Tuesday

Accumulating wealth? Not here.

Apparently, I'm a bad millionaire in training.

Saw this on Single Ma's blog recently:

Make sure that your lifestyle does not expand to fit your income when times are good because we have no idea what’s just around the corner. (Link)
I read this and it makes me sigh because my gf and I don't do this and it's terribly unfortunate. We finally get into a position to pay off some bills and something always comes up.

For example, just around the corner, we will be taking over my mom's car loan (we're getting the car, too) and I will be giving my mom a monthly stipend until she gets back on her feet (see, I know where you're coming from btc). Not only will this add to the bills that we already have, but it will cut into my ability to pay the credit mofos. For the car, we had a few options:

  • Keep our old car with no payment and let my mom figure out her biz.
    • This would have meant me paying my mom more money, particularly if she kept the car. If she sold the car, then I would be helping her out when she needed to drive somewhere (often down here in S.FL).
  • Take over my mom's car and sell our old one and leave my mom w/o a car.

    • This just ain't right. If we decided to take over my mom's car and not give her one, I would have felt like crap.
  • Take over my mom's car and give her our old one.

    • My mom gave us the car when we needed it, so one good turn deserves another. This will save me from having to cart her around for errands and it will give her the ability to search for (and hopefully get) a job that is not attached to the bus system (crappy and not very extensive down here).
    We have talked it over and this is the best solution for us as a family right now, but I can't say I'm entirely happy with it.

    As for my mom, without going into major details, of all of our options, this was the best compromise. I get to live with my gf again and my mom doesn't face the prospect of being homeless (only a slight exaggeration). However, we haven't worked out an end-ate, though - I'm thinking 6 months. Keep you posted.

    Damn Single Ma, making me think when I don't want to!

    29 comments:

    Debt Hater said...

    Heh heh, going to graduate school is what put me in debt. Well, that's not fair. My bad money habits put me in debt, but before I bought a car and went to grad school I was totally debt free (except for school loans). My credit was immaculate and all I did was save my money because I lived at home and had no expenses. That said, if you have a dream and need the degree to do it, go for it and get it over with. I'll never understand people who stretch out their schooling over years, even decades. Just do it. Just be smart with you money at the same time and don't go into debt doing it... except for those loans... which I don't think can be totally avoided/

    Clink said...

    DH,

    Was this supposed to go with my other post? Eh, it's all good.

    I'm def flipping on the school thing. I can get an assistant position with the school, which will pay tuition and give me a small stipend. But, then I lose out on the benefits, most importantly, the health. I can get a pt job at a place that offers HI (like Starbucks, Home Depot, etc.).

    It might be time to really evaluate the numbers for this fall.

    Thanks DH.

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