I made a mistake with an electronic debit that will go through tomorrow thinking tomorrow is my payday. It turns out my payday isn't till Friday but to the company I owe money to, the 31st is a banking holiday and by the 1st my bill is considered late. Now it's too late to change anything. I called the bank. Sure the debit will get paid but I will be charged for it. So I call my mom for help. I ask her to transfer the amount into my account so it clears and I'll transfer it back the next day when my direct deposit goes through. I thought it was a simple solution. It saves me overdraft fees. This is a mistake I have never made before. I am a single mom. I raise 2 kids on $13 an hour before taxes and no child support. I live paycheck to paycheck. I got rid of my car so that I could pay bills and the debts of my failed marriage. I pay for my children's health and dental insurance because my employer doesn't offer family coverage. I put 100-200 a month towards a debt on my credit report so that I can fix it and buy a home one day. I pay for my life insurance in case something should happen to me. I don't even have cable because it's an unnecessary expense at this point. Well, my mom yelled at me. She told me I'm 24 and I have to get it together and that I'm irresponsible. When she started criticizing my parenting, I told her to forget it. Then according to her I was "acting like a brat. Just do it but never again." I said no. I'd rather deal with the stress of the lost money to overdraft fees than this. I'm 24 and I chose to be a mom and it's time to suck it up and do it on my own. I even went into my wallet to cut up the credit card her sister, my aunt, gave me in case of an emergency (because it comes with strings attached).
Am I out of line? I want honesty. I don't want to come off as a brat who didn't get her way and expects everyone else to fix it. I just feel like if it's not coming from a good place, I don't want it. I don't want to beg for help and have it used against me.
Asked by Anonymous at 7:04 PM on Dec. 29, 2010 in Money & Work
Answer by MrsMWF at 7:10 PM on Dec. 29, 2010
Answer by luvmy4kidsinAL at 7:14 PM on Dec. 29, 2010
Answer by geminilove at 7:16 PM on Dec. 29, 2010
Answer by Erica_Smerica at 7:52 PM on Dec. 29, 2010
Answer by BridgetC140 at 6:32 PM on Dec. 30, 2010