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Need help w/ family and financial problems?
I've been laid-off from where I used to work for about a month, and I'm looking for another job. I live with my Mom and Stepdad, and during that month my stepdad had a five bypass open heart surgery operation. The insurance he had isn't good at all, we haven't yet got the actual surgery bill, and we already owe around $60,000 or more. I already gave them $3,000, to help, but that isn't even putting a dent in the amount owed. My real Dad has an apartment close to where he lives, and I was wondering should I stay with my Mom, because until I find work, I'm actually costing them more money on insurance, groceries and all the other things? Or should I take what little bit of money I have and move into the apartment and hopefully find work, so that they don't have the extra expenses that I can't fully pay right now, and that would lower their expenses? I will tell you all in advance thank you, for your answers and hopefully you can help me make a decision.
Public Comments
- I would stay with your parents. Are you getting unemployment? Find a temporary job or even a part-time job to help with some finances around the house. Your mom might like having the extra assistance around the home especially while your stepdad is recovering.
- This may sound unconventional, but what I would recommend to you and your family is to completely ignore the medical bills. It sounds like the financial situation is dire, so I would prioritize what the most important expenses are to pay right now: rent/mortgage, food, utilities, clothes, etc. If your step dad is ill, chances are he isn't bringing in much money. So I bet every penny is needed for necessities. Moving shouldn't be necessary. I am sure your mom and stepdad love you very much and the expense of having you around is not something they regret. Do what you can to defray expenses. Get a job to help pay the bills. Sit down and do a personal budget and identify where the money is going and find places where changes can be made to lower expenses. And ignore debt that won't have significant consequences if not repaid. That includes unsecured debt like credit cards and medical bills. It will adversely affect your parents credit, but that can be repaired. Some credit problems certainly beats poverty. So don't pay one dime towards those expenses until you are in a position to pay all of them after meeting all of the necessary expenses of day to day life. Hope this is helpful.
