Parentals non stop whining about money.

[PROJECT N00b]

heres the deal, i had a WAMU saving acct that had about 300~400 in it, and it now belongs to my mom. why? because my phone bill as a kid was about 200 once. but now, i have another acct at world savings which is 400 why of 2000 dollars. and my last bill, because of the girl i was dating went up to about 300, but shes bitching about me giving her money to pay her back. i have to pay her back for my bill, and my college books. i get 575 from the govt for financial aid every semester, and the money goes there to the savings. the thing is, that when she knows i have money, she'll say things like "you owe me for this, and this and this..." the world savings acct was supposed to be a secret.

but back to the govt checks. originally i had asked her to make a checking acct to put the checks in, and guess what. she never opened one for me, instead she told me to go to my uncle syd and ask him to open one for me. when we got to the bank, he proposed that we make a joint savings instead and make the money grow, and use it on my supra.

so now, as i said in the first paragraph, she has been bugging me about the money. i know i owe her for the phone bills, but i also gave her 150 total for my xmas money and my bday money. i gave her 50 for the bluetooth/phone case for her black berry. the 100 dollars went to the bill that i have to pay for. i asked the girl i was dating before to help me pay for the 300 dollar bill, in which she has agreed to, so when i get that, im going to have to give my mom 400 more dollars.

oh on a side note, she spends money alot...like uses the credit card like crazy. which makes it seem like she has endless amounts of cash to waste on things...but when a 400 dollar phone bill comes up, she bickers about paying her back.

 

[JMDigital]

Ok.. first thing how old are you? I assume over 16 because you have a car. First thing you have to do it get a cell phone on your own. There has to be a better deal out there. I am in Floirda and there is a company that has a 49.00 unlimited talk plan. There has to be a deal like that in your area.. Get your phone out of your mothers name.. Then you pay for it. She leaves you alone. You can get a bank account without help, so get a new one, and divert all your money into it. The sooner you start to pay your own way the sooner you will feel better about everything. Nothing is better then saying "I dont ask anyone for anything, I pay my own way" If you are still in school then start small like the cell phone bill. 400.00 in 1 month is CRAZY! My house payment is $880.00 and I own the damn house. Get a handle on the cell phone dude!

Dont worry things get better as you get older. Hang in there!

 

[lagged]

priorities.

pay your mom back and stop borrowing money from her so she cant bitch at you anymore.

 

[supra90turbo]

That girl is unreal.
Say goodbye.

 

[PROJECT N00b]

thanks for the kind words. i am 18 btw. i plan on getting a job soon, so that everyone in the house can get off my back, esp. my dad. maybe at best buy but i need to look around. i have a handle on the phone now because im not dating her anymore...she fucking cost me money, and she was verizon. i just need to start driving fuck, they never let me drive. i was going to do the driving shit myself but my mom told me shell handle it. i want it now, because i need a job.

 

[whenmunkysfly]

thanks for the kind words. i am 18 btw. i plan on getting a job soon, so that everyone in the house can get off my back, esp. my dad. maybe at best buy but i need to look around. i have a handle on the phone now because im not dating her anymore...she fucking cost me money, and she was verizon. i just need to start driving fuck, they never let me drive. i was going to do the driving shit myself but my mom told me shell handle it. i want it now, because i need a job.

you do realize she is prob. spending the money you give her on the credit cards that you she her spending so much money on i have a cell phone with 3000 anytime min. and just about every extra on the map and i still only pay $80 and i know that im never ever going to go over. 300 is bull shit sorry to say get your own phone and stop paying for your mom's shopping habits

 

[PROJECT N00b]

you do realize she is prob. spending the money you give her on the credit cards that you she her spending so much money on i have a cell phone with 3000 anytime min. and just about every extra on the map and i still only pay $80 and i know that im never ever going to go over. 300 is bull shit sorry to say get your own phone and stop paying for your mom's shopping habits

i dont realize, i know. even my uncle knows. shes a spender...and when you get more money what do you do? save it? HELL NO! you spend it like no tomorrow.

 

[Mk3Jesse]

thanks for the kind words. i am 18 btw. i plan on getting a job soon, so that everyone in the house can get off my back, esp. my dad. maybe at best buy but i need to look around. i have a handle on the phone now because im not dating her anymore...she fucking cost me money, and she was verizon. i just need to start driving fuck, they never let me drive. i was going to do the driving shit myself but my mom told me shell handle it. i want it now, because i need a job.

get a local delivery job, you get to drive your supra, and make money , im doing it , and have been for the past year its a preaty good job for while your going to school.

 

[PROJECT N00b]

holy crap, what a great idea! maybe papa johns or pizza hut...well actually, ive thought about this one, and my uncle is offering me a job where i do office work. and if i get about 20 customers per month who want a refi, i get like 5k out of that. i just need to find the people that need refi's.

 

[JMDigital]

Yea. get a handle on the phone ASAP. If it was me I would turn the damn thing off till I found one I could afford.
Ok. we have to back up a bit. Im asking these questions to try and understand the problems better.

1. You are 18, is the supra YOUR car? in YOUR name?
2. You say "They never let me drive" Do you have 1 car in the family?
3. Are you currently in school? if so when are you finished with school?

If you are in school find a PART TIME job ASAP. I mean REALLY FAST. If you do not have a car for every day use, then find a job that so close you can walk there. I know this may sound a little drastic but trust me once you get into the work force you are 1 step closer to freedom. Remember to get this car 100% yours you will have to pay the insurrance and any other requirements your state needs to be legal.

The most fun I EVER had in life was when I was 18 and moved into a 2 story house with 5 friends! 6 of us in this house. We all split the bills and it was a BLAST . We were all broke most of the time but we pooled the little bit we had for the bills and food. We learned how to save and what a coupon was! Believe me when I say you are at a time in your life where you can choose to make it on your own, it will be hard, its suposed to be hard. In the long run you will be better then anyone that lived at home till they were 22 years old.

Sorry for the ranting, Just telling the quick story makes me smile about those times! I would not change that part of my life for anything!

 

[Mk3Jesse]

4 real just get rid of the phone.
if its that damn important theres allways apayphone. because 99 percent of the time your just bullshittin on the cellphone anyways lol. and dont deny it.

 

[PROJECT N00b]

true, i do just chit chat. but mostly on the weekends and nights. i hardly talk during the day. and if i do, its just "hey man where you at?...ok ill be there, peace" kind of thing.

 

[Mk3Jesse]

true, i do just chit chat. but mostly on the weekends and nights. i hardly talk during the day. and if i do, its just "hey man where you at?...ok ill be there, peace" kind of thing.

lol. yea i have one of those pay as you go phones, that i use just to call "where you at, ok on my way" type thing cost me like 20 bucks every 2 months or so


you definently need to get that figured out asap. get a job though quick! lol.

 

[PROJECT N00b]

thanks man. ill be looking around. i need a reason to start driving, and since going to college isnt good enough. im thinking something drastic.

 

[Satan]

...man-o-man....


My kids think the same... he whips out the card like there's no tomorrow...

Thing is, us grown-ups budget for stuff... needs and wants. When you throw a monkey wrench in there, it really does make alot of $$ stuff go out of synch (or what was planned). Sure, I buy and pay for stuff and it's all kewl, but I know what's in the account and what's coming next payday.... meaning I know what I can spend and when (and I pay the bills on time).

If ya don't wanna hear it, U need to be more responsible. You can't go around writing checks that someone else has to cash, especially when they aren't expecting it and get blindsided. It's really not fair to your mom.

My 15 year old son's beggin' for a cell and ain't gonna get it. The 9 year old has one 'cause her dad pays for it, so we have our mini-battles about it. Thing is, it would still be my problem/responsibility financially and I ain't signing up for that.

I know you're just lettin' off steam, but you're 18 and this is grown up responsibility stuff. I hated to hear it when my parents and other adults said it but, "you'll understand when you have kids and responsibilities."

Good luck!

 

[PROJECT N00b]

thanks, glad to hear a parents point of view. i get what youre saying, and i know its my responsibility (which i have handled).

 

[bigaaron]

A $300 phone bill is a big waste of money regardless of who is paying for it. Sounds like you are missing the point that your mom is trying to teach you how to be responsible with your spending. The problem is not having to pay your bills, the problem is you ran up the bill in the first place and you don't have the money to pay for it. It looks so easy when everything is taken care of for you and all you have to worry about is you and your car. But add a mortgage, home insurance, food for a whole family, utilities, health care, etc.... It gets a lot more complicated.

 

[PROJECT N00b]

i do have money to pay for it. and its going to be in her hands tomorrow.

 

[bigaaron]

Ok, now you missed my point too.

 

[PROJECT N00b]

i know, i know. its all about responsibility. i get your point. i have no excuse for not being responsible, i know i have to get my shit straight. i have to. im already 18 for crying out loud.