Tag Archives: financial advice

“Jaw With John” – Boyfriend Needs A Budget

When my boyfriend and I started dating seven months ago, I loved that we went out on fun dates. However, I started wondering where his money was coming from. I now know that he still receives income from his mother, even though he’s 23 and out of school.

Although he’s working a part-time job, I know it’s not enough to cover his bills. When I confronted him about searching for more work, he said he’s waiting to find his “true passion.”

He spends money on meals out, expensive clothes, and acting and writing classes. I value a strong work ethic, and it’s difficult for me to see him using his parents’ money rather than trying to make enough on his own.

How do I discuss this with him? Is it wrong to impose my values on him? — Anxious

Dear Anxious:

Some dudes will never learn. That’s a fact.

Me? I’m a dude who still lives at home but I don’t get money from my parents. I work various jobs to make money as I try to find a more permanent employment situation. But, I also don’t spend the money (which I don’t have) on things I don’t need like clothes and meals out, like your guy does. I have something called self-control. He seems to need a certain lifestyle and cannot deviate. He’ll find out the hard way that his lifestyle cannot be maintained by his current income.

You can discuss this with him, but you can’t impose your values on him. He won’t listen. Trust me. It’ll suck but, he needs to learn budgeting on his own.

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“Jaw With John” – Marcellus Wallace Has Some Words For You

Recently my good friend’s daughter and her husband had a baby who needed medical attention. They have hosted several in-person fundraisers, as well as ongoing online fundraisers.

Both parents have jobs that provide good insurance. I recently found out this young family is using funds to pay their rent and buy new and expensive things — all unrelated to their child.

I find this heartbreaking to everyone concerned. Their child is scheduled to leave the hospital now, yet nothing has been updated online and the fundraising continues. After hearing this (verified) information I do not want to participate. What now? — Disheartened

Dear Disheartened:

I would argue that paying rent is related to their child. But that’s just semantics.

As for “What now? Let me tell you what now. I’m gonna call a couple of hard, pipe-hittin’ –” wait, never mind, that Marcellus Wallace quote doesn’t really apply here so I’ll cut to the chase.

Don’t give them money. That’s what you do now.

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“Jaw With John” – Void The Check, Not The Friend

I have a friend whose daughter and mine were classmates in intermediate and middle school. Although our daughters moved on to different high schools, we remained close friends. Our daughters graduated the same year but three weeks apart.

She sent my daughter a graduation gift, a check for $100. I reciprocated with a check of the same amount to her daughter when she graduated.

Weeks later, we went out to lunch with two other friends. After lunch, she tried to return the check I gave to her daughter. I politely said, “No,” adding that it was for her daughter — just an even exchange of gifts.

A month later, I noticed she still had not deposited my check.

I sent her an email reminding her to do so and that I hoped she had not lost the check. I did not get a response. It’s been almost seven months but she has not deposited the check.

Our other friends told me to let it go.

I am really confused about this. There was no argument — in fact, I gave her birthday and Christmas gifts months later, which she accepted and thanked me for. What should I do? — Bewildered Friend

Dear Bewildered:

After some period of time don’t checks become void if they haven’t been cashed? I know very little about nuances of finance, but I think this check is kaput.

For some reason, she doesn’t want your money. Yet she is perfectly OK with giving you HER money. It’s very confusing and may be an issue of pride. You have tried your best to see why she won’t accept and she has repeatedly tried to return the check to you. I think it might be time to throw in the towel and void the check yourself.

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“Jaw With John” – He’s Got You By The Ovaries

My boyfriend and I have been dating for six years. He is 26 and I am 23. We live together and share everything. We have talked about marriage and kids many times, but we seem to have different opinions. He says we might get married, but then he changes his mind.

He sees us as pretty much “married” already (but without legal documentation) and he’s worried about our financial status if we get married. He says he’ll feel really old if we get married and that he wants to “experience life” before he gives it up for a kid.

I told him if he ever asked me to marry him I would say yes and if he wanted kids I would have them. I don’t want to push him away, but I want to be bound to him legally and religiously.

For now, we are relying on his parents financially. I just want to know for sure if we’ll take things to the next level. If not, I will stay with him regardless, I guess. How should I approach this? — Confused

Dear Confused:

So, lemme get this straight, you’ve been dating since you were 17 and he was 20? … Was that legal? Or did you Age of Extinction me and find out about Romeo & Juliet laws? Either way, I digress.

Your boyfriend talks about feeling “really old” when he gets married (NEWSFLASH: it means you’re getting older when you get married!) and wanting to “experience life” (Sounds like he doesn’t want to be tied down, maybe he’s got something on the side?) before all of that and it makes me believe that he really doesn’t want to get married or have kids at all. He has said he doesn’t want them any time soon but you two are far too young to be getting married, having kids, living on your own etc. and given that you are still looking to his parents for financial help … I don’t think marriage or a baby is right for you. Pump the brakes on the ol’ baby-maker.

Whoa whoa whoa. I just noticed something else: You want this relationship to go to the next level but you’re willing to stick with the status quo regardless … You’re a tough one to crack. You want marriage and a baby, but only if he does. You don’t want to push him away, but you can’t leave him. He seems to have you by the (female version of) balls (ovaries?). He knows what you want but won’t give in. You’re trapped in this relationship and you need to take a hard look in the mirror and see what you want and then tell your boyfriend how you’re feeling. Only then can you move forward.

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“Jaw With John” – Ugh, Her Parties Suck

Please update us on current customs, etiquette and hospitality.

My husband and I have a younger friend, “Laura.” She is a psychologist in private practice and a yoga instructor on the weekends.When she had her 35th birthday at a local bar/party room she told everyone to “order lots of food and drink.” We had a can of Sprite and a small bag of potato chips and left early. The next day Laura asked why we left without paying for our refreshments and share of the room rent.

For her 37th birthday, she solicited donations to pay off her student loan. At her 39th birthday party, she had a “smile table” for guests to pay for her dental work (I skipped parties on other years).

Now we are invited to her “wedding.” She was married last year. They are having a reception with “light snacks” on their first anniversary. On the invitation they requested contributions for fertility testing and an IVF procedure.

My husband and I like to help others. We have willingly given Laura thousands of dollars over the years. I’m a retired nurse and volunteer many hours caring for homeless people.

Should we start saving for their eventual down payment on a house? — Bewildered in Seattle

Dear Bewildered:

This girl just want people to finance her lifestyle. Don’t give in. You’ve already given more than enough. She is at the point in her life where she needs to be doing things herself and stop asking others.

There is clearly a pattern for soliciting money. She encourages people to “order lots of food and drink” and then gets mad when you don’t pay for your soda and chips? I’m willing to bet that there were some party-goers who did as they were told and when the bill came for them they must’ve been surprised because she made it sound like she was going to pay for it all. This is the kind of person who would divide up the check evenly amongst an entire group of people even though some people’s meals were significantly less. Those people annoy me.

Break the pattern. Wish her well in her marriage and leave it at that.

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