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: Once a year, I get together with old high school friends I’ve known since the 1980s. A few of them come back to our town for Thanksgiving. I’ve always secretly liked one of the guys, but he’s never expressed an interest in me. But last Thanksgiving he started flirting with me. I’ve been thinking of him ever since, and this November I think we’re going to make our move. I told a girlfriend about my plan, and she said it wasn’t a good idea because he’s in a bad marriage and it would just complicate things. Besides, I have a longtime boyfriend, but things are kinda dead between us. Now I need to know what to do about this guy. What should I do?
–Confused Wannabe Girlfriend
Confused? My dear, you’re positively addled. You’re drawing close to entering affair mode. You’re reaching out to flirt with an unattainable guy and not telling your partner about it. How would you feel if he secretly got together with an old crush and didn’t tell you? You need to answer some questions. Why do you need to go outside your relationship for thrills? What does this suggest about what you and your guy have? What are the symptoms? And, don’t go sniffing around the other guy, who isn’t a good bet (your girlfriend gave you invaluable advice). Ms. L.B. advises you to work on the relationship you have. If it’s truly “kinda dead”, then end it. If your old friend from decades ago decides to flirt, quash it. Say something like this, short and sweet:
Kevin, last year we flirted, which was fun but an unwise thing to do. It was unfair to our partners. You’re married, I’m in a longtime relationship. Let’s stick with friendship and leave everything else alone.
Dear LetterBalm: My daughter is 18 and going into her senior year of high school. She’s very bright – she’s taking several advance placement courses and has many activities, and we have every expectation she’ll get into a good college. She has a 19-year-old boyfriend neither my husband nor I can stand. He dropped out of school two years ago and is showing no signs of getting his GED. He works as an auto mechanic. This isn’t what sets our teeth on edge. He’s lazy, and they camp out at our house in her bedroom. Since she’s been with him, our daughter talks back to us and ignores her curfew and chores. My husband and I also think they’re having sex. What can we say to her to fix all this?
–Mom and Dad Cops
Something to fix it all? Nothing in the English language, or any other language, for that matter. Let’s review. You have a teenage daughter in the throes of lust who thinks her underachieving boyfriend is, well, adorable. She’s picked up bad habits. She has considerable leverage over her worried and disapproving parents, and she knows it. She’s itching for independence. You might try turning the tables on her with kindness. It’s difficult to do, but you and your husband may be able to wait her out. Ms. L.B. says, after all, one of life’s truths is that parents don’t like every one of their daughter’s boyfriends. The two of you might consider having a calm talk with her when Darling Boyfriend isn’t in the house, appealing to her maturity and your trust in her:
Ava, we wanted to tell you we’re proud that you’re going into senior year with several AP courses already under your belt. This is an important time for you, and we know you’ll have a strong year and line up acceptances at good schools because you’ve worked hard and you want this. We also wanted to reassure you that Dwayne is always welcome here, you know that. Just one thing, and we won’t belabor it: We trust you’re using birth control and protection because a pregnancy wouldn’t be good now. Nor would an STD. You’ve got a good head on your shoulders, you’re a mature person and you know what to do. You also know that backtalk, shirking chores and curfew infractions have to be dealt with because these are your responsibility. We love you, Ava, and we’re want you never to forget that we’re always proud of you.