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Discouraged

August 13th, 2008 at 03:01 am

I'm not sure if I mentioned this previously or not, but several weeks ago my ex lost his job. He'd been with that company less than a year, so I'm sure his severance package was quite small. Tomorrow I am supposed to receive the second child support payment due since the direct deposit from his job switched off. I asked him to send a post-dated check home with my daughter this past weekend, which he did ... and today I got an email from him saying as of today's mail he's not received his severance package so the check I was planning to deposit on my way to work in the morning is rubber. My checking account was pretty much at zero, my savings account (in brick & mortar bank) is my remaining challenge money of about $100, and everything else is in ING. We need some groceries, I put half a tank in my car yesterday, and had made payment arrangements with the cable company to pay my bill (which was due last Friday) this Friday (with a $4.95 late fee tacked on, which REALLY ticks me off) ... so I really need that check to be good! Ugh. Rather than face the prospect of going into the weekend with NO money, I decided to transfer $400 from my EF in ING, so it should be available in my checking account by the weekend. Hopefully the ex will get his severance tomorrow and I can just transfer the money back to ING ... but then I get to start stressing over whether the child support two weeks from now is going to be paid. He's never not paid (well, except for once when we were in the thick of the divorce negotiations and he was ticked off ... but that was 10 years ago!) and I know he will pay it if he has it, but I'm afraid if he doesn't get a job soon he won't be able to pay. I'm struggling as it is with the reduction since my son's graduation 2 months ago ... having NO child support at all would definitely mean getting a second job, and probably working 7 days a week! Well, I can't worry about that, worrying does no good ... I just have to have faith that it will all work out. I do feel for my ex, I really do. He had almost 20 years with one company, and they'd sent him back to school to get his Bachelor's degree, then paid for him to get his Master's degree, then eliminated his position shortly after that. Since that time he has had a failed business franchise and had to declare bankruptcy, then got this other job less than a year ago, which he just lost. Sadly, his financial situation sounds a lot like mine. It's a shame our kids have such deadbeat parents!! Frown

In a different vein, I have really been thinking seriously about moving. For the past few years, I've been commenting to my daughter that we'd look into moving to a 2-bedroom apartment when my son went off to college. Now the time is here, and there is a fairly new (2-3 years old) apartment complex less than a mile from where I currently live which, if we moved there, would allow my daughter to finish in her current middle school (one more year) and then go on to the same high school my son just graduated from. For the past year or two we've had repeated plumbing problems in this house which, of course, are not our responsibility to repair but it's SUCH a hassle to have to deal with over and over again. Overall, this house needs a lot of repairs ... nothing major, so the landlord doesn't want to spend the money. I won't even go into how badly it needs a few upgrades ... the house is 25 years old and I swear it's still got the original carpet! Anyway, it would just be a perk to have something newer and nicer for a change. (I know, that's a WANT, not a NEED!) My main reason for wanting to move is so that I don't have to deal with the lawn maintenance (since my son is moving, and he's always done the yard work)! Also, we'll have a pool if we move to an apartment, which would be nice during the long scorching Texas summers! Since I looked at apartments before I moved into this rent house 5 years ago, I knew that I couldn't expect to reduce my expenses by moving to an apartment; they were about the same as houses for rent at that time.

Last week I looked at the website for the apartment complex I'm interested in, and their 2-bedroom apartments are advertised at $1200/month, which is $200/month MORE than I pay for my rent house ... so I pretty much put that idea out of my head right then and there. Then I was talking to a girl I work with about it, and she hooked me up with an apartment locator, something I never even knew existed! I guess these apartment locators can get better pricing than just a person coming in on their own. She sent me some prices for these apartments that were over $200 less than what was advertised on the website, or about the same as my current rent! Cool!! So I got all excited about that. Plus, the deposit on the apartment ($250) is MUCH less than I paid for this house ($1,000). So today I asked her some questions about the pet deposit, and availability of the floor plan I'd like (the only 2-bedroom floor plan w/a garage). Turns out the prices she sent me were for floor plans without a garage, because they have none of those available (nor do they foresee having any in the near future). So I have no way of knowing how much those are running until one becomes available, and the prices may have gone up quite a bit by then. (Apparently the prices change frequently.) As far as the pet deposit goes, it was listed as $150 ... but it's actually $300, half of which is refundable. (Totally misleading, I think!) Also, that $300 is PER PET ... so, since I have two cats, my pet deposit would be $600. BUT, the security deposit would be $125 instead of $250, because I work for a "preferred employer." Okay, there's another perk from working for my company ... cool, I will take it! So that brings the move-in to $725, which is still not as bad as the $1,000 I was thinking I'd have to come up with. True, the rent would probably be about the same as what I pay now, but surely the utilities would be less. (I know the water would be, what with all the plumbing issues we've had here!!) Oh, then I also found out today that my monthly rent would be $10 more per pet as well, which really ticks me off. Have y'all heard of that before? I haven't. Granted, I haven't moved much in the past 10 years, and I haven't lived in an apartment since I was in college, but still ... that's just crazy!!

So, I guess I will just plan to TRY to save up the money to move (for deposits, movers, whatever), depending on whether or not I continue to get child support, what kind of raise I get at the end of the year, whether Murphy stays away, etc. and I'll just keep checking with the apartment locator periodically to see if an apartment with a garage comes available in that complex. It's probably just as well, since I have a TON of stuff to get rid of in order to be able to move into a 2-bedroom apartment, so I know I will have to have some garage sales. That's something I've needed to do for a long long time anyway, and it will make me some extra money, which I definitely need! (I will just have to wait for cooler weather!) Oh, one other good thing about moving to the apartment is that it's got ALL the appliances in it already, including a full-size washer/dryer, and ALL the kitchen appliances ... so I could sell all of my appliances!

4 Responses to “Discouraged”

  1. little l Says:

    WOW, what a bummer for your ex and you. I'm sorry that you are going through a rough patch right now. I'm a firm believer that things happen for a reason, so apparently something better will come your way. Think good thoughts Smile

  2. my english castle Says:

    I think it's great you're looking around for a new place. A nicer place would probably lift your spirits as well.
    It's good to have some time to declutter and prep for a move--maybe you could ebay some stuff you're decluttering to raise some of the deposit?

    Wishing you easier days ahead...

  3. Blue Eyes Says:

    I can understand what you must be going through with the child support. My ex hasn't paid me anything yet for my 2 children. I've been waiting 4 months so far. I had been getting about $650/month for both children through his disability, but that was discontinued as of March. I'm working every Saturday now instead of every other to help account for the shortage. It will all work out for you! Good luck!

  4. momsents Says:


    Just a note about severance - it took my DH three weeks to get it because he had to sign a Separation Agreement that had a 10-day clause for changing his mind. I was on pins and needles waiting for his. Sounds like moving money from t he EF fund is a good thing.

    Good luck finding a nice new place!

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