A 17 Year Old with a $12,000 car?
Hello. I just stumbled across this site while searching for good ways to deal with bad situations. So.. I guess I'll share a brief background..... my husband has a 17 year old child, resulting from a teenage pregnancy so we are still in our thirties. We are both educated people and have been hit hard by the economy. We have had to give up a lot to make ends meet including selling off a truck for a vehicle without a payment, no internet/phone at home, no cable, no eating out and a strict budget on food.
The mother in this situation has made a habit of man-hopping and consistently moves her children around from man's home to man's home pulling her children out of school as they go. The longest my husband's child has been in one spot her entire life is just three years. Despite trying to move closer to his child, it seems the woman makes it a point to not stay in one place for too long. She currently has four children from three different men and has now moved her kids into another man's home (before even making sure the newest divorce was finalized) where there are four other children who have two moms amongst them as well.
Last year she pulled a real stinker on us demanding more money and trying to lie to DHS that my husband hadn't been paying child support all these years.. which he had been. She had found out that in the state of Iowa, checks are considered "gifts" and tried to turn around and get another 17 years of child support in which he had already paid. Needless to say, DHS got involved and sided with us but not until after we had to invest thousands in a lawyer and not until after my husbands tax return had been effected, which in turn affected our ability to make much needed repairs to our home.
So.. obviously.. this has been a rough introduction to the world of step-parenting and I'm never allowed to actually voice my opinion. My husband is fearful that if he even says a negative word to this woman that she'll tell her child lies to maker his kid hate him. I find this frustrating because how are things supposed to be different if one doesn't ever say anything to work it out?
His child is a senior in high school and has a major "gimme gimme" complex and can always be counted on for asking for high-tech gadgets like Itouches, I pads, I pods, Lap tops, Game systems, etc and the child is never told No. When asked as to why my husband doesn't explain to his child that we are having financial difficulties he says that he doesn't think it's a child's place to worry about that. Considering his child wants to be on their own and in their "own" apartment on their parent's dime by August 2012, I think it's about time the kid have a reality check.
This weekend my husband's 17 year old child showed up in a $12,000 car in which her mother got a loan for them. It's "only $200 a month". I tried to explain that I personally never even had a car that cost that much until I was into my 30's and that even then I couldn't afford that with my other bills and a decent job. It doesn't sink in. THEN they hand us a letter from mom stating that my husband needs to come up with FOUR THOUSAND dollars for a dental procedure by February.
So, it looks like we'll be selling our car so we'll be down to just one car and my husband will have to cash in his pension in order to pay for this procedure that is for the most part, cosmetic. The child currently wears a couple of fake teeth in a retainer that could easily be dealt with until the financial burden lifts a bit but apparently the procedure has already been scheduled without the permission of my husband. Not to mention, the last "estimate" was $1,700 and it has now more than doubled.
I guess this just all makes me want to scream and possibly run for the hills in a Daffy Duck like manner. I am at the point in my life where I want my own family and I'm not getting any younger. I feel like all of these financial burdens will always be there and that the issues with not being able to say no to the child and the mother is really having a huge impact on the two of us building our own life together.
I don't know how to deal with this. Advice anyone?
Actually the procedure is
Actually the procedure is cosmetic and not necessary - he can say no. Also, the teeth are still growing and can shift around. I had a "flipper" and couldn't get the permanent bridge until 18. I have replaced it twice and the last time the bridge was 4K. Insurance paid half.
Have you thought about
Have you thought about letting the kid live with you guys if the living arrangements are that bad for the kid? That is crazy for someone so young to have a $12,000 car but what can you do, her mom is the one who helped her get it. Does she have a job since she is 17? I hope there is a way you can get out of paying for the dental work because I do not agree with that at this time, the mother should have discussed it with your husband and you guys could of made arrangements and had time to prepare.
I can't even imagine BM
I can't even imagine BM having an impact on my money. I am sorry. I am really mad for you.
Hello Everyone - it's been
Hello Everyone - it's been awhile. The surgery actually is cosmetic for her teeth. It is not covered by insurance and is an elective surgery. We have told the BioMom No on more than once occasion and today she tried telling my husband that he needed to call the Orthopedic Surgeon to give him our address for billing. Needless to say - that didn't happen.
The car situation has gotten worse. The SD showed up over Christmas asking for us to cover a $270 check she had bounced (which we could not afford to pay) and realized that my husband's entire child support payment is going towards the car payment. The SD does NOT work despite our efforts to encourage her to apply for jobs and mom tells her she doesn't have to because it's more convenient to have her available to babysit her other children.
As for the car - It turns out the car is costing over $600 a month (despite the SD working - at all). The biomom called after we were asking about the bounced check and said that her daughter is draining her and that the car payment is $254 and the insurance is $180 a month - then she's spending $200 a month on gas because mom pulled her out of her school her senior year and she drives almost an hour each way just to end her senior year with her friends.
Over the weekend, bio mom texted us to inform us that the SD is going to go to the state university here and that she is going to take over a $560 a month apartment without any sort of financial plan. I've told our SD on numerous occasions that when she gets into a pinch we will not be able to afford to help. We still make a significant amount LESS since the economy crashed. I went from an $18 an hour job to half of that an my husband lost his union job for a small shop that pays him $6 less an hour then he was making 4 years ago. We live month-to-month and cannot afford extra expenses on top of child support.
My husband just seems to ignore the issue and seems to think it will just go away instead of dealing with it. He doesn't think it's his child's place to worry about finances despite the fact she will be 18 within the year and wants to live on her own - without a job or any sort of responsibility prior to the situation.
To top it off, we found out that we are expecting our first child and this situation is really stressing me out about how we are going to afford our life with our PLANNED pregnancy while this woman is constantly making financial demands and threats!
}:)
Also - the procedure is for
Also - the procedure is for teeth IMPLANTS - not a bridge. This procedure takes between 6-9 months where she will have to have xrays and an MRI to check for adequate bone in her jaw. If she doesn't have the bone she has to have a bone graft to put the bone in her jaw before they can even prepare her mouth for the implants. So, she would most likely have to have bone removed from her hip to put into her mouth in order to even get the implants in the first place. The implants would be put into her jaw surgically.
It seems like a lot of pain and money just because she doesn't want to wear a retainer or get a bridge.
Congratulations on your
Congratulations on your pregnancy. Sorry that you're having to deal with all of this. While I don't have an answer for these specific situations, I can only guess that once the child turns 18 your husband will no longer be responsible for child support or half of medical expenses, correct? If so, then that's at least something that you can look forward to. Then you will also have to have less contact with the ex.
I'm in a similar situation with a SD of 16. She is going to graduate early, and I have already discussed with the wife that we are not in a position to help her with college. I was astounded at how much college tuition has increased since I went. With some schools costing over $20K per year for tution only, never mind books, a place to stay, and food -- I really don't know how any family that is not wealthy can afford it. We made it known to her that she will need to get a good scholarship, or it's just not going to be possible for her to attend the school she wants. Even then she is going to need to work at least part time.
Really I am not a believer in parents paying for kids school anyway, unless they just have enough money that it's not a problem. I have had to cut my 401K from 15% down to 1% a couple of years ago, so I am more worried about retirement right now than I am about college for the kids. When it comes time for me to retire, what I have saved is what I have saved -- we won't have any other options. A kid at 18 has a lot more options: loans and/or working through school, delaying school and saving up money, etc. I'm always surprised when parents have fully funded college funds but are not saving enough for their own retirement.
It sounds like the ex-wife here is a real piece of work. I hope it all works out for you.