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Old 11-15-2010, 10:50 PM   #1
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Friend Vent (sorry, long)

So I have this friend who is maybe the worst money-manager I've ever seen. I've known her for over 10 years now, and I can't tell you how many times she's had the power turned off, had the car almost re-po'ed, been evicted, and more. I've lent her money several times (I know, I'm a sucker), which I don't really expect to ever see again. But she was there for me during some tough emotional times, so I try to be there for her.

Anyway, I got a call from her tonight - I didn't recognize the number b/c she changes phones a lot. She left a message saying she needed a favor and to please call her. DH immediately said "no, you are not lending her money again," which I agreed with, as I have no money at the moment, and had even thought about calling her to see if she could pay back some of what she owes me. So I called her back and she and her partner are getting evicted - again - and she needs someone to look after her dogs for a week til they can move into their next apartment. I have no idea where they're staying in the meantime. So I talked it over w/ DH and he said okay, the dogs can stay here.

I guess I just don't understand what she's thinking when it comes to money. She makes a good salary, and her partner works, though not at a great job. Cost of living around here isn't the cheapest, but it's definitely do-able on what they make. It's not like they buy a lot of stuff, either. Sure, I've seen them waste money from time to time, but not enough to not be able to pay their bills month after month. Her partner has custody of her two daughters, gets child support (no deadbeat dad problems here), and the kids' medical is covered by their father. They don't do drugs or even drink. So what's up with the money???

I mean, I've never even bounced a check. Ever. I despise late fees and NSF fees. My current financial situation is driving me crazy and I haven't even come close to missing a payment on anything - even if I didn't have DH helping me pay my bills. So I don't know how someone can live this way.

Okay, I don't know what the point of this was. Maybe just send some pixies that she eventually figures out how to handle her money. And send some my way for looking after her dogs. I have the feeling they're not current on their vaccinations and I'm going to have to find a way to keep them separated from my gang. I know, I'm such a sucker.
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Old 11-15-2010, 11:09 PM   #2
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Sounds like your friend and her partner are just poor at prioritizing. Rent comes before eating out, electricity before movies, water bill before cable. Some people never get their priorities straight. And, since she hasn't really had anything horrid happen to her yet (I assume she's not been on the street, homeless and without any resort) - she'll never change. People don't change if they don't have any incentive.
She may not even NOT be able to pay her bills, but more just someone who chooses not to. My father had a neighbor like that once - they rented the house next door, paying first and last. They never paid anything after that, and it took the owner over a year to evict them - after 6 months of no payment! They had money, they just chose not to pay for their rent, since they could get another place quickly - and they had a house for 18 months for the cost of 2 months!

It's very kind of you to take her dogs for her. I'd talk to her about what she owes you still. Just let her know that you're having some difficult times yourself, and her paying some of what she owes would be great.
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Old 11-16-2010, 12:05 AM   #3
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I have a friend who is the opposite of your friend. She doesn't work, only her husband does. Their one salary barely covers their rent, utilities and food and I can't tell you the times she's told me about how they won't make their rent money that month. And yet, somehow they've got the money to take a trip to San Diego and Las Vegas for New Years this year. I make WAY more money than her husband does, and I still have to save forever to afford the vacations I take, and even then I still have to work extra hours. I just don't know how they do it!
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Old 11-16-2010, 06:43 AM   #4
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Old 11-16-2010, 07:50 AM   #5
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I'm glad you are taking care of the dogs. They deserve it. I would call the vet and ask about shots. My neighbor, who does rescue, was talking to me the other day about how she is no longer doing all the shots if the dogs still have immunity from previous ones.
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Old 11-16-2010, 08:40 AM   #6
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Why do people who can't pay their bills have pets? Pets aren't cheap and maybe your friend should consider finding her dogs loving homes with people who can afford to make sure they are current on their shots.
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Old 11-16-2010, 10:05 AM   #7
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Old 11-16-2010, 10:35 AM   #8
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Oh yeah, you're all saying things I've thought before.

I agree with you, Kris. If you can't pay the rent you shouldn't have a goldfish, let alone 2 dogs and a couple of cats (I'm not taking the cats. My dogs hate cats.) When DH and I talked about getting another dog, I reminded him how much shots, heartworm preventive, flea preventive, and everything else costs. We made sure we could handle the extra expense.

Unewillow, I know what you mean! DH and I have both worked as many as 3 jobs (1 full-time, 2 part-time/weekend) to pay the bills and have the money to go to WDW. If we can't afford it, and I mean afford it with plenty left over, we don't go.

Theresa, I think you hit the nail on the head. They move so often, I'm sure they're doing what your father's neighbor did. In fact, I once said to her, "wouldn't it be easier to pay the rent than move all the time?" She hasn't always been this irresponsible with money. When I first met her, she always paid her bills on time. She might bounce a check once in a while, but never got kicked out of an apartment. Once, when the electric got turned off at an apartment she had just rented, she said, "I paid them," but I had to explain to her that it doesn't count if the check bounces!! It's gotten worse since her partner moved in with her. She (her partner) has some interesting ideas. Once when she was unemployed, she told me she wouldn't work at Walmart b/c she has a college degree and that was beneath her. I thought, "you owe me money, no honest work is 'beneath' you!" I don't believe in work being "beneath" someone. They forget, I have a Ph.D., yet once worked as the Easter Bunny in the mall b/c it paid! That's just the way I was raised.

If she had asked me for anything other than taking care of the dogs, I'd've said, "no," - DH would divorce me if I didn't! But I said to him, "let's just do it for the dogs - this isn't their fault," and he agreed with me. We've been friends a long time, and I love her like a sister - like a sister who can't quite get her act together. There's one in every family, right?
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Old 11-16-2010, 12:05 PM   #9
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Old 11-16-2010, 01:04 PM   #10
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Old 11-16-2010, 02:11 PM   #11
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you ain't kidding there is one in every family...... Both my sisters have been this way. One more recently and she lost her house to foreclosure and does not work. I have no idea how she is paying for anything, but "suddenly" seems to have money.
I also do not understand why some one would have pets ,if they can't afford them.
You are a very good friend to loan money in the past and don't feel guilty if you have to say NO. I hope that the Dogs will have a place to go at the end of the week and not become your pets or be used to get money from you in order to send the pets back to the owner. Sorry ... Its how I think. I work more hours than I care to because my job demands it. I work when I am tired, don't feel well and because I need to pay the bills. Now I can relate to paying things late or being a procrastinator. But it affects me and not any children or any pets that count on me to be responsible.
I don't blame you for venting and I sure hope that you are not taken advantage of in this situation. Sounds like your DH may feel its possible. pixies that it works out ok and the children are taken care of too.
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Old 11-16-2010, 02:43 PM   #12
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Old 11-16-2010, 06:01 PM   #13
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Old 11-16-2010, 07:52 PM   #14
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Old 11-16-2010, 08:14 PM   #15
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You're right - there's one in every family. Sometimes you hit the "loser jackpot" and get more than one - I have 3 step-brothers, all over 35, who essentially live off my dad and step-mama. Long, convoluted story for each of them, but the end is the same - living in dad and step-mama's house or dead grand-ma's house while dad and step-mama pay their bills (dad and step-mama live in my old house but they pay all of their own bills).

Glad you're such a great friend to take care of the dogs. Hope they get their lives together, but it sounds like it's okay to them.
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