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Topic : 12/21 One Paycheck Away

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Created on : Thursday, October 05, 2006, 04:42:21 pm
Author : DrPhilBoard1
(Original Air Date: 10/11/06) Did you know that your financial decisions could land you on the street?  Are you one paycheck away from disaster? Stacey has two children and one on the way, and she says she is close to being homeless and it's the fault of her kids’ deadbeat dads, and her parents who have cut her off. Stacey's ex-husband, Pete, says their son would be better off living with him. So, why does he refuse to pay child support? And, see what Dr. Phil provides for Stacey to help get her life back on track. Then, a hidden camera experiment shows how people really treat the homeless on the streets. And, meet a family who was living paycheck-to-paycheck when the money stopped coming in, leaving them homeless. Manuel and Heather and their four children have been living cramped in their RV for the last year, where they have no electricity and must take showers at public beaches. The difficult circumstances are taking a huge toll on their family, especially the children. How did they end up in this situation? Dr. Phil makes an important, life-changing announcement to the family. Share your thoughts here.

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December 17, 2006, 6:14 pm PST

I understand

Quote From: sngledad

I know what it is to live one paycheck away from loosing every thing. It seems almost every wek i worry about how im going to keep the elctric,water, and gas on. And at the same time keep my daughter fed and clothed. As a single father ther is only one pay check coming in and the child support is pretty much non exsistant. I have robed from Peter to pay Paul but Peter has cut me off and Paul is on his way to below poverty. I have exsausted all of my resources and now I am just waitign to see what happens next.
I never thought I would read an note like this from a single dad.  I understand truly and my heart goes out to you.  I hope your Christmas and you and your daughter will find someone with the heart and fihances to help you.  As I, like you, am in the same situation.  Michelle.
 
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December 17, 2006, 7:48 pm PST

12/21 One Paycheck Away

Quote From: sue504

My story is different than those usually mentioned.  I divorced my husband of 32 yrs after he moved to Bermuda for a job; quickly decreased the visits home to see his son who has Downs and I and then refused to move back as he liked the lifestyle and excitement of life abroad.  This was not his first job abroad as when he was a child he lived in Europe for 6 yrs and  again when we were first married we lived in Europe for 9 1/2 yrs. All throughout our marriage I either could not work( when abroad) or was a SAHM with our two children ( elder daughter too).  So the divorce settlement was he is requiered to pay alimony for a total of 6 years and child support for 6 + another 3 but only at a maximum of half the child support at that time. After that, no obligation. 

Well, after a full year of support he has: disappeared; married the bimbo he met online before I asked for a divorce; sold a house in Canada (he gifted her $40K towards before I had filed for the divorce);  was fired from  the job in Bermuda;   still not turned over the assets agreed to in the settlement; failed to provide the health insurance for our son and life insurance on himself to cover the supports incase something happens to him, halted our guardianship/trust account process by failing to pay his share of the legal fees to that lawyer thereby making it impossible for me to apply for the SSI and medicare benefits our son is entitled to; and to top it off, although he demanded to share custody, guardianship and trustee privledges.... he has chosen to not communicate in any form with our son, as well as our daughter, since the night he learned I'd filed for the divorce after discovering his affair!  That was since Setember, 20, 2004!!!!  Not even at the birthday and Christmas occasions! Nothing! 

 

So as of this past October, he has apparently decided to stop paying both supports. Nothing. And considering our entire income was from his support that has caused great grief now.  I had expected he would do this all along as evidence of his antics during the divorce process.  So I tied to prepare by saving as much of the support as possible by living on half of the amounts when I could and also gettinga part time job which I banked totally.  You see, I have never held a full time position nor finished college ( 1 yr before marriage at 19 yrs) so I have nothing to fall back on and no benefits no saving s now that I have had to use up all I'd saved for the past two months missing alimony.  He on the otherhand earned a 240K income plus bonus + 100K and all teh perks you can imagine. Besides his new wife has had a career too. So I have no sympathy for him having to pay us support considering our situation and the lenght of our marriage.

AS far as debt: I got the house , it has no mortgage, but there is a Heloc which I'd paid off withthe only assets I'd received.  After having a new rood put on I now owe $7800. Likewise  had to donate and sell the two old cars and I bought a new hybrid only this past summer.  That I hope I will be able to hold on to. Since my son can not drive and there is no public transportation I must have a car . I have no cc debt. I hate debt and hate the fact that I am going to be dragged  into debt which I had worked hard at avoiding and in which my Ex used to show no care about managing our finances.

Tomorrow I will contact a Temp agency and hope I can find something =though it will still have to be P/T as I have to be home to supervise my son befoer/after school.  Our only family members live + 500 miles away.  I have no reluctence to working infact I wish I could work full time as I have enjoyed the feeling of freedom and contributing to the workplace, but without the skills that I have to compete against seasoned workers I am doubtful of my potential success.  How I would love to be able to thumb my nose at my EX! 

So don't assume all folks in this situation are careless and lazy about their finances.  After I pay by bills in January, assuming the missing supports continue, I will have $200 left to decide what gets it. Then I will have to start selling things.  I do not have much of value to sell as Ihad to already split half of the home belongings with the Ex. The first to go I know will be his collection of wine which I got half of! The valuble items probably won't garner more than  a few thousand $'s at best.

I intend to move away but had hoped towait one more year as my son will graduate from his school where he is entitled to stay until 21 and this is the critical period for him with vocational training and job experimenting. So I hate having to pull him out and move to a unfamilar area if I can avooid it. But obviously his father doesn't care what happens to him. 

 

Okay, that enough of my ranting. Time to go find the artifical greens and get into the Christmas spirit and decorate so my son feels happy about the coming holiday. Wish I could feel that..

 

Sue

 you mention  a child w/ Downs ...is he eligible for SSI?  I know it's not much but every little bit helps and that's what it's there for (people w/disablities who NEED it)
 
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December 18, 2006, 5:50 am PST

12/21 One Paycheck Away

Quote From: faeryedark

 you mention  a child w/ Downs ...is he eligible for SSI?  I know it's not much but every little bit helps and that's what it's there for (people w/disablities who NEED it)
Oh yes he should be except for the fact that until the trust is in affect, if is father ever pays his share of the legal fees for setting it up, the funds currently sitting frozen in a mutal fund account which is in his father's and his names, can not be transferred into the trust and therefore this continues to be an asset under my son's name. Which of course disqualifies him form both SSI and medicare.
 
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December 18, 2006, 8:01 am PST

12/21 One Paycheck Away

Quote From: pkenadams

    We have a daughter who teaches kindergarden and lives from pay check to pay check. She is loved by her students, their parents, and staff. I wonder why when we trust our children to the school we don't worry about paying them. Her Supterindent left for a higher paying job and he was doing great things. Some schools seat back and make offers to obtain the better people.
The average income for a family of 4 in the US  was $65,000 in 2003.  This is with 2 incomes.   In 2003 the average teacher salary was $45,000 for one income.......that's more than half of what most 2 income families make.  I agree that teachers don't make what they are worth, but I wouldn't call them poor either.  They make higher than average salaries. 
 
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December 18, 2006, 4:54 pm PST

homelessness

 I work in a homeless shelter in Santa Barbara, California and unfortunately I am not surprised at this story.   Homelessness is so prevalent and it is my hope we will continue discussions and education and search for answers.  It is a very fine line between enabling someone and giving them the tools, support, etc. so that they can go on and succeed on their own.
 
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December 19, 2006, 11:01 am PST

your wrong

Quote From: brown72card

I think that the father who's paying the child support should have a write to know where the money is going.  If it turns out that it's going where that it shouldn't, then the father should fight for custody of the children.  I think that those who receive child support should be monitored, and make sure that it's going where it should be.

That money goes for all different things. He made the baby to, so he needs to pay and let her do what she needs to do. If he does not want to pay then should not be allowed to see his kids. Thats a bunch of bull. It is know ones buisness where that money goes. If the kids have what they need then she is doing right. Some men need to grow up and they do not have control over everything like they think they do.
 
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December 19, 2006, 11:10 am PST

I fill for her

my husband left me and started to pay child support, then stoped. It was very hard. I had never worked, because he never wanted me to. He remarried and had 2 more kids. My daugter and I did without alot, but we where never homeless. Now our daughter is 16 and i live in different state, so her dad has to pay up. he pays for most everything now including her car. Men want babies, but when they get to want something else, they think they can leave. It does not work that way. Some men need to grow up and stop thinking they can control us.

 
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December 20, 2006, 2:49 pm PST

12/21 One Paycheck Away

Sorry to make a post so long.

What infuriates me is that the majority of the men these days "think" they can STILL control these womens lives after  THEY are the ones that left the home life. Its a CONTROL issue with them and THEY want to know where the money is going? Let me enlighten those certain men/women where the money goes(from a single moms perpective,in some cases single dads as well):

 

1.  school fees/supplies(pending on the grade in school,Exp: the higher up in grade the more the fees)

2.  doctor office visits(if there is a co-pay)

3. BABYSITTER/ DAYCARE FEES(this is what takes the biggest chunck here)when the single parent works.

4.  gas (to get to and from work and/or doctor visits)

5. medical bills(what some insurances DONT pay pending on their percentage WHICH ALOT OF THE TIME ISNT MUCH, and the unexpected ER visits like child breaking a limb)

6. clothes

7. food (for the child's belly)

8. electric bill(for heat and etc)

9. water bill(child to take a bath)

10. the nessecities like bath soap/shampoo/toilet paper(to keep the child from smelling bad)

11. Rent (so the child can have a roof over their heads)

 

The list can go on and on.

 

Some(men/women) dont realize that WE(the ones taking care of thier child/children) have to make so much money last till next payday. Either way, they laid in bed and made these kids as well, and should PAY UP! And stop their whining.Yes, the money does help when your short on your paycheck(from you being sick). The point is that it really isnt any of the other parents business, IF the other parent has custody of the child, where the money is going. So I thought I might of summed it all up for those who want to see WHERE this money is going(mainly the non-custodial parents).

 

As for my situation: When me and my ex divorced (he left, cheated on me), we sat down at the table and agreed on him paying half of the med bills(of what my insurance DIDNT pay), hald the school fees/clothes/extra curricular activites and the like. The tables were turned,(he wanted to see where all MY money was going, his way of still CONTROLLING my life)My ex hubby was ONLY paying child support and doing his visitation thing, our daughter broke her ankle Jan. this year and would give all kinds of excuses ( Ex:he "didnt have the money", when they go out and eat ALL the time, "We(him and new wife) need a new car" they already had one and was saying that for the past 2 years) NOT to pay his half, after I had paid my half. It came down to where I PAID HIS HALF (insurance is in my name) just so I wouldnt loose the things I have worked hard for. Its been since Nov. since I have taken him to court, and he was court ordered to make payments every 2 weeks(very small payments). Since he gets to claim her on taxes this  2006 year(we alternate every year who claims her), the judge also ordered him to pay the balance IN FULL when he got his taxes this coming tax year(2006). His CONTROL issue was lost that day in court, and the tables were turned.

 

To me if its documented on paper and in the courts, they should follow through with their agreements (no matter their situation in their new home lives for the non-custodial parents). To the parents that are doing EVERYTHING in their power/will, just do the best you can and things will work out for you. Keep your chin up.

 

 

 

 

 

 
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December 20, 2006, 3:09 pm PST

12/21 One Paycheck Away

Quote From: gallier

That money goes for all different things. He made the baby to, so he needs to pay and let her do what she needs to do. If he does not want to pay then should not be allowed to see his kids. Thats a bunch of bull. It is know ones buisness where that money goes. If the kids have what they need then she is doing right. Some men need to grow up and they do not have control over everything like they think they do.

I completely agree with you, especially when the mother works and she is getting NO support what so ever. IT ISNT any of the father's bussiness  money wise to know where it is going i wrote a responce to that (hoping the staff lets it go up) that there is ALOT more to it then that, the fathers/mothers who ARE NOT paying need to concider this:

 

doctor bills, unexpected dr bills, rent, food, school clothes/fees, BABYSITTING(which takes a HUGE chunk), etc etc.

As for the fathers/mothers of uncustodial children, these people need to GROW UP AND QUIT WHINING! And stop with the "I think im going to have CONTROL over you" bit, you "think" they are controling the other in which they lost that control when they left the home life they HAD. I look at it this way they are "HAD BEENS". They had been a part of the home life they still "wish" they had. They have issues and need more couceling then what we think they do to get over the CONTROL issues.

 
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December 21, 2006, 2:20 am PST

January 2007

 I am anxious to see how Dr. Phil repsonds to the father.   My daughter is 13 years old and her father owes over $18, 000.00 in child support.   He continues to run, there is a warrant out for his arrest.    

I have recently become unemployed  due to health reasons and now have no income.  My family is not  even in my life, due to there choice and my daughter and I are looking at being homeless

as of January 1,2007.   I am very, very, very scared.  I have cried out and don't know where to turn.

As far as the child's father, I cannot make him be responsible and for the last 13 years have done my best to  raise  this beautiful girl.  Please someone out there, can you help.

 
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