Ms. L.B. hasn’t taken a break since LetterBalm went live more than two-and-a-half years ago. So, she’s going on a two-month hiatus to refresh her mind and spirit. LetterBalm will return, all spiffed up and ready to face the change of season, on Monday, November 9. While Ms. L.B. is away, play nice. Don’t make her come back there.
Dear LetterBalm: I’ve been living with my girlfriend for a year-and-a-half. She owns the house we live in, but she’s always behind in the mortgage payments. She sometimes ignores notices and is sloppy about meeting due dates. I actually diverted foreclosure because I now make the payments every month. I’ve noticed that she behaves this way about all her bills and financial responsibilities – she never opens bills, they get lost, etc. After almost eight years, she and her husband still aren’t finally divorced. I constantly must remind her about bills. I have to put them in front of her so she’ll write checks or pay online. I believe that if I move out, it will be very bad for her and her kids. I love her, but I hate being the gatekeeper and can’t keep paying my bills and hers. What can I do?
Wow, you certainly are a dutiful boyfriend. Your lady may not be deliberately addle-brained, but she certainly is putting you in a difficult position. Ms. L.B. assumes she is working and able to afford her house and lifestyle. She may have grown up in a household where one or both parents were irresponsible about money and financial obligations. She also may have other issues of which you’re unaware. There are several reputable credit/finance organizations you can research that can help her. Or, you can make an appointment for her with a financial planner who can discuss her budget and automatic payment plans. Sessions with a behavioral therapist who can offer coping mechanisms might be useful. Sit privately with your girlfriend and try this:
Lucy, there’s something that’s been bothering me, and I need to talk with you about it. Please don’t take this as criticism, O.K.? You know I love you, honey, but you have problems paying your bills on time and meeting your financial obligations and other responsibilities. It’s big enough that it’s affecting your life, not to mention your credit rating. Will you be willing to listen to a couple of suggestions? I think we should make an appointment with a professional – a financial planner, maybe – who can put you on a budget, arrange for automatic bill paying and discuss investment strategies for the future. And, I think you should see a behavioral therapist who can help you figure out why this is such a problem for you and how you can cope with it. Does this make sense to you?
Dear LetterBalm: I’m a fussy eater. Some foods upset my stomach, some make me ill or cause me to break out in a rash. I’m out on my own and have no trouble going out to eat with friends and colleagues. I know what to order and what to avoid and nobody thinks anything of it. Same thing when I cook for others. The trouble is my family. They pester me unmercifully (“Well, what CAN you eat?” “Why can’t you eat this?”) and draw attention to my problem at the table. Holidays are a horror for me. I always bring something I can eat for the whole table and make it an attractive dish. I don’t expect special treatment – I’m perfectly content taking small portions or loading up on bread or lettuce salad. But my family insists on pointing it out. They should know better because I’ve been this way most of my life, and I’ve had a lot of tests for allergies and other food-related conditions. What can I say to end this embarrassing situation?
–Not a Foodie
You sound like you’re doing everything right about your food circumstance. You’re not making a big deal out of it, you’re contributing a dish that you and everyone will enjoy and you’re opting to eat simply if you’re presented with offending foods. Your family can be given a (small) benefit of the doubt: Food, especially during holidays, assumes social importance and bonding. Loved ones gather around the dining table, the grill, the restaurant table as much for love and laughter as for eating. But your family is way out of line to single you out and browbeat you. Ms. L.B. suggests you walk out if things get too heavy and go to a friend-in-reserve who’ll welcome you with no judgment. In the meantime, calmly read your family the riot act (not at the table), but after so many years, it’s unlikely it will work:
Family, I need to talk with you once and for all about my food allergies and problems. You’ve known about them all my life, and you persist in harassing me at the table. This is hurtful and rude, especially as I can’t control it and I’m trying to cope and not draw attention to it. Please understand once and for all, I’m not criticizing or insulting your cooking. I just can’t eat a lot of foods because they make me sick. Doctors have told me, and you know it. If you don’t stop badgering me, you’ll force me to leave the table and go to a friend’s house, every time. Worst-case scenario? I’ll stop coming to family dinners altogether. Now, what’s it going to be?