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Need advice as a BM...

riddlemonster's picture

I'm no longer in any type of step situation, thanks mostly to this site. I was on a different account and mostly a lurker. Reading your stories showed me a lot of what to look for, and when I did look I realized it wasn't going to be a good situation for my DD or for myself. Thank you all for that! However, while I was working on financially managing on my own, moving out etc... I found out I was pregnant. TWO forms of birth control so something out there REALLY wants me to have this baby @_@ anyways, out of all the sites I've been on this is easily one of the best for getting multiple points of view on custody/CS situations. I'm hoping nobody minds me coming back to ask a question as a BM because I could really use some insight from all sides. Here's the situation I'm in:

I'm nearly through this pregnancy (single, he beat me to it lol) and looking at preparing the paperwork to file for custody and CS. My exSO doesn't seem to be interested in more parenting time than he has with his son, so an overnight EOW and one 6 hr day a week. CS is going to be an issue. ExSO has a small part time job making around 150 a week. With his prior support order and the fact that I make more, my child is entitled to about $15 a week (even with me paying $100/wk in childcare!) Honestly, this wouldn't bother me at all except... he makes around $300/wk off the books in addition to that.
I really don't want to be one of THOSE BMs, all about money and trying to ruin his life. That's why I'm here asking for opinions and advice. I just can't wrap my head around the huge change in lifestyle that would mean for my child. It's gonna be hard to save for him/her, for college or a car. It's going to mean less of the little special things that mean so much to kids. I can manage on my own, but barely. It seems so unfair that my baby is only going to get a few dollars a week when he's making so much more. Please, I would love to hear from anyone who has experience or even an opinion... what's the BioDad's side? How would you other BM's feel? SMs and SDs?
I really just want what's best for my child.

Comments

BSgoinon's picture

Does he claim that income on his taxes? If so you can summons for the court to review his taxes. If it is cash under the table, it's going to be a battle.

I don't think you are wrong for wanting your child to be supported financially by the father. Especially if he is not wanting to be a huge presence in this kids life. Sounds already like you will be taking the majority of the responsibility. There is nothing wrong with making him help you financially. He helped make the kid... after all.

And BTW, congratulations on becoming a mommy. No matter the circumstances, a child is a blessing.

Unfreakingreal's picture

As a BM and a SM I'll give you my opinion. I have never received CS from either of my ExHs. Not a dime. I tried to collect CS from ExH#1 - as soon as he got the paperwork at his job, he quit working and dropped off the radar. ExH#2 - works off the books. So getting anything from him will also be impossible so I don't bother.
My kids have ME. I chose to have them, therefore they are my responsibility. If you have a decent relationship with the father I'd try and settle this out of court. Tell him you know about the extra $$ and you prefer not to drag him thru court to get at it. Maybe come up with an amicable amount that you both feel is fair. If thru the courts you'll get $15.00 a week, maybe you can agree to $50.00 a week. He already sounds like he's pretty broke, there's not much more you can get out of him. $450.00 a week in earnings for a grown man is really pretty freaking broke. Good luck to you whatever you decide to do.

StickAFork's picture

If he's working under the table, good luck. In the past 19 years, I have been unable to lock down anything on a biofather who works under the table.

You could hire someone to investigate how his lifestyle matches with his claimed income, but you're looking at a long and expensive battle...and nothing guarantees he'll ever pay anyway.

Does his prior support order include all of his income, or just the $150 a week?

stormabruin's picture

1) Hold him to CS, even if it's only $15/week. The fact that he provides SOMEthing will matter to your child one day. It can make the difference between him looking at his dad as a deadbeat or a provider. While your ex may deserve to be viewed as a deadbeat, your child deserves to be able to feel good about his relationship with his parents. Not to mention, he deserves to feel like he's worthy of that support from his dad, & those things HAVE to carry more weight. CS isn't all about the help & benefit to the other parent. It also provides something, emotionally, for a child.

2) You don't owe your child a college education or a car. If it's do-able, fine. But don't put yourself out trying to make it happen. Don't be hard on yourself if it doesn't work out. Those are both things that kids are old enough to work & earn money for when they're old enough to have them.

3) The most rewarding & special things a parent can provide for their children are free. Life lessons, character-building, confidence, humility, quality time, etc. Of course it's fun to be able to provide everything a child wants, but in the big picture, those aren't the things that matter. I promise you, when all is said & done, your child will appreciate your patience & responsible parenting more than anything you can buy. It makes a world of a difference when a child grows up to be independent & be able to function & socialize with other people in a normal respectful/respectable way. It sounds corny, but take it from a SM whose stepkids, at 16 & 19 can't pull that off.

The fact that you're able & willing to look at your situation from both sides will help you make better choices for your child.

BTW, you have experience as a SM. Just because you aren't one anymore doesn't mean you don't still have sound advice to share with the rest of us. There's no reason you can't continue coming back. Smile

riddlemonster's picture

It is all cash under the table. And thank you... I'm excited about the baby despite the not-so-ideal circumstances Smile

As far as $450 a week being "pretty broke", I make around $300. Which is why the child support really does make a difference. I was planning to go back to school, but this baby has put that on hold for a while (like I said, got pregnant despite 2 forms of BC. Not something I intended to happen at all, I'm well aware I don't make enough to support 2 kids) I could try to settle something out of court, but one of the main reasons I decided not to stay with him is because he's horribly unreliable with money.

His prior support order was a number they settled on, she gave in on that in exchange for delaying overnights. She's going back to court to try to get her support raised with in the next few months... hopefully AFTER mine because if she gets more I'm likely to get even less.

stormabruin's picture

How can they do that on an unborn child? What if something happened & they lost the child or something? The paying parent is turning over money then until they can get another court date to stop it...?

The girl my exH has a child with tried to file for a court date to determine support so that she wouldn't have a baby with no support for 3 months while she was waiting for her time to come. They wouldn't even let her file the paperwork for it until the baby was born.

BSgoinon's picture

I don't know how they did it. But I process home loans and that is required paperwork. It said "unborn child to be named ****". Child support was clearly stated as not being due and payable until after the birth of the child. I was SHOCKED. I see all kinds of divorce decrees and child support paperwork, and have been doing this for 13 years. This was certainly a first.

Unfreakingreal's picture

Well lucky for you since you make very little money you'll be able to quality for all sorts of government programs. Not ideal, but thats what they're there for, to help when you need it.
You'll be ok, good luck with your baby.

riddlemonster's picture

Actually, despite what I make I qualify for almost nothing in government assitance. No childcare help, and if I apply for foodstamps they take the CS I DO get, which is currently being used to help me keep a roof over DD2s head and pay her childcare costs so I can continue working. I was basically told that the only way I'll qualify for anything else is if I stop working, because I am technically employed full time and make several dollars ovmer minimum wage :/

BSgoinon's picture

Holy moly, that is several dollars over min wage? Cost of living must be great there!

riddlemonster's picture

Like I said, "technically" full time. Meaning 27.5 hours and I can't get a second job right now because childcare is already killing me. No family able to help out either. I'm in NJ and we have a very high cost of living.

Unfreakingreal's picture

Yeah $300.00 a week anywhere near where I'm living will get you a cozy sleeping bag under a bridge. Isn't that crazy? This country needs some serious welfare reform.

Unfreakingreal's picture

Yeah, I find it odd that a family of soon to be 3 can live off of $300.00 a week. Especially, since she is in NJ. Cost of living in the tristate area is RIDICULOUS and I am pretty sure she'll be able to get all sorts of help. WIC for the kids, housing assistance based on her income, etc....

riddlemonster's picture

That's what I thought too, but I was wrong. I guess because there ARE so many families trying to make it on minimum wage.I'm surviving because I have roommates and I budget very carefully. I will qualify for WIC which will help.

riddlemonster's picture

I did check recently, but they would still be taking all child support. That would leave me unable to pay my rent at the moment, especially as I have to stop working for a few weeks when the baby comes.

Unfreakingreal's picture

Riddle, do you have any family that can help? Maybe a family member that can provide child care at a better cost? Please keep doing your research because there are so many programs out there that may be able to help you. Many just aren't broadcast and you'd have to dig to get them. I wish you much luck though.

riddlemonster's picture

The only family in the area is always willing to help... until 2 hours before I start work when they suddenly "can't take her" despite lots of warning and agreeing. Love them dearly, but I nearly lost my job relying on them for childcare.

DaizyDuke's picture

I guess it doesn't really have anything to do with anything, but I'm curious... what about your DD? Are you getting any kind of support for her, is that dad in the picture at all? Or is your "income" strictly the $300.00 per month that you bring in?

riddlemonster's picture

He hasn't chosen to see her since she was 4m old, but she does get a decent amount of child support, about 130/week. Unfortunately right now most goes to childcare, and to helping out with expenses. I was hoping to go back to school so that would no longer be the case, but fate decided she needed a little brother/sister instead. I wouldn't feel right use any of my DDs support for this baby, though. Why should her father have to support my other child?

DaizyDuke's picture

I wasn't implying that DD's CS should go towards supporting another child, I was just wondering how in the world one could survive on $300.00 per week income with one kid, let alone two.

Sorry you are going through this, I guess what doesn't kill us makes us stronger!

Unfreakingreal's picture

I'm glad I wasn't the only one wondering how she could survive on $300 a week. I was beginning to feel like a real snob.

riddlemonster's picture

Personally, I would love to be able to just put all of their CS into a savings account and never touch it. No matter what, THEY have a right to it and I would never choose not to go for it because it is the child's right. Unfortunately, it's the absolute basics that I'm concerned about with 2 kids and what I make.

3familiesIn1's picture

Riddle,
This is totally OT but I hope you plan to breastfeed newBaby. Forget the natural benefits, it will sure ease the expense when you remove forumula from the mix. Its a lot of work if you have to pump and return to work early to support your family but it will be worth it.

Read up on it - you don't need a fancy pump (helps but you don't need it) figure it out, ziplock snack baggies work great for freezing it for future use without the expense of the special bottle baggies - you will save a fortune.

Good luck and congratulations on your new family member - what a wonderful gift.

riddlemonster's picture

Definitely planning on it, hopefully I can produce enough this time around. Also trying to get my 2 year old out of diapers, but I don't want to rush her just because there's a baby coming. She's not quite ready yet.

InsistingOnPrenup's picture

I don't want to be insensitive. However I need to ask why a single woman with one previous child, who's barely surviving on $300 a week thinks bringing another child into the situation is ok. Are there plans in the near future for better job/career prospects? I'm a little resentful that the govt and therefore taxpayers are held to a higher standard than the parents. I know this may be an unpopular opinion but having kids you can't afford is unfair to everyone. Two kids by two different dads. One child in a broken home is one thing. Two is another thing all together. You say your ex was bad w/ money. I think you may be as well.