fell through, BUT my dad has ALWAYS used money to control.  He would take away my car when he didn’t agree with my decisions, he would threaten to stop paying for school when he didn’t agree, and that’s just me.  I am not in any way trying to bash my dad, I love him, respect him, but this is fact.

You see four years ago, when the second rental house fell through I put all my stuff in a POD as we began to travel as I figured out what to do.  The POD would have allowed me to move anywhere, sending for my stuff when I figured it out.  That was my plan, travel around for a while and then decide.  That was when Dad stepped in and offered to help me buy a house here where he and my mom lived. I know he was doing what he thought was best for me and my two kids at the time but it was also a control move.

So back to the final conversation my dad and I had about the house…I told him in no uncertain terms that I would NEVER, EVER get into a financial relationship with him again. And based on our conversation I would assume that he never intended to give me any money from the house.  I also told him that I thought he took advantage of me.  If he had been honest about the house money from the beginning I would not have put EVERY SINGLE extra penny into the house to get it ready to sell as I really needed that money for my family.  I have now totaled the money I put into the house to get it ready for sale plus utilities for the two months after we moved out, and I spent $4000 on that alone.

So no, my dad has never given me a dime from the house and I don’t expect he will.  And you know what, that’s fine.  I learned a very, very hard lesson.  My children have learned some really hard lessons.  And what ever happens next, we did that.  No man will ever have that kind of control over me again.

I am in no way male bashing.  I know there are some great guys, husbands, fathers out there.  I see them all the time with their children, with my friends.  But after my marriage and my brothers and my dad, I’m done, completely and totally done.


Pages:12345