I’m going to do a bit of whining right now so pass on by if you don’t want to listen to me bitch for a moment. Tomorrow or the next day I’ll probably have some memes for you. But today I’m going to whine. I’m also going to coin a new term- financial exhaustion. Why? Because you guessed it- I am financially exhausted.
Financially exhausted? But Sam, I thought you won all that money in court?
Yes, yes, I did. Unfortunately, I took a hit in July. Instead of getting my usual spousal support plus the small $2000 lump sum, I got only the lump sum. Plus, I’m getting my money in smaller amounts over a three plus year period. Right now though I have a daughter in college and a son starting his senior year and who is in therapy. I have a car that is six years old and has over 130,000 miles on it. I have a lawyer that would like to be paid and she doesn’t want to be paid over a 3 year period. Imagine that!
That takes me right up to my whining portion of the post. I told Rock Star I would take care of her rent this year. I’ve already paid the first month, plus sent her money for groceries and utilities. I’ve also sent her $25 for sorority dues. She moved into a new house this year; she’s rooming with her two best friends. Unfortunately, this house isn’t furnished like her apartment was so she needed a bed and a dresser. She found a dresser and desk for free and only needed $70 for a mattress and the plywood for her frame. Next she needed specific shoes for her nursing clinicals; that ended up costing me $125. She also texted me the other day to let me know she needed to buy two access codes to two of her classes. That was $233. Per code. And then I received a final bill from the apartment complex. That is going to be over $300. Hooray! I added it up and I think she’s going to cost me about $1500 this month. Her alone. $1500.
The check engine light is on in my car. I took it into my mechanic last week. He was hoping I had recently bought gas and just hadn’t tightened the gas cap enough. Wrong! Several days after getting it back the light came on again. He’s already told me whatever leak there is is very small and that the smaller the leak the harder it is to find it. I am expecting to pay at least $300 in labor alone. I dropped the car off tonight after work. I’ll hear how much I owe sometime tomorrow.
I finally got up the nerve to open my final legal bill. I was psyching myself up. She only charged Jerry Lee $2500 total for the case. I knew I had around $700 sitting in trust with her. How bad could it be, right? Maybe $1000?
Oh no! That’s child’s play. Final bill- over $2300. And that’s after she applied the more than $700 she already had from me. That bill alone totaled more than $3100. How in the hell did she come up with $2500 in legal fees? I’ve been paying her since February. I think the total legal fees should have been more in the $3500-$4000 ballpark. It’s good that he’s got 3 years to pay the $2500 she charged him. I, on the other hand, needed to get almost that entire amount to her within a month lest I be charged an additional 18%.
Finally, I’m dealing with Picasso’s therapy bill. I’ve been paying $22 each time he goes. That’s what they told me my portion would be. It has taken my insurance company eight months to tell them that they won’t pay anything until I’ve met my $5500 family deductible. I now owe the therapist’s office over $1100. Isn’t that great?
My original plan was to save, save, save. Keep the spousal support each month and put everything else aside. Live only on the spousal support and what I make. Then I decided it would be a hell of a lot more prudent to get my car and credit cards paid off. It’s not a huge debt, especially considering what kind of balances I carried back when I was married, but for me it’s a lot. My first priority was paying off my car. I think the last payment is due in October anyway. I don’t owe a whole lot on it anymore. But once it’s paid off I can take the money I would have spent on the car payment and put that towards one of the credit cards. Now instead I’ll be putting out all these fires and paying off bills will have to wait.
Fortunately, this whole thing hasn’t got me too down. I do have money set aside- just not the $5000-$6000 needed right now. I also don’t want to use every single cent I have saved up in case Jerry Lee has stopped his direct deposit already. Instead I borrowed money from my mom to pay off the entire legal bill. I should be able to have it all paid back before the end of September; I’m hoping it will be sooner. I emailed Jerry Lee tonight to give him the invoice; our court order states he is responsible for just over 67% of the bill. Again, hoping to have it paid in full by the end of September. I’ll also be expecting Jerry Lee to pay his share of the $78 each time Picasso has therapy. I would have covered it at $22 a session. I have been covering it. But I’m not going to do it on my own when the cost is $78 per session.
This is just a matter of everything coming due at the same time. Next month I won’t have legal bills anymore. The therapy bills will be settled. Hopefully I won’t need car repairs again any time soon. And my daughter? To be fair, this, too, is a beginning of the school year maelstrom. But come September she’s going to get a set amount of money each month and she’s either going to learn to manage that, or she’s going to have to get her ass home and work some during the school year. My savings is dwindling but hopefully once all of this is over and I’ve made some progress towards paying off bills then I can build it back.
See? Not quite as much whining as you thought. Bonus time- I’m offering up solutions and not letting it get to me as much.