“Mom, my graduation from my fellowship is Saturday, August 24th. Can you come? Dad can’t make it, and really would like someone here for me. Plus there are many key political figures I want you meet. Can you please come?”
How does one say no to child who asks, no begs, for you to remain present and involved in their adult lives. This isn’t because the apron strings haven’t been cut. No, this is my firstborn, the independent one who has chosen to do life her way since she was born. She drives herself to achieve impossibilities, she still fights sleep, she’s been tapped to lead a prominent campaign for a candidate of her political party, and she’s intentionally choosing to sit out a term of college to gain this experience. This is not a needy, clingy child who is having a tough time leaving the nest. This is strong, intelligent, independent woman we are dealing with here. So, when she asks, especially when she asks in this particular way, a caring parent pays attention. Even if she is not yet 22 years old. I was very close to having to tell my daughter no this time.
Why would I do such a thing?
The problem is a financial one more than anything.
More than once, this month, I’ve regretted the fact that I allowed the insurance company to pull The Gone BF’s payment out of my account. Sadly, he was attentive enough to our finances to wait until the payments had cleared before he decided to head out. More than once, over the last few weeks, I’ve wondered why I let this relationship go on an why I didn’t do something earlier about it. The fact that he is now gone, brings a different kind of sadness. It is a sadness that comes from realizing the truth when you worked so hard to ignore it. It’s a sadness that comes from realizing you had to work at ignoring the truth, that he just never was that into me, in spite of his helpfulness and wonderful words. He’s gone. I’ve no doubt he is glad to be gone. He hasn’t contacted me in well over a week. I don’t expect to hear or see from him again. I do wish I hadn’t been such a fool, but other than that my life is greatly improved since he left. But I am annoyed with myself for having paid his insurance bill.
I also wish my daughter, for all her competence, had informed me earlier. I would have planned this month so differently. Traditionally, the end of summer, with it’s back school registrations and expenses, is tight. This year is no exception. Even though I am past my bankruptcy, and I am doing all I can to improve my credit, I still don’t like using the credit cards. I have one with a small limit that I use and pay off every month, but it didn’t have enough on it to cover the expenses for this trip. On a whim, exactly a week ago, I applied for a credit card with a $1, 000 limit. Okay, in my past life, that’s a low limit, almost an insult. In my current financial recovery life, it’s an indicator that my life is improving. If you read through the credit repair literature, most suggest that it takes about a year to be approved for a credit card with that kind of limit. I was approved and it has been just over two months since I received my discharge letter. This was great news. Now to hope that I received the card in seven days rather than the ten of the 7-10 business days it takes to receive the card.
Waiting. As time drew near and my mailbox remained empty, I made up a Plan B. The Good Ex is usually great about giving me cash if I write him a post dated check. I hate doing this, but this was an exception and for a good reason. So, the stress was off as far as whether or not I was going, because The Good Ex was very good about it and payday is very near.
I have to say though, that in a situation like this that involves unplanned expenses four days before payday, having a credit card helps. What also helps is that this summer, I worked five extra weeks. What I spend this weekend will be paid off in a week. I will get to see my daughter and support her. But having that credit card would mean I’d have a cushion. It would mean some extra in case something happened. It would NOT mean a spending spree, it would mean I could enjoy the trip without worry.
Yesterday afternoon, as I was firming up our plans, I texted my oldest, “If that card is in the mail today, my life will be superior.”
I am pleased to report that my life is indeed superior.
Posted on August 24, 2012, in Finances and tagged adult children, Bankruptcy, children, credit repair, finances, healing, life, moving on, post-40 and single, recovering after a breakup, single parents, singles. Bookmark the permalink. 1 Comment.