Author Topic: Divorce Disaster, Anyone?  (Read 26206 times)

N.

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Divorce Disaster, Anyone?
« on: February 27, 2013, 11:00:26 AM »
Dear Mustachians,

I bow down to your bad-assity and would love to see what you can do with this. While on the outside it appears as though my situation is unique, I posit that many divorced parents are in a similar boat. I would very much appreciate your advice (and hope that given my sensitivity around several of the details, you will be kind).  :)

To begin with the worst of it, my husband has two kids from a previous marriage with whom he shared custody on an equal and rotational basis. His divorce settlement required him to pay an absolutely exorbitant proportion of wealth to his (greedy - there's really no other way to put it) ex-wife. Essentially, every penny beyond rent, food, haircuts, dental bills and the occasional *treat* such as Christmas presents for his kids went to her (nearly a cool quarter million, in case you're wondering).

Fortunately, his ex has now glommed onto another poor sucka and has finally "agreed" to lower the payments to $0. This is a joke, really, since a) one of the kids has turned eighteen and is therefore legally ineligible as a cash cow and b) the other kidlet lives with us full-time.

(Lovely readers: there's nothing you can say on this subject other than to acknowledge that it's truly suck-tastic. Please spare me the finger-wagging and just be thankful you're not on the losing end of an imbalanced family justice system that sees men as scumbag-personal-ATM-machines for women who hide income and laugh all the way to the bank. Let us move on without focusing on the unchangeable, yes?)

On my side, while I purchased my first home with money saved during a successful early career run at the ripe age of 22, the housing bubble saw me lose that and much more (long and irrelevant story) for which I have finally recovered. Devastating lesson learned.

The point is that we are were we are, which is very behind. A string of difficult and unlikely personal circumstances coupled with two, ahem, *very* expensive kids means we're now staring down 40 with absolutely zero savings. We are not consumers by any stretch of the imagination, and aren't here because we've spent ourselves into financial armegeddon. As an aside (which is relevant only to illustrate the depths of personal loss and sacrifice we have both endured), I have also given up my dream of having a child of my own for obvious financial reasons. I am heartbroken. We find ourselves essentially at ground zero and are looking for advice on how to begin anew in a life neither of us would have chosen had we had the foresight that only 20/20 brings. At least we have each other!

Onward.

While his job pays well, his schedule requires that he travel nearly 75% of the time. We agreed that I would stay home to care for his daughter until she finishes high school. Behind the scenes, I'm busting my ass trying to get a business off the ground utilizing skills for which I studied (with an additional two decades of experience under my belt). The reason for this is two-fold: one, I enjoy the work immensely, and two, this allows me to stay home for our daughter, otherwise we're back to paying support for the kidlet to live with her mother - kind of like the circumstance of paying for childcare and working for nothing.

Here are the monthly details:

Zero savings
Zero debt

Income:
$5400 net paycheck
$400 reimbursed mileage

Expenses:
Rent - $1500 (Unchangeable as we scored a deal on a house within walking distance of kidlet's school which is, unfortunately, a condition of her living with us full-time. On the bright side, we're roughly $400-500 below market value on this old and cheap townhouse in our questionable neighborhood.)
Life insurance - $100 (Also a condition of the divorce agreement.)
Car and home insurance - $170 (Outrageous, yes, but also the lowest possible - rechecked every single year - for our 11-year-old-paid-for car with 190k miles and an extra rider for necessary business equipment.)
Gas - $260 (Moving closer to work is impossible per the divorce agreement. Currently we are situated half-way between the office and the airport which is ideal given his travel schedule and our current living-situation limitations. We are, however, reimbursed for mileage as noted above.)
Car maintenance/licencing - $300 (It's old. We'd get maybe $500 for it. We don't have savings for another. Figure includes all maintenance and new tires last year averaged into the figure.)
Utilities - $285 (Includes internet for both his work-at-home days and my business.)
Cell Phone - $110 (A condition of his employment, though does include my phone rolled into the family plan - we don't have a landline and have never had cable.)
Groceries - $900 (No lectures please! We live in Canada and are raising a very active teenager. We don't buy anything out of a box or a can - this is veg, on-sale meats, fruits, grains/rice/beans, and the occasional bulk-section bag of ju-jubes or a tub of on-sale ice cream. If you're familiar with personal finance sites, you'll know that the difference between food costs in Canada versus the US is astronomical.)
Toiletries - $75 (I make all of our products from wholesale essentials oils and natural ingredients and also make all of our home-cleaning items. This figure includes medically-necessary eye-care products.)
Medical and dental for the family (fluctuates) - $150
Clothing for the family (fluctuates - averaged - mostly includes suits for hubs in his high-profile job and clothes for a rapidly growing kid) - $100
Gifts (averaged over the year) - $50
College savings for kidlet (we're on the hook for 25% of total costs per the divorce agreement) - $300
"Fun" money - $0

Total: $4300

"Extra": $1500 (money previously sent to his ex-monsterwife, now free to be saved for our own well-being. Unless she breaks up with her boyfriend and comes knocking on the door for more money. Again.)

We have two and a half years left until kidlet two finishes high school, and one year where she's likely to live with us during her first year of college. Until then, we're stuck. During her second year, however, we can then move anywhere we wish, we'll have a dramatically decreased food bill, smaller utility bills, and generally more freedom in terms of our finances being released from the wretched divorce limitations.

Any thoughts? How can we get on a mustachian path and finally put the difficulties (financial and emotional) behind us?

Use it up, wear it out...

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Re: Divorce Disaster, Anyone?
« Reply #1 on: February 27, 2013, 11:32:04 AM »
It's great that you have no debt and have freed up money to start saving. Find a way to invest that money, ASAP - if you don't have an emergency fund, build that first or get a line of credit started or something.

However, what I think you're asking about here is - ways to save more. This is hard for me, as I live in the US, so YMMV. Some first thoughts from your numbers:

  • The car is killing you @ $730 / month. Even with auto financing on a used car, you may be able to do something there.
  • Clothing - seems a bit high. Can you get hand-me-downs for the daughter? What about sample sales? My wife just brought me home 5 dress shirts and 2 nice sports coats for under $25
  • Utilities also seem high. What's the breakdown? My current electric + gas + internet + phone = $160 / month
  • Groceries - consider going vegetarian. Don't buy organic (don't know if you already are).

sherr

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Re: Divorce Disaster, Anyone?
« Reply #2 on: February 27, 2013, 11:54:22 AM »
That is truly a suck-tastic situation.

In addition to what Use it up said I'd also recommend checking to see if you can get a cheaper cell phone plan. I assume it is just the phone that is required for work, not the plan itself, yes? Granted that I don't use mine very much, but here in the US I spend under $10 a month on cell phone bills and still get everything I want out of it. http://www.techmeshugana.com/2012/10/dial-c-for-canada-eh/

40 is late to start, but in my opinion you shouldn't give up on your dream of having a child just because of financial reasons. You may have to work later in life as a result, but that's at least a conversation you can have instead of just writing it off as "we can't afford it." I don't have any yet but I believe children can be raised without being that expensive...

http://www.mrmoneymustache.com/2011/10/12/avoiding-ivy-league-preschool-syndrome/

KulshanGirl

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Re: Divorce Disaster, Anyone?
« Reply #3 on: February 27, 2013, 12:22:18 PM »
I have also given up my dream of having a child of my own for obvious financial reasons. I am heartbroken.

Don't give up on this.  Things change.  People in great financial situations fall, and people without much money get on a good plan and succeed.  But your window for having a child is something that can close for good.  Don't let it!  There's no amount of financial independence that can or should ever make up for heartbreak.  Work the child into your plans. That's my two cents.

unpolloloco

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Re: Divorce Disaster, Anyone?
« Reply #4 on: February 27, 2013, 12:28:44 PM »
It's great that you have no debt and have freed up money to start saving. Find a way to invest that money, ASAP - if you don't have an emergency fund, build that first or get a line of credit started or something.

However, what I think you're asking about here is - ways to save more. This is hard for me, as I live in the US, so YMMV. Some first thoughts from your numbers:

  • The car is killing you @ $730 / month. Even with auto financing on a used car, you may be able to do something there.
  • Clothing - seems a bit high. Can you get hand-me-downs for the daughter? What about sample sales? My wife just brought me home 5 dress shirts and 2 nice sports coats for under $25
  • Utilities also seem high. What's the breakdown? My current electric + gas + internet + phone = $160 / month
  • Groceries - consider going vegetarian. Don't buy organic (don't know if you already are).

Car: The car is really less than that since the insurance includes home/business insurance too.  Probably in the 600-650 range in reality.  Assuming its gas mileage isn't horrible, the only real savings here is on maintenance.  How much of that $300/mo is maintenance?  Can you do some/all yourself?

Groceries: See what you can do to find cheaper places to buy food - Is there an Aldis or Save-a-Lot equivalent there?  This is probably your best area to save money.

Since you're rather stuck with most of your expenses, your self-employment becomes all the more important - focus on this and try to start things up as cheaply as possible.

DoubleDown

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Re: Divorce Disaster, Anyone?
« Reply #5 on: February 27, 2013, 12:29:17 PM »
Been there, done that. Sorry to hear you're living through it too. You are right on all counts about the ludicrous divorce/family court system. It is devastating, not just financially, but also personally when children are involved.

My advice, beyond the standard "cut expenses and maximize savings", is to relish in your new-found positive cash flow, your upcoming freedom from some of the constraints in a couple of years (there will always be some remaining where kids are involved), and keep a positive attitude towards the future. Do everything you can to make things the best you can for the children (sounds like you're already doing that). As hard as it is, it's important to let go of the anger because the children will definitely sense that. Regardless of how awful the ex might be, she's still Mom to them. You can't just "pretend" with them, you really have to let go of it and be grateful for the life and new opportunities you do have. On a personal note, my current wife is still pissed at my ex and the hell she put me through. But her being angry just makes it harder for me and my kids.

Your decision on having kids yourself is obviously very personal, but I wouldn't let the financial side hold me back from having one since you say you're heartbroken over not having one. You only have a couple of years until you're almost completely free of financial and living constraints. I just don't think kids are that expensive. I wouldn't want to reach that date and regret not having your own since it's important to you.

If it makes you or your husband feel any better, my divorce after 9 years of marriage (wife was a stay-at-home-mom for about half that time), dwarfs what your husband paid/is paying. After meeting the alimony and child support obligation each month for the first three years, I literally had $100 of my paycheck left over for everything else to provide for me and my two young children -- rent, utilities, food, insurance, clothing, gas -- everything. That $100/month is not a typo.

Rather than further divesting assets (my divorce coincided in time with the market crash in 2007), I lived off credit. It turned out to be a good decision, since credit was cheap, and the market has since rebounded. I was living in a small apartment with my kids, trying to be as frugal as we could, while my ex was living in a 5BR/4BA house, driving a luxury SUV, having a paid yard service, etc. -- all while not working, courtesy of the court system. But fast forward to now, and things are a million times better. It will get better for you too if you focus on the positive.


decon50

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Re: Divorce Disaster, Anyone?
« Reply #6 on: February 27, 2013, 12:32:05 PM »
if it was me, priority #1 would be an emergency fund.  $1,500 a month will go along way to get that going. 

priority #2 would be your business.  could some of this extra money be used to further develop your business?

Norman Johnson

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Re: Divorce Disaster, Anyone?
« Reply #7 on: February 27, 2013, 12:47:51 PM »
OP, some of the stuff you are listing doesn't seem too out of line for average Canadian household, other stuff you could try to lower. On the other hand, you ask for thoughts, but previously asked for no lectures in the post! I'm not sure what's up, but assuming you want my opinion:

I think you could cut down on the amount of gas you use (biking and walking, combining trips, etc) and I'm curious about this: "Car maintenance/licensing - $300" In my province, we have public insurance, so we pay licensing and insurance to the same provider, no shopping around. You had another category for insurance/mtnc on your car as well. My thought is if you are spending $300 a month fixing the cluncker, it might be time to find something else.

Because your husband's phone is a condition of his employement, can his employer kick in some money? Can he have a pared down plan?

Emotionally, I think you need to let go of the bitterness and anger. If you hate her so much, why are you letting her take away your emotional energy? I mean, why go through the added effort of typing out "monster" and then the tags to cross it out, and then "wife"? Wasted energy on someone you obviously don't like. You could be spending that energy on your business, know what I mean?

iamsoners

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Re: Divorce Disaster, Anyone?
« Reply #8 on: February 27, 2013, 01:26:43 PM »
Quote
As hard as it is, it's important to let go of the anger because the children will definitely sense that. Regardless of how awful the ex might be, she's still Mom to them. You can't just "pretend" with them, you really have to let go of it and be grateful for the life and new opportunities you do have. On a personal note, my current wife is still pissed at my ex and the hell she put me through. But her being angry just makes it harder for me and my kids.

+1

As a child of divorced parents, and a spouse of someone who has the same, I couldn't emphasize this enough. Your anger will show through and it's hurtful and awkward.  Just last Christmas we were trying to give the mother in law some financial advice but her level of anger over their settlement/alimony situation bled through to the point I had to end the conversation with "that's your son's Father, we can't talk about that" (after she wished death upon him...).

Quote
Don't give up on this.  Things change.  People in great financial situations fall, and people without much money get on a good plan and succeed.  But your window for having a child is something that can close for good.  Don't let it!  There's no amount of financial independence that can or should ever make up for heartbreak.  Work the child into your plans. That's my two cents.

+1
Don't give up something that will be unchangable.  You can work until you're 70, you can't have babies until then.  If it's something you and your husband really want, you can make it work.  And if you make the decision because of her, you'll never be able to forgive her. Don't base the decision on the dictates she's put in your life--do it based on your own free will.

As for the rest, there's been other great advice here on cutting expenses--one thing I remind myself as I look at budgets and cutting back is that yes, every time people suggest a cut I can argue back with WHY my xxxxx has to be expensive.  That's ok for one or two categories but if you're making those type of mental excuses in more places, re-commit to being badass.

Keep up the positive attitude towards it.  You're not in debt like most Americans your age are--so that's something.  $1500/month WILL build up!

marty998

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Re: Divorce Disaster, Anyone?
« Reply #9 on: February 27, 2013, 01:49:10 PM »
I'm not married or divorced, and I don't have kids so I don't really feel I have the right to comment :) But I think you should heed the advice, stop getting angry and start getting even.

A kid of your own, a little Nathalie would so obviously bring so much joy to your life.

You shouldn't constrain your own life just because of some deadbeat bitch out there. Put your foot down and live life the way you want.

clutchy

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Re: Divorce Disaster, Anyone?
« Reply #10 on: February 27, 2013, 01:58:16 PM »
While I applaud your responsibility...

If you do want a child you should have one.  They are wonderful and honestly you only get one crack at this.  Make it worthwhile.

Have a baby.

GuitarStv

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Re: Divorce Disaster, Anyone?
« Reply #11 on: February 27, 2013, 02:10:39 PM »
I've got a few suggestions, but you're not going to like them . . .

Sorry, but I am going to lecture you on groceries.  I live in Toronto with my wife.  Granted, we don't have a kid . . . but I eat like a horse, averaging about 4000+ calories a day.  We spend about 70$ a week on food (280$ a month) and eat plenty of fresh produce (I bring five pieces of fruit with me to work each day for snacking and we have fresh veggies with every meal).  In Canada we do pay more for food than people in the US, but even so . . . your grocery bill is very high for three people.

Some simple ways to cut this bill down
- My first suspicion is that you are eating too much meat.  Try eating a properly balanced vegetarian meal two or three times a week.  Meat is probably the single most expensive thing we regularly purchase, so be creative when using it.  (You can make hamburgers with about 20% oats mixed in without changing the flavour for example.)
- Is your husband taking leftovers with him when he goes to work?
- Don't ever buy bread from the store.  Find a used breadmaker on kijiji or craigslist for under 30$ and make fresh bread regularly.
- The following staples can be had very cheap from Costco:  Cheese, Flour, Rice, a variety of Beans, Yeast, Oatmeal, Olive Oil, etc.  They can be frozen or stored for a long time so you only need to go to a Costco once a month or so.
- Don't eat any dessert that you haven't made yourself.  All store bought desserts are overpriced.  Ice cream is out, but cookies, cinnamon buns, cupcakes and the like are in.
- Plan your meals for each week by going through the flier of the grocery store and seeing what's on sale before heading down to the store.
- Eat oatmeal for breakfast.  Every morning.  Seriously, it's dirt cheap and good for you.

Also, reduce your car usage!
- Get a trailer and bike to your local grocery store each week rather than driving.
- Don't do errands with your car, do them on your bike (going to the post office, heading to the pharmacy, clothing shopping, going to the dollar store, heading to the library, etc.)
I started doing this last year and we shaved about 30% of our car mileage off.  That means less gas, less wear and tear on the car, and more exercise!

How much are you paying for your cellphone?  If it's more than 14$ a month, it would be cheaper to get a VOIP land line for your home.  Despite what Rogers and Bell are happy to tell you, a cell phone is a frivolous expense, not a necessity.  Speaking of which, what internet plan are you on and with whom?  You can drop almost any plan with Rogers by 25 - 50% simply by calling and threatening to cancel.  Bell offers similar 'deals'.  Have you looked at other, smaller internet providers (I'm with TekSavvy right now, they offer better service than we got from Rogers at a lower rate)?

At 1200$ a year, your clothing bill is out of control.  Are you doing most of your shopping at thrift stores?  Your husband doesn't need more than three or four nice suits.  If he owns more than eight, things are getting ridiculous.  If thrift store clothing is not good enough for your teenage child, it's time they get a job and pay for their own fancy duds.

N.

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Re: Divorce Disaster, Anyone?
« Reply #12 on: February 27, 2013, 02:17:14 PM »
Oh, wow. Wow! Thank you. These words of encouragement have made my day. Thank you for taking the time to respond.

Lemme see...

Yep. Emergency fund is definitely first. Given we're currently a one-income household, six-months of expenses saved in a high-interest (bwahahhha!) account is what we're aiming for. This should give us a (much needed) cushion, particularly since we're driving an older car.

Well, the car numbers are skewed. Last year was a biggie - we needed a new starter, a new catalytic converter and new brake and gas lines. On top of that, it was the year of new summers and winters. For six previous years leading into last, we averaged $30 a month for maintenance. Our auto portion of insurance is $130. Once an accident drops off the list, that should drop. Someone t-boned my husband on Christmas Day and given the holiday, the cop refused to press charges which meant - you guessed it - it also went on our insurance record instead of the offender paying for the repairs. It's called "dual-fault" (as if). I love Canadian insurance laws. :D

The gas costs are a result of driving into the head office, though all gas is covered by the mileage reimbursement. I work from home, and do most errands on foot (groceries, banking, etc.). The car sits in the drive four days out of every seven most weeks. Family is three and four hours away so you do what you can, you know?

The clothing is skewed too. With hubs' ridiculous payments, he hobbled along for years but once things were threadbare, it was time to replace. Suits aren't cheap (good ones, anyway). I work in my pj's so I don't count and the kidlet keeps growing out of her damned shoes. And winter boots. And athletic shoes. And winter coat. And... Fortunately, once she gets an after-school job, she's on her own here. Countdown...

Utilities are higher in Canada too. We keep the heat at 18/19C, and I mostly work in the dark (mildly joking). That doesn't even include water, which is included in the rent.

Working on the food... we shop at 'No Frills' (akin to Aldi, I think) but does anyone else have teenagers? She'd eat my arm if I'd let her. No organic. Too rich for our blood. We plan around the flier, hubs takes leftovers, and we make everything from scratch. We, uh, like meat though. I'm taking your savvy advice.

Canada is the most expensive country in the world for cell phone plans. Because hubs travels globally, they require him to have call and data plans so that he can work on the road. It's pricey, and while we're not penny-for-penny reimbursed, it is considered as part of his compensation package (and therefore why I justified it as a necessity). And actually, it was cheaper for me to be added to a family plan than it was for us to carry a landline. Nuts, eh? I use Skype for business though.

As for maintenance, we do the brakes and install the tires (once they're mounted) ourselves. We just had a doozy year is all... all the repairs came at once, demolishing what little we had set aside for an emergency fund (but I wanted to be accurate).

@DoubleDown. Dude. I get it. I'm sorry you went through that. This is why I posted... sometimes this situation makes me feel so alone, and then I realize we're just a number in a long line of crappy court statistics. It's sad. Especially for the kids who have to try and figure out why mummies are living large and dad is living in a two bedroom apartment. They figure it out though. They really do.

And, for everyone, thank you for your words of encouragement. They mean a lot. I have an excellent relationship with the kids and I know that makes me very, very lucky, but there is a lot of anger under the surface. I'd like to think it only rises when I write about it, but I'll take your advice and be more aware of it, just in case. Kids are very perceptive, this I know.

In all honesty (hubs is 43 and I'm 35), we can't have a child without assistance. We went through the whole sha-bang, and the first round will cost $12k with a 5% success rate. Mathematically speaking, we're looking at three rounds at a total of $34k for a 50/50 shot. No savings. No retirement horizon. An eleven-year-old car. A kid staring down college. As much as we want a child (and we do), pushing forward would put us in an even more perilous situation. It just wouldn't be responsible. (Sharing that might explain some of the sadness and anger that popped out on the first post, hence the "please no lecture!" statement.)

And you're right oh Mustachians! Time to channel that energy where it will make the most difference... the business. Thanks for the kick in the pants. :)

ghatko

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Re: Divorce Disaster, Anyone?
« Reply #13 on: February 27, 2013, 03:10:44 PM »
In all honesty (hubs is 43 and I'm 35), we can't have a child without assistance. We went through the whole sha-bang, and the first round will cost $12k with a 5% success rate. Mathematically speaking, we're looking at three rounds at a total of $34k for a 50/50 shot. No savings. No retirement horizon. An eleven-year-old car. A kid staring down college. As much as we want a child (and we do), pushing forward would put us in an even more perilous situation. It just wouldn't be responsible. (Sharing that might explain some of the sadness and anger that popped out on the first post, hence the "please no lecture!" statement.)

What about adoption? I have no idea what the costs of that might be, but it might be an option to have the child you so clearly want, without the high costs and low chances of success with fertility treatments.

N.

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Re: Divorce Disaster, Anyone?
« Reply #14 on: February 27, 2013, 04:11:54 PM »
I have adopted (my lovely step-kids). Not really, but you know what I mean.  :)  Both kids chose to live here full-time for a number of reasons, one of which was realizing the truth of the situation and spending time where they felt they were being valued, not where they felt like pawns in a game. Knowing this is very validating (and makes the struggle, and our loving family, sooo worth it).

Sigh. Maybe... but given how far 'behind' we are, it just doesn't seem responsible bringing a child into an already precarious situation. With so little savings, and an arrangement that could see an ex swoop in at any moment and claim what wiggle room we do have, building a solid foundation seems like the most prudent thing to do. I know the prevailing wisdom is, "you'll find a way!" and "somehow it all works out!" and that might be true, but we're gun-shy. We've both endured enough rounds with Mr. Murphy ('s Law) that we're keen to get a solid financial foundation underneath us above all else. Hugs and kisses and 'I love you's" from step-kids help a lot too.  :)

I am humbled by these responses - the reminder to keep the love front and centre, the chiding over our groceries (less meat!) and the kick in the pants about the biz.

Thank you. Truly.

unplugged

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Re: Divorce Disaster, Anyone?
« Reply #15 on: February 27, 2013, 04:20:17 PM »
If you ever want to discuss adoption from China PM me :) I wanted to add that it's never to late to change your finances. Give yourself credit for not burying your head in the sand. You can do this, your just starting late but so what? :)

mustachecat

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Re: Divorce Disaster, Anyone?
« Reply #16 on: February 27, 2013, 06:21:24 PM »
What's really helped me cut our grocery budget down is focusing on food waste. No one thinks they waste as much food as they do, but there's a realllllly strong self-perception bias. I'm not down to zero yet, but I'm getting closer! The new rule is simply that Everything That Can Be Eaten, Must Be Eaten.

Preemptive freezing has really helped with this, especially for meat and leftovers. Not sure if I'll cook that meat in the next 2-3 days? Freeze it. Not sure if I want these dinner leftovers for lunch tomorrow? Freeze it.

Meal planning has also been great for this, because I suffer from kid-in-a-candy-store syndrome at the grocery store.

Sweet Tart

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Re: Divorce Disaster, Anyone?
« Reply #17 on: February 27, 2013, 06:54:37 PM »
Not to dismiss your desire to have your own bio child, but it sounds like you have pretty sound reasoning not to go that direction right now.  Being a parent isn't about giving birth, it's about the day-to-day that you give to the kids and it sounds like you are a very wonderful parent to your step-kids.

Having my own and watching my friends having kids also reinforces that every child you bring into this world is a role of the dice.  They may be the most wonderful and fantastic addition to your family, or they could bring great challenges (or both).  Not that a challenge is bad, but you already have two great kids!  You are right to want to have a solid financial footing for the family that you have without throwing caution to the wind for a family that might be.

Dee18

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Re: Divorce Disaster, Anyone?
« Reply #18 on: February 27, 2013, 08:08:07 PM »
I adopted my wonderful daughter 16 years ago.  She was an infant and I was 40.  Best thing I ever did.  But my sister did not have kids and has been terrifically happy, with a great marriage and lots of travel.  Do what you want, but if you really want a kid---go get a job for a year that pays you enough to save up for the adoption costs.  Kids are pretty inexpensive when they are little.  And you could raise this one as a Moustachian from the start.

mm1970

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Re: Divorce Disaster, Anyone?
« Reply #19 on: February 27, 2013, 08:17:05 PM »
I have adopted (my lovely step-kids). Not really, but you know what I mean.  :)  Both kids chose to live here full-time for a number of reasons, one of which was realizing the truth of the situation and spending time where they felt they were being valued, not where they felt like pawns in a game. Knowing this is very validating (and makes the struggle, and our loving family, sooo worth it).

Sigh. Maybe... but given how far 'behind' we are, it just doesn't seem responsible bringing a child into an already precarious situation. With so little savings, and an arrangement that could see an ex swoop in at any moment and claim what wiggle room we do have, building a solid foundation seems like the most prudent thing to do. I know the prevailing wisdom is, "you'll find a way!" and "somehow it all works out!" and that might be true, but we're gun-shy. We've both endured enough rounds with Mr. Murphy ('s Law) that we're keen to get a solid financial foundation underneath us above all else. Hugs and kisses and 'I love you's" from step-kids help a lot too.  :)

I am humbled by these responses - the reminder to keep the love front and centre, the chiding over our groceries (less meat!) and the kick in the pants about the biz.

Thank you. Truly.

Well, I understand that you may need assitance.  My good friend is pregnant with twins (with assistance) at 41.  I had my second child at 42.  And my friend up the street and her husband adopted via foster care when she was 50.

So...even at 35 you still have time to get your financial house in order.

Done by Forty

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Re: Divorce Disaster, Anyone?
« Reply #20 on: February 27, 2013, 08:39:37 PM »
You seem to have a good handle on where your money is going.  There are also some sacred cows in your budget.  I'd recommend killing them.  But if that's off the table, then try to slowly starve them into miniature horses or some sort of tiny cow...still sacred, but, you know, small.

The basics of Mustachianism is to work on the spending side of the equation.  It's where the quick wins (and often the big wins) are.  But the math can work out just as well if you increase income.  A business is a way to do that but often isn't not quick or big. 

To what degree could you use your prior networks to negotiate a telecommuting gig, at perhaps a below-market rate?  Even a $1500 monthly salary would double your monthly savings.  Just saying.

Using the $1500 savings from one month plus the $500 from your current car can probably purchase a car that doesn't require $300 in monthly maintenance.

If the income doesn't raise for a month or two, I'd try to set holistic budget goals of reducing spending by 5% every month.  With all the tips on MMM's various blog entries, it's do-able.

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Re: Divorce Disaster, Anyone?
« Reply #21 on: February 27, 2013, 08:46:21 PM »
I have also given up my dream of having a child of my own for obvious financial reasons. I am heartbroken.

Don't give up on this.  Things change.  People in great financial situations fall, and people without much money get on a good plan and succeed.  But your window for having a child is something that can close for good.  Don't let it!  There's no amount of financial independence that can or should ever make up for heartbreak.  Work the child into your plans. That's my two cents.

You will figure out the finances, but go have your baby! I have two little ones and I tell you I have never loved anything or anyone as much. I would give up any other memory and early retirement to have them all over again.

kudy

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Re: Divorce Disaster, Anyone?
« Reply #22 on: February 27, 2013, 09:35:56 PM »
Is your husband reimbursed for expenses while traveling, or does he receive a flat per diem on days he is gone? If it's the per diem, he could start being more frugal during trips and contribute leftover per diem money to the monthly budget.

N.

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Re: Divorce Disaster, Anyone?
« Reply #23 on: February 28, 2013, 01:02:41 AM »
Fortunately, hubs is reimbursed for everything but the base cell plan (data minutes, roaming, long distances charges, the works). We opted for a slightly higher base plan (based on three years of usage patterns) in order to eliminate the landline. Skype is excellent except when it isn't and with his travel schedule and kids hither and yon across two households, dozens of friends, and bombing around town (as teens are wont to do), the texting capability has been a life-saver. Could we cut here? Yes. At the risk of justifying inappropriately, my mom is in and out of the hospital multiple times and year and with her living out in the boonies several hours away (dial-up internet still!), being able to tether to the web through my phone has allowed me to keep the business going during the frequent weeks or two I'm up there offering care.
 
Also fantastic was being able to put all of his business/travel expenses on our rewards credit card. I haven't paid a penny in interest in years (I had a few dumb-bunny years in my 20s) and while it was tough juggling anywhere from $2 - $8k of reimbursable work expenses on the card between due dates and expense cheques, we collected just shy of $1000 on the card last year through rewards points. Score! The finance department finally gave him a work credit card this year though. Major bummer.

Again, no cable; we read and play games and actually, you know, talk. I posit it's why our family is so close and connected. Meal times are sacred (and always candle lit). We're the de facto 'gathering house' for the kids' friends (from-scratch food and real conversation). You'd be amazed how few kids have that experience available to them these days. Teens who don't talk? No way... give them a forum and they'll sit for hours!

I digress.

Based on this excellent feedback, here are my blind spots:

  • Cell plans (see above).
  • Insurance is expected to decrease significantly in roughly a year and a half with that stupid accident falling off the reports.
  • Clothing - I can thrift as can the daughter but he travels and presents to CEOs, CIOs, Presidents and VPs of global organizations for a living. In other words, no cheap suits. It shows. And poorly. We buy at 'buy one/get one' sales and purchase custom shirts in bulk for 5 for $50 ordered from Europe (secret source!). The budget can be cut to at least 25% of my total next year now that he has the requisite number of suits for his heavy travel schedule. Three or four? Nope... 8 for 2-3 monthly five-day trips... home to drop at the dry cleaners, three or four to pack depending on the trip, rotate, wash, rinse, repeat).
  • Food - sigh. Yes, we could do better. Probably, er, much. As I said, we meal plan around the flier (flyer if you prefer), cook from scratch and don't buy processed food. Hubs takes leftovers (when he's not on a plane) and we use the freezer. Squawfox also posted a great series on eliminating food waste so I've become hawk-eyed about it. But *sheepish grin*, I like expensive cheeses as a weekend treat (fresh baguette and cheese... delish!) and he loves braised lamb shanks as a treat. A bottle of wine with Sunday dinner! Prime rib when it's on sale once a year. It's our only 'denial' category. When everything else feels like it's cut to the bone, food seems like a luscious, decadent way to bring a little luxury to the table (pardon the pun) and make it all feel worth it.
That last sentence makes me sound absolutely ridiculous. Thank heavens for this forum.

N.

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Re: Divorce Disaster, Anyone?
« Reply #24 on: February 28, 2013, 01:12:06 AM »

NeverWasACornflakeGirl

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Re: Divorce Disaster, Anyone?
« Reply #25 on: February 28, 2013, 07:12:22 AM »
As a wise woman once said, "Don't let anyone live in your head without paying rent."  :-)

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Re: Divorce Disaster, Anyone?
« Reply #26 on: February 28, 2013, 07:13:40 AM »
Are you shopping at Superstore/Loblaws?  Their groceries are usually much cheaper than Safeway/Save-on/Overwieghty etc.

Norman Johnson

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Re: Divorce Disaster, Anyone?
« Reply #27 on: February 28, 2013, 07:35:57 AM »
In all honesty (hubs is 43 and I'm 35), we can't have a child without assistance. We went through the whole sha-bang, and the first round will cost $12k with a 5% success rate. Mathematically speaking, we're looking at three rounds at a total of $34k for a 50/50 shot. No savings. No retirement horizon. An eleven-year-old car. A kid staring down college. As much as we want a child (and we do), pushing forward would put us in an even more perilous situation. It just wouldn't be responsible. (Sharing that might explain some of the sadness and anger that popped out on the first post, hence the "please no lecture!" statement.)

What about adoption? I have no idea what the costs of that might be, but it might be an option to have the child you so clearly want, without the high costs and low chances of success with fertility treatments.

Adoption can cost up to $40K, take a decade, and there is no guarentee either. So yeah, high costs there, plus you have all the stress of homestudies, social workers, possible foriegn trips to baby-houses, or waiting on a birth mom to pick you, and then probably having an open adoption. I love it when people suggest "Just adopt!" like you roll up to the baby store, swipe your Visa and go home with a little pink or blue (your choice!) bundle. It's hard and expensive, but in a way that IVF is not.

OP, in some provinces, IVF/IUI/etc is somewhat covered. I'd be glad to chat about it with you. I've been through that wringer a couple of times and was lucky enough to get my son. I also have a bunch of friends who have also been through it for various reasons, and might be able to off your some insite on your situation if you want. Shoot me a PM if you don't want to talk about it out in the open!

N.

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Re: Divorce Disaster, Anyone?
« Reply #28 on: February 28, 2013, 07:38:52 AM »
@Trina - wink.

No Frills for the basics. Produce is iffy but meat is *okay* IF you're planning to cook within a day or so or immediately freeze. We do Loblaws for the prissy stuff (fresh baguettes for Sunday sammies, European cheeses, olives, and fresh fish when it's on sale which isn't often). Both stores are within walking distance.

Everyone here has given me a LOT to think about. I'm certainly no Mustachian (er, yet) so I appreciate this conversation. Have you ever noticed no one else really talks about this stuff? I mean, money is such a major taboo in a lot of circumstances, so it's refreshing to just word-vomit in here and get some highly valuable and encouraging feedback.  :)  I dig it.

Thanks.

Norman Johnson

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Re: Divorce Disaster, Anyone?
« Reply #29 on: February 28, 2013, 07:40:51 AM »
Have you ever noticed no one else really talks about this stuff? I mean, money is such a major taboo in a lot of circumstances, so it's refreshing to just word-vomit in here and get some highly valuable and encouraging feedback.  :)  I dig it.

Thanks.

Totally. People would rather talk about the intimate details of their sex life than their spending habits. :P

N.

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Re: Divorce Disaster, Anyone?
« Reply #30 on: February 28, 2013, 07:53:40 AM »
True.

Also, I feel I must openly apologize for the tone of my initial post. I re-read my words and I realize I sound like a bitter hag.  :-/

It's funny... you think you have things in check and then you tell 'the story', and before you know it, you've unleashed a torrent of pent-up emotion that's years in the making.

As much as it sounds silly to say (and I most feel the need to share this with the men in the group), the relationship with the ex isn't about the kids... I 'olive-branched' for years. She, um, didn't. You get to a point where you cease to be delicate, if you get what I'm saying.

Anyway, such valuable insights. We've all got to start somewhere, hm?

galaxie

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Re: Divorce Disaster, Anyone?
« Reply #31 on: February 28, 2013, 08:00:59 AM »
Is he contributing to a retirement plan or anything that isn't included in your net numbers?  The way you describe his job, it seems like there would be such a benefit. 

Since you're trying to increase your savings, it probably wouldn't make a huge difference in your day-to-day budget.  But it might make you feel more like you're making progress.

N.

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Re: Divorce Disaster, Anyone?
« Reply #32 on: February 28, 2013, 08:44:21 AM »
His potential retirement savings were decimated by the Family Law system (a quarter-mil that should have been earning interest for him was instead sent to keep the unemployed mother of his lovely kids in a 3-bedroom home, enjoying private yoga lessons, monthly shopping sprees and tropical vacations while he bunked in his parent's basement to keep the kids clothed and fed).

It was an effort saying that in a neutral tone.  :D

When we met in roughly 2007, I had $50k in various investment vehicles and another $30k in potential real estate holdings. Then the bottom dropped out. I'll save everyone the gory details but in the tornado, I lost that and more. Suffice to say, it was a combination of poor timing, one (majorly) bad decision, and one shitload of bad luck. I just recovered last year.

No excuses. Just a late start to the Mustachian path.

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Re: Divorce Disaster, Anyone?
« Reply #33 on: February 28, 2013, 10:20:29 AM »
Adoption can cost up to $40K, take a decade, and there is no guarentee either. So yeah, high costs there, plus you have all the stress of homestudies, social workers, possible foriegn trips to baby-houses, or waiting on a birth mom to pick you, and then probably having an open adoption. I love it when people suggest "Just adopt!" like you roll up to the baby store, swipe your Visa and go home with a little pink or blue (your choice!) bundle. It's hard and expensive, but in a way that IVF is not.

But there is no time limit on it.
I'm so so so glad other people brought up adoption.  You should absolutely not feel pressured into having a kid you are not financially (or emotionally, or whatever) ready for just because "you won't have a chance later".  Of course you will.  An adopted child IS your child, just as much as a birth child is.  Notice how the people who have adopted love their children just as much. 
Love isn't about DNA.  (If it was, we would only marry parents and siblings!)
You know what really is a choice you can't take back?  Having a child.  One that makes life harder for everyone involved.  I agree about not giving up the dream, but if it would take medical intervention then having them biologically isn't really the "natural" way anyway.  There are a lot of kids who need homes.
"up to" $40k.  Sure, just like a buying a car can cost $40k.  Maybe some of the mustachians here who have done it can say how low it can go.  It helps a lot if you don't feel the need to adopt a newborn, and then you avoid almost all of the other problems lila described as well.

Of course, it seems the OP isn't about to make a bad decision just because so many parents feel the need to justify their own choices by telling us they love their kids and don't regret them...
I just wanted to point this out for everyone else who may read this.


To the OP: You seemed to think that the ex can just demand child support payments continue at any time.
If one kid is grown, and the other lives with you, even with courts that default to the mother, she has no case.  Just don't pay.  If she tries to sue, she will lose.  That $1500 is money for savings.
« Last Edit: February 28, 2013, 10:52:04 AM by Bakari »

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Re: Divorce Disaster, Anyone?
« Reply #34 on: February 28, 2013, 10:37:36 AM »
We're planning on adopting soon and I would love to see a new thread from other people on their adoption experiences and expenses.  We're planning on going through the state foster care system in the US, thus getting adoption credits and other assistance - as well as reducing the expenses of going through private organizations whose services can easily run into the tens of thousands.

Norman Johnson

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Re: Divorce Disaster, Anyone?
« Reply #35 on: February 28, 2013, 10:44:54 AM »
Adoption can cost up to $40K, take a decade, and there is no guarentee either. So yeah, high costs there, plus you have all the stress of homestudies, social workers, possible foriegn trips to baby-houses, or waiting on a birth mom to pick you, and then probably having an open adoption. I love it when people suggest "Just adopt!" like you roll up to the baby store, swipe your Visa and go home with a little pink or blue (your choice!) bundle. It's hard and expensive, but in a way that IVF is not.

But there is no time limit on it.
I'm so so so glad other people brought up adoption.  You should absolutely not feel pressured into having a kid you are not financially (or emotionally, or whatever) ready for just because "you won't have a chance later".  Of course you will.  An adopted child IS your child, just as much as a birth child is.  Notice how the people who have adopted love their children just as much. 
You know what really is a choice you can't take back?  Having a child.  One that makes life harder for everyone involved.  I agree about not giving up the dream, but if it would take medical intervention then having them biologically isn't really the "natural" way anyway.  There are a lot of kids who need homes.
"up to" $40k.  Sure, just like a buying a car can cost $40k.  Maybe some of the mustachians here who have done it can say how low it can go.  It helps a lot if you don't feel the need to adopt a newborn, and then you avoid almost all of the other problems lila described as well.

With all due respect, Bakari, have you actually seriously looked at adopting? Because I did, and I have friends who did it, and it's not cheap (cheap being some romantic time with your partner) and it can have a time limit. Where I live, you could go the (cheap) CFS route, and have everything but the lawyer paid for ($5K), but you are looking at at least five years wait unless you are okay with adopting older, different race, special needs and/or sibling groups. (And before anyone tells me that "OF COURSE I WOULD TAKE ON ANY CHILD OMG!!!" really ask yourself that question. Really, really, because it's best to admit it to yourself that you can't from the get go instead of taking on a child that has problems due to the birth mother's drug use (newborn) right up to being in foster care for years and having major attachment issues.) To speed things up, and to avoid an open adoption sometimes, people look at adopting abroad and a lot of those countries do have rules. Things like no divorced/remarried or single parents, age limits, and sexual orientation of the parents, or basically whatever that country's government wants to make a law in regards to placing their children. And when you are going to a different country, people tend to pay a decent agency more money then risk a cheap unknown agency because it is not unheard of for you to pay lots of money, go abroad to get your baby, and find out there is no child for you and be out all the money.

So like I was saying, having looked in to both adoption and ART, and having going the ART route, but watching my friends try to adopt, I can say both are expensive, both are emotionally draining, and both in different ways.

(Also, it's kind of offensive to compair adopting a child to buying a car. Though I'm sure you didn't mean it that way, it's like you are implying that you are buying a human.)
« Last Edit: February 28, 2013, 10:46:50 AM by lilacorchid »

Bakari

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Re: Divorce Disaster, Anyone?
« Reply #36 on: February 28, 2013, 11:07:03 AM »
With all due respect, Bakari, have you actually seriously looked at adopting?
not yet, but I have plenty of friends and acquaintances who have (adopted, not just looked into it.)

Quote
but you are looking at at least five years wait unless you are okay with adopting older, different race, special needs and/or sibling groups.
yeah, exactly.  So be ok with it.  I just found out (from my mother who worked for 10 years in children and family services, and now works as a child psychologist) that older kids have LESS attachment issues, on average, than those taken from their mothers as a baby.  Why would I care about race?  Special needs - that is a serious question, and I don't think I could choose that deliberately.  Which makes adopting safer than birth children, since with the later you have no way to know what you are going to get.  Esp. given that the risk of complications is a lot higher when the parents are older, and/or if medical intervention was necessary.  And, well, given how many people want more than one, not sure how sibling groups is an automatic drawback either.
And even if none of those were acceptable, then you wait 5 years, ok.  You have to wait about a year for a birth baby under the best of situations, and add one or two more if you need treatments - which can also cost $5-10k.  I didn't bring up the cost, or "rolling up to the baby store"...  But now that its been brought up, it makes more sense to spend a little more in the future when finances are secure, than to do it NOW - BIOLOGICAL CLOCK IS TICKING - even if one isn't financially ready for it.

I'm not trying to attack the choices any one actually has made, I'm trying to point out that a child raised in a secure household who doesn't happen to share their parents DNA may have a better life than one raised in poverty by stressed out parents who both have to work full time and even though they would never never say it aloud, somewhere in the back of their minds resent that child. 
I'm trying to say family is family, regardless of whether they were brought together by sex, the baby store, or the freggin stork.

N.

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Re: Divorce Disaster, Anyone?
« Reply #37 on: February 28, 2013, 11:11:54 AM »
Well, since this thread is going there, let's go there.

Speaking from the unique perspective of a woman who is facing never having the privilege of raising her own biological child yet having faced raising two step-kids (mostly full-time) on her own...

The impact is...

TREMENDOUS.

Devastating. Freeing. Heartbreaking. Joyous. Confusing. Frustrating. Impactful.

Especially as an only child; the last of a line on this continent.

I don't resent my step-kids. They're all I've got. I'm here for them in ways a mother never could be. I'm sorry, moms-out-there... step-parents fills unique roles when you've decided to divorce and we've decided to invest. I'm good with being a poster 'step-monster' (long over it). I've shown up for more parent-teacher meetings, paid for more dental/medical/clothing/extra-curricular bills (while my husband padded your bank account), healed more boo-boo's, talked through more broken hearts, worked through more homework assignments.

I've earned it. Period.

Here's the long and short of it: adoption is exactly the same as what I've already done. The clock was ticking. MY clock was ticking. Bringing another child into the mix for my own selfish reasons (I want to be called mommy!) is just that: selfish. I have two kids. But I wanted to feel pregnancy. Give birth. See my face, my eyes, feel the skin of the babe of my making. With the man I waited for... chose... wanted to join with.

It's not to be.

And it's not the same.

As much as you say it is, it's not the same.

Given all the financial details I've outlined, pushing forward for my own selfish reasons will ultimately prevent me from being in the position to provide for a matriarchal family in time. I may not be able to be a biological mother, but I can be the kind of woman who will one day hear "grandma" without stigma. Not blood, mind you, but open eyes, open hearts, and open arms.

I've got to believe in that.

I have to. I have no other responsible choice.

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Re: Divorce Disaster, Anyone?
« Reply #38 on: February 28, 2013, 11:31:44 AM »
I'm not trying to attack the choices any one actually has made, I'm trying to point out that a child raised in a secure household who doesn't happen to share their parents DNA may have a better life than one raised in poverty by stressed out parents who both have to work full time and even though they would never never say it aloud, somewhere in the back of their minds resent that child. 
I'm trying to say family is family, regardless of whether they were brought together by sex, the baby store, or the freggin stork.

I think we are mostly on the same page! Families are built in different ways and +1 to all of those ways. And I never said you should have a baby if you aren't sure. I'm of the opposite approach, don't have a baby unless you are sure. I think nature makes parents forget labour, projectile vomit, poop explosions, and sleepless nights, and remember all the smiles, cooing, and other cuteness otherwise we would never want to have children! There is never a perfect time to have a baby and I agree that you should not have more children then you can afford.

I just think that you're commenting on a situation you haven't been in and it's not that easy to be "just okay with it". For example, what do you care about race? Sounds like nothing, but you would be pretty ignorant to think that people out there don't care that a white couple has a black baby or visa versa. And to just "be okay" with how long it takes is pretty much impossible if you desperately want a child and are watching what seems like everyone around you (including those who you don't think should ever be allowed to have children, never mind raise them) pop them out and then say "Just adopt!")

My point is adoption has it's challenges and there is a time limit on it too. As an infertile woman, I've heard plenty of people tell me "Just adopt!" like it's just so easy, hence my babystore comment. Nothing about it is easy when you are thinking you want children, and are staring down the barrel of possibily never having them, or spending your entire life's savings trying to have one and still having childlessness on the table.

My only reason for bringing this up is to clear up the misconception that adoption is cheap, easy and you can do it forever.

(Also, yes, my bitter about this is showing too. Grr. :P )

N.

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Re: Divorce Disaster, Anyone?
« Reply #39 on: February 28, 2013, 11:50:46 AM »
@ Lilacorchid, our lady-fangs are showing.  :D



Well, Bakari and lilacorchid, I posit we're all sitting at the same table. Different seats, mind you, but the same damned table.

Bakari

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Re: Divorce Disaster, Anyone?
« Reply #40 on: February 28, 2013, 12:13:18 PM »
Bringing another child into the mix for my own selfish reasons (I want to be called mommy!) is just that: selfish. I have two kids. But I wanted to feel pregnancy. Give birth. See my face, my eyes, feel the skin of the babe of my making. With the man I waited for... chose... wanted to join with.

It's not to be.

And it's not the same.

As much as you say it is, it's not the same.

I know.  I have wanted my entire life to have my own (biologically related) child, ever since I was one myself.  I still do. My girlfriend does too.  For all the reasons you stated here.  Its just looking at the population, and at math, that makes me feel like, ethically, I can't do it.  I had to admit to myself that my reasons for wanting it were, like you say, purely selfish, and it isn't worth the long term cost to humanity to me.
But I have also grown up around a lot of adopted kids, known families of adoption my whole life (largely because my mother is openly gay, and was active in gay parents networks where, for obvious reasons, there is a lot of adoption), and I do believe that, after that first time of pregnancy, birth, and newbornness, in the following 50 years or so, the difference disappears. 
Again, as you say, I have to believe that, because that's the option I am leaving myself.



I think we are mostly on the same page! Families are built in different ways and +1 to all of those ways. And I never said you should have a baby if you aren't sure. I'm of the opposite approach, don't have a baby unless you are sure.
Well, I started with quoting something you wrote, but that wasn't really directed at you, there were 7 comments before yours that specifically said "have a baby now, before it's too late, even if you aren't ready" - which is really common advice, and endlessly agitating.


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For example, what do you care about race? Sounds like nothing, but you would be pretty ignorant to think that people out there don't care that a white couple has a black baby or visa versa.
That's not ignorance. One shouldn't be having kids or not based on what the neighbors are going to think.   I come from a multi-race household.  I believe that the best possible way to combat racism is for everyone to inter-breed as much as possible.  In as culturally diverse a country as this, I can't help but to suspect all non-mixed-race couples of being at least a little racist. 

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And to just "be okay" with how long it takes is pretty much impossible if you desperately want a child
yup, sorry, just be ok with it.  I'm pretty sure accepting a lack of instant gratification is a basic rule of Mustachianism.

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and are watching what seems like everyone around you...

But Billy's mom got him a puppy!!
Sorry, I don't mean to be snarky or flip, I just can't think of another concise way to say it.
I get what your getting at, I do - I have had this same discussion with my girlfriend, my mother, relatives, friends, people on the internet.

Basically, people have kids because they really really want them, and then they find intellectual justification (or, more often, just the justification of "I love my kids /  they bring joy to my life"), after what was a purely emotional, even thoughtless, decision.  Our instincts tell us to breed.  Well, instincts can tell us to be violent too, or to act on sexual desire in the middle of the supermarket, but as a culture we have decided that in those cases, instinct is not enough reason to act on it. 

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My only reason for bringing this up is to clear up the misconception that adoption is cheap, easy and you can do it forever.
Granted.  Having kids is never cheap or easy.  And while you may not be able to adopt "forever", there isn't the same biological clock constraint that has so many people calling "Do it now! Damn the consequences, breeding must be life's top priority".

I didn't mean to imply adoption was easy.  Just to remind everyone that it is a legitimate alternative way to experience parenthood.

kdms

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Re: Divorce Disaster, Anyone?
« Reply #41 on: February 28, 2013, 12:18:47 PM »

@ Nathalie - I don't want to jump into the debate about appropriate reasons to have kids, but I do want to offer some information that helped me.

May I ask -- is the cost the only thing holding you back from trying for your own baby? 

We're in Canada as well, and we ended up going to the USA for help....there's a lot of options available there that we weren't able to source here, and many of those options are much, much cheaper than $12k.  Obviously, it would depend on what procedure you'd be looking at.

If the only thing holding you back is the cost, I would respectfully suggest researching this infertility centre...our little miracle is 2.5yrs old now.    http://www.infertile.com/   I'd be more than happy to answer a PM if you're curious....

cheers
karen :)

Dee18

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Re: Divorce Disaster, Anyone?
« Reply #42 on: February 28, 2013, 12:58:10 PM »


"Here's the long and short of it: adoption is exactly the same as what I've already done."

Sorry, Nathalie, but adoption is not the same as being a step-parent. Just as being a parent by adoption is not "exactly the same" as being a biological parent.   I have had sole legal, financial and emotional responsibility for my daughter since I adopted her when she was 9 months old.  I am not her step parent.

 I think it is fine that you have chosen not to have biological or adopted children for any reasons that matter to you--whether it's money, or time, or you've parented enough with your step children.  Your initial posting made it sound like you still wanted to have a child so people responding tried to help you see some possibilities.  But as the conversation has progressed, it seems that you are feeling quite certain about your choice.  That is great!  Of course whenever we make a choice to do one thing, we are giving up another.  Enjoy all the things you will do over the next 18 years instead of raising a child!

N.

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Re: Divorce Disaster, Anyone?
« Reply #43 on: February 28, 2013, 01:14:01 PM »
@kdms Oh. Oh, this thread...

@Dee18 Please, in good faith, let me suggest you misunderstand.

I have not "chosen", either to have or not to have. Life, or Murphy's Law, or a really crap-run of luck, or shit Karma, or some other reason I don't understand has "chosen on my behalf".  And frankly, while you are likely a fantastic parent who steps up to the plate and makes the necessary sacrifices - emotional or financial or otherwise, some parents don't - biological or adoptive or step, or otherwise. The point is, some of us, without choice, show up and do it anyway.

I'm not disparaging anyone, for any choice, in any circumstance, for anything (well, except perhaps mothers who use their children as financial pawns).

I don't understand how you could read my posts as anything other than my willingness to do the work, all the while grappling with my own sadness and heartbreak over not having had the privilege of having birthed any child myself.
« Last Edit: February 28, 2013, 01:27:39 PM by Nathalie »

KulshanGirl

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Re: Divorce Disaster, Anyone?
« Reply #44 on: February 28, 2013, 02:21:22 PM »
I am going to just plant myself firmly in the "have a baby" camp here, even with all of the updated information.  If there's something you haven't tried yet, and money is the only thing holding you back ... well, that's what money is for, or what are we all even doing here?  Realizing dreams, that's what.  Go get yours, and then keep on the path.  I am a firm believer that we regret the things we don't do the most.  Or don't try.

That said, you seem like an awesome parent already.  :)

Gerard

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Re: Divorce Disaster, Anyone?
« Reply #45 on: February 28, 2013, 05:57:43 PM »
I don't have anything of value on the kids/adoption front or the big issues. wrt low-level tactics, though:
*make sure the details wrt the ex and kids are bulletproof. As I understand Canadian law, the 18-year-old can become eligible for support payments again if s/he goes to university. Also, document the degree to which the second child is clearly living with you (and thus doesn't require support payments). Document how long the ex has done without monthly support payments.
*that food budget has gotta go down, unless you're living in Nunavut or something. Keep treating yourself, but with different stuff. One of my favourite sayings: "Good rice is cheaper than bad meat." A slow-roasted pork shoulder (from No Frills or a Chinese butcher) will cost maybe five bucks and give you oodles of carnivorous pleasure.
*Give yourself a pat on the back for the stuff you're getting right. No debt, saving a quarter of your family income, on track for increased income and/or decreased expenses in a couple of years as the "kidlet" ages out of the divorce agreement, happy food-centric household...


N.

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Re: Divorce Disaster, Anyone?
« Reply #46 on: March 01, 2013, 07:06:37 AM »
@KulshanGirl - Lots of food for thought here. Everyone's input has been so valuable. I'm very grateful for this conversation, and for the opportunity to feel supported and challenged in such a positive way.

@Gerard - Absolutely. I have every receipt, every record, every conversation, every-everything since the day we joined lives. It's a habit I picked up years ago when I (painfully) realized that not everyone behaves honorably.

Kids and money; two highly charged subjects. Combine them and there's bound to be emotional fireworks!

rugorak

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Re: Divorce Disaster, Anyone?
« Reply #47 on: March 01, 2013, 02:18:05 PM »
One option I haven't seen you consider. Just don't use any form of birth control and let fate decide. I have some coworkers who did it naturally later in life. She was 38. And I've heard tons of "They were an accident as we didn't think we could get pregnant." from lots of people including women who had kids in their early 40's. Basically it allows you the chance to get what you want and removes the financial worry for fertility treatments. If it happens great. If it doesn't you aren't any worse off and as you have commented you are a mom already. Seems like a best of both worlds option to me. Sure you may not get pregnant. But you might! And either way you can be happy which in the end is what really matters.

Bakari

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Re: Divorce Disaster, Anyone?
« Reply #48 on: March 01, 2013, 03:34:17 PM »
Seems like a best of both worlds option to me.

Not to mention the sex tends to be much better for everyone involved...

totoro

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Re: Divorce Disaster, Anyone?
« Reply #49 on: March 01, 2013, 09:43:38 PM »
You have chosen some of this.  It has not "just happened" to you.  Except for health conditions and accidents there is little we don't have some measure of choice about.

You chose to get into a relationship with a man who had financial obligations from a previous relationship and a difficult ex.  Pretty normal stuff these days and I've done it too.  Stop complaining about it, and his ex - she is the mother of those kids and you aren't going to win a prize even if you are a way better and more ethical person. 

The fact that she received $250 000 from the settlement is pretty par for the course in Canada where there was a family home and RRSPs ect.  Maybe unfair allocation, was for my husband, but get over it and move on.  Be very grateful that there are no continuing spousal support obligations.  Some pay spousal support for life.

You have also chosen to stay at home even though the daughter is in high school.  This is a choice and not a necessity.  You could be working. It sounds like your husband earns about $70,000 gross. At this level the monthly child support would be $654 if she lived full time with her mom, but you would not be paying any of the expenses except food when she visited.  Your income would not be counted to increase the amount payable if you worked. At this age the daughter has a choice as to where she will live so it cannot be dictated by the parents so I'm not sure what you are talking about.

Given that the daughter lives with you two full time you have also chosen not to pursue child support from the mother.  In Canada, she is obligated to become self-sufficient and income can be attributed to her if she refuses to work and pay child support.  I can understand avoiding this battle, but it is another choice.

I like the saying "we create, promote, and allow the things that happen in our lives".  Given that you are in this situation, you need to decide what you really want out of life.

If you really want a child, start a budget that involves you getting a job where you will qualify for maternity leave for a year, as opposed to starting your own business where you won't have any.  Health care is affordable in Canada so that is a big plus.  You will receive a child tax credit and benefits correlated with income.  If you want to stay home you could look after another child for additional money.

You might be starting later now, but you have enough time to reach many many goals.