I got fed up. About a week ago I sat W down and showed her that she is still spending more than $1000/month on my credit card. She was surprised; she thought it was far less than that. That $1000 is not peanuts to me; I have had to stop the payroll contributions to my retirement fund because of these expenses, and I told her that.
So I set up personal finance software on her computer, showed her how to use it, and she really took to it at first, spending some hours categorizing her expenses from her receipts. Then, on Saturday, she drove out to a remote town to spend the day with her boyfriend (I have no idea what he was doing way out there). On Sunday, after church, she drove out there again. I calculated it: that is $50 worth of gas, which she will just charge to my card. It made me angry to think that I am paying for her to carry on with this guy. I cheered myself up while she was gone by taking her two daughters to the mall and buying them clothes and feeding them, which made all three of us happy.
This evening I explained to W that, as I see it, she should be able to cover her expenses with the $1500/month tax-free income she has, considering that she has no monthly bills to pay, but only has to buy food, gas, clothes, cigarettes (yeah, I know, and they’re terribly expensive), etc. I asked her not to use the credit card anymore except for emergencies, unless she could show me that she really does
need more than that. Her face betrayed no expression; she merely said ‘OK’. She has the best poker face I’ve ever encountered, without a doubt. I would have expected more of a response from someone who’s been informed that she will have to cut her expenses by $1000/month. Or perhaps she thinks that she will be able to persuade me that she needs the extra money.
She finished her dinner, went outside, and talked on the phone, presumably to her boyfriend, for a long time. When I opened the door briefly to let the dog out I heard her talking about the finance software. I felt very sad for some reason, so I took a few of the kids out for ice cream.
Thanks for your continued prayers. Hope is something I don’t have a lot of. Usually, it feels more like a death march, where I soldier on because the alternative is to give up and lay down in the dirt. But we must march on…