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Tired of supporting the lazy

Nicole442's picture

This will be lengthy so I apologize in advance. SD18 who lives with us decided she wanted a new vehicle. Evidently the one we furnished her was not good enough. I was against the idea and made it clear that she needed to drive the one we gave her until she found a full time job. She was currently working a part time job. The vehicle we gave her was paid for. DH gave in to her and talked me into financing the new vehicle because his credit is crap. We sat down and talked to her before buying it and told her that the payment and half of the insurance on it would be her responsibility because we couldn't afford to pay it for her. We also told her that if she couldn't afford it working her part time job that she would need to quickly find a full time job because again we couldn't afford to pay it for her. She agreed to these terms. The vehicle is in my name and the loan is in my name therefore I have the title and the spare set of keys. She has had the new vehicle for three months. She made the first payment and her part of the insurance but after the first payment was made her hours got cut at her job therefore we ended up paying the second payment and her half of the insurance. After we had to make the second payment DH sat her down and told her that she would need to actively look for another job with more hours so that she would have the money to make her payments. The third payment rolled around and guess what....she didn't have the money. She made enough money that month to pay it but blew her money on fast food and such therefore when it came time to pay the payment she had no money left to do so. She has not even for one day tried to find or look for another job. DH's salary just got cut due to the company he works for downsizing and we have even less income now than we did when I financed the car for SD. She is not concerned in the least that we have had to make two payments and her part of the insurance. She has not said thank you or i'm sorry you had to do this. When she's not at work she lays on her butt in her room and watches Netflix and eats all day. And don't even get me started on the fact that she doesn't lift a finger to help in the house at all. Her room stays filthy and her bathroom stays dirty to the point that I refuse to go into her end of the house. DH is very docile when it comes to parenting and punishing her. He is content to just keep making the payments and let her lay on her ass while we do everything. I am not this way. I want to make her a productive member of society by teaching her personal and financial responsibility. I guess I am looking for advice on how to approach this situation without causing major problems in my relationship with DH. SD has been babied and coddled all her life. She has never been made to do anything. I am ready to take her keys and park the car in the yard until she can understand that it is her responsibility to manage her money and make her payments. She'll get her keys to go to work and work only. When she isn't at work she doesn't have a car. 

Comments

tog redux's picture

Sell the car and tell DH he can buy her a 2K beater car if he has no credit. Not your problem.

People can't walk all over you if you aren't lying on the ground.  You are allowing them to treat you this way.  Is there a way to do this without DH getting angry? Probably not.  But who cares?

Harry's picture

If you will not take that bad of a beating on it.  Not a new car anymore, used car, normally lose a few thousand on that. But she should not drive it if can not make the payments 

Letti.R's picture

She agreed to terms and reneged on the agreement.
Car is in your name.
Sell it and be done with it.
She can work out her own transportation solutions whilst lying in her room doing little productive.
 

DPW's picture

Repo the car yourself and sell it. I don't even understand how this situation happened, to be completely honest with you. I cannot imagine myself financing a car for a skid, let alone an 18 year old skid whom you've described as essentially a sloth living in your house. 

Nicole442's picture

I guess I expected DH to step up and make her do what she should for once. Especially since our finances were tied up in the deal. But I should have known better and went with my gut and said Hell No from the get go. Hard lesson learned and I will never finance anything for her again. 

StepUltimate's picture

You knew it would go this route; magical thinking to expect anything else from this SD.

Sell the car. SD needs consequences. She lied and scammed her dad into guilting you into overriding your instinct.

Your hubby has sh*tty credit for a reason. That should be the LAST time you follow his financial advice. If he argues and gets all butt-hurt, tell him to come back & talk to you about his financial opinions AFTER his credit score is higher than yours; until then, SHUT IT. 

Stand up for yourself. You were not born to be a doormat ATM machine.

DPW's picture

I would have started much smaller in hoping he'd step up than a newer, not needed car for irresponsible SD. But trust me, I'm not judging - I've made my fair share of mistakes against my gut judgment as well.... We live and learn and sometimes it costs us a lot of money for a life lesson. 

Myss.Tique D'Off's picture

Agreeing with all above who say sell the vehicle. I don't understand why any parent would buy a young kid or new driver a new car - and I don't care how much money they have. Much less, seeing how irresponsible she is and not holding up her end of the bargain.

Here (UK), one in 5 new drivers are involved in a smash in the first year of driving. One in four (26%) between 18-24 are involved in a car crash in their first four years of driving. Even though under 19yo are only 1.5% of licenced drivers on the road, they account for 9% of serious traffic accidents or  fatalities as drivers. There is no way in hell, I would give a young driver a new car based on this. 
My SS18 is driving my old car - it is 5 years old - but he pays (through his nose!) for the insurance and taxes. He pays for it - if he doesn't he will lose the car (my rule), and possibly his licence if he is pulled over for driving with no insurance (thanks to the traffic police).
I won't play games with him if thinks he can mess around with responsibilities he has agreed to.
 

CLove's picture

I told her that at 16 she will take her driving test for a permit, to practice driving with an adult. She said "that sounds like fun!" Then I told her that after she gets her license, she will get a used car, because brand new ones always are stressful to drive, because you are always worried about scratches or dings, or someone runing into you. I told her the general cost of new compared to used. She said "wow!" Yup. Prepping her for the future.

And I did mention a job and school that she will be worrying about. This stemmed from a conversation about pets and the fact that later she might want a dog. I said - you will be so busy with school and job and friends - you might want to wait until after college. More prep. I dont want to be arguing over pets with SD.

Got to prep these kids!

SecondNoMore's picture

Like most problems on this site, it's less about the SK than it is about the DH. Not a surprise that a grown man with bad enough credit that he needs you to buy the vehicle is raising a kid who is not financially responsible.  I think your big mistake was in being a part of the transaction and I hope that all payments she's missing are being covered by your DH and do not adversely affect your joint financial situation, though I highly doubt that. At this point, you need to stop avoiding conflict to your own detriment and confront the DH. I agree with tog redux... You are allowing people with highly questionable judgment to walk all over you. Time to put your foot down and do what's best for you and your credit.

hereiam's picture

Your own husband's credit is crap, he had no business asking you, and you should have never let him talk you into financing his daughter. Why did you allow it? Please learn from this. Repo the car.

Honestly, I don't know how you can have any respect for your husband. Forget about the fact that his daugher already had a vehicle to drive, but then he expected his wife to finance a new car for HIS daughter, because he couldn't. User.

SteppedOut's picture

Yep. No way I would have financed a car to begin with, but here you are. 

YOU shouldn't be worried about causing major problems by taking action on this VERY SERIOUS FINANCIAL MATTER. Your HUSBAND should be be worried that YOU ARE MAD. 

So now not only have your expenses increased, but your husband is making less.

Draw a hard fast line. She gets a job immediately and starts paying for the car and insurance or no more car. NO MORE. Your husband can take her to/from work or a friend or you don't care because it's not your problem. But it IS YOUR CAR. 

Nicole442's picture

Thanks for all the advice guys. This is exactly what i needed to kick me in gear. I am fairly new to being a SM and was still adjusting to life with SK being I do not have kids of my own. It has been a really stressful transition for me. There are a lot of things that I have wanted to say but bit my tounge to keep the peace but am now learning that my feelings matter just as much as everyone elses. I am tired of walking on eggshells to protect everyone else's feelings when they obviously don't care about mine. It's time for some tough conversations. 

StepUltimate's picture

Study this website, you're in good company because we totally get it. Lots of us started out being sooooOOOoo nice... and noticed it wasn't respected and was frequently taken advantage of. It breeds disharmony and unbalance to your relationship, lots of stress and anxiety, then resentment, disguest, paranoia and Being the Bad Guy for wanting some very basic respect. It gets worse & worse the longer it continues.

Don't beat yourself up; instead, decide what YOUR next steps are and take action on getting rid of that car. Don't ask DH, just DO. SD broke her contract in every way, as did your DH for 100% failing to parent her and enforce consequences of the agreement. Wife is #1 and MUST be respected. You are self-supporting through your own contributions, good job. DH & SD need to be like you, not glom onto your good credit.

Once again, you have good instincts. Trust your gut, don't get played by User SD and Guilty Daddee into ruining your own credit.

You got this!

Monkeysee's picture

It can take a while before you feel empowered enough to stand your ground & stick up for what’s important. I put up with a ton of crap before I finally said enough to DH.

Luckily for you this situation has a really easy solution. The car is in your name, not SD’s, and if she keeps missing payments you simply take it off her. She doesn’t need a car, and if she does need one then she can grow up & be responsible about it. Not sure why the car needed to be brand new, clearly this kid needs a reality check.

Take care of yourself or the two of them will trample all over you. Keep us posted!

Chmmy's picture

Hmmm DHs credit is bad so you finance the car. This should end well. When someone's credit is bad, there is a reason for that.

morrginme's picture

I can already hear my SD sceaming "but you gave it to me!" 

We are human. We make mistakes. We also have the right to change our mind and not feel guilty about it.

SonOfABrisketMaker's picture

what kind of car did you buy yourself 3 months ago? I agree, sell your current car and take the new one. You’re paying for it, might as well enjoy it.

shamds's picture

and the difference you lose out on from purchase price to finishing paying off the loan, daughter owes you back.

be very firm with this. When she is a sloth she should be made and told to get a job. Give a time limit she has a month to get a job or she is kicked out on the street. When the day comes and still no job, she is out and door locks changed so she cannot enter.

only then will she know you mean business.

no way i would sign up for a loan for skids, there is this saying never get into business with family, its a bad idea as always goes south then you’re up financially and the relationship is permanently damaged. If hubby told me his credit was bad i’d say tough shit

Exjuliemccoy's picture

Remarriages (or any relationships involving children from a previous relationship) are very different from first marriages. In general, each person is responsible for their own baggage, including debt, child support, child rearing, etc. That whole Brady Bunch-we're a TEAM pap is nonsense. Your H has a kid - you don't, and are in no way obligated to support her, feed her, socialize her, or house her. But you've fallen into the stepparent trap of being too nice, and where has it gotten you?

In steplife, nice guys finish last. You have to be able to stand up for yourself, draw boundaries, and say NO and mean it. Your H has found a soft place for himself and his daughter, hasn't he? But rather than be grateful, he leveraged his relationship with YOU in order to give SD a car. Do you understand that? He prioritized spoiling his UNDESERVING slug of a daughter over your financial security. Chew on that as you open up a new browser to order a sleek pair of Bi!ch Boots.

I get it, not everyone is great with money. And it's actually a good thing this happened early in your marriage. The lesson is in front of you, so learn from this. Keep your finances separate, take care of YOU first, have your own financial plan, and never spend another dime on someone else's kid. Make your next blog a question about how ST members handle finances in blended families. You've learned an important lesson about your H - you cannot trust his judgement where his kid is concerned, and will always have to keep a close eye and your own counsel on the finances.

Once upon a time, I had a slug of a teen SD. I spent 5+ years raising her for my non-parent H. She finally got her driver's license at 18 after I resigned as chauffeur. Post high school, our arrangement was she could live with us rent free as long as she was enrolled in community college and working. I had an older convertable I let her use as long as she paid for her own insurance. She had it made, IMO.

I discovered that she had been forging payment receipts for auto insurance FOR MONTHS, putting me at risk for liability. Took the keys immediately, and donated the car to charity. I am the queen of my castle, as are you. So shake things up, and make your H toe the line if he wants to stay married to you. He is responsible for two-thirds of the household bills, PLUS the car payment, PLUS all expenses related to his daughter. Don't cover for or carry him.

 

StepUltimate's picture

Really great post, especially love this part:

"Chew on that as you open up a new browser to order a sleek pair of Bi!ch Boots."

Powerfamily's picture

Sit them both down and tell them if payment of all outstanding monies and the next payment of $X amount are not paid in full on the next payment then SS will not be driving the car.   That YOU will not or in the future support SD are she is an adult and as so she is responsible to cover her costs.  I would arrange for the car to be stored at a friends house so SD can't drive it.

And if your DH doesn't like it tell him to get a second job to pay for his 18 yr old ADULT daughter who is to lazy to get a full time job.

I would also change the Netflix password or even turn of the WIFI while your at work.

Physics guy's picture

Ever since SS moved in there has been a vacuum cleaner sucking up my savings and spare $$$   it gets old fast.

Thumper's picture

Physics guy...please do not give one more cent of your hard earned money. Bm and dh are responsible not you.

 

 

Thumper's picture

OP and anyone else.

NEVER EVER co-sign a loan for anyone. I wouldn't sign for my own bios and I LOVE THEM to the moon and back.

It is one thing to gift $$ to them towards a down payment. Thats a gift. IF you have to co-sign it is because they cant afford it or their credit is shot. Do you really think the bank wont come after YOU because fee's fees are involved/

Co-signer of student loans, usually aging parents, are seeing garnishing all monies they can find for repayment of delinquent kids loans. DON'T Co sign ever.

OP if you peel back the layers here you co-signed to prove your nice. You thought it would prove to dh your wonderful and that he would appreciate you more.....so sorry this happened. DONT do it again.