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So I just checked the mail and we owe $1900 on our mortgage. Our payment is $650 a month. We have a 60 day past due amount...so are under foreclosure review. Husband hasn't been paying it...obviously. Or when he does he only puts like $200-300 on it. Or tells me ya I paid on it, but is careful to never say he paid it all. When I get upset over the mortgage he tells me to put money on it if I don't like how he is doing it. He brings home 900-1200 every two weeks. He pays cell phone, cable and mortgage. I pay food, internet, water, electric, house phone, plus majority of extras for the kids.
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I assume you must have separate checking accounts???
You could at least see what is being paid if there was a joint acct. Or what if he transferred money to you each week/month and you pay all the bills? -
Yup. Last time we had a joint savings account (years ago) he took all my money and bought new tires.Comment
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Yikes!
:hug:
Best thing my husband and I ever did was go through Fiancial Peace University. We learned to work together on our finances - and everything else for that matter...Comment
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Wow!
I'm so sorry!
I think you need to arrange for someone to take care of your kids for a couple hours tonight, take your dh somewhere private, and confront him. Then, you need to say something like "how are WE going to fix this?"
It's time to open the books. You need to have all paychecks direct deposited to your joint account, and sit down TOGETHER and pay the bills each month. Call your bank, and make an appointment, for opening a new account, setting up a payment plan, and direct deposit (the mortgage loan officer will help you with this). I wouldn't throw DH under the bus, though. I'd go with there was a miscommunication between you two, and you'd like to fix this. So, you would like to work together with the bank to catch up the mortgage. Believe me, they DON'T want your house back, and they will normally work with you.
So..begs the question, where IS the money going? I'm sure you're wondering that yourself.Comment
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Protein supplements, shoes, eating out while he is at work??? He occasionally does give me $200 for electric because all I pay is stretched kind of thin. But he should still have plenty of money to pay what he needs to pay.Comment
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Oh, wow. So sorry this is happening!
I would make sure the mortgage payment is set up to automatically come out of the account..I bet he would make sure the money is in there then!Comment
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Awww that stinks. I am sorry you are going through this! I also think the two of you need to have a sit down & he needs to commit to the mortgage being a priority. My hubby and I both traveled for work and had separate checking accts and each of us paid certain bills just like you both do. Even now we do this and it works, but only if each knows the importance of not misleading the other partner. Heidi is right... The bank would rather see you work it out. Good luck with this and:hug:Comment
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Of those bills mortgage should be the top priority. While you are looking over finances I would also compare what renting costs would be (I'm assuming higher then 650 a month) in addition to what having a non-stable housing arrangement if this continues would do to your ability to get income from doing family child care.Comment
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I am praying and rooting for you that things turn around for the better.Comment
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Ask your mortgage company about HARP, we refinanced to a lower rate and saved a bundle. Even if you are "under water" you can qualify. I think you have to be current on you're payments though, so maybe get caught up, then apply?
:hug:Last edited by Michael; 03-12-2014, 12:20 AM.Comment
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I was just there about a year ago and was really, really shocked.
Can you have him transfer $x.xx into your account each month so that you can ensure that the mortgage is being paid? Perhaps he transfers enough for you to pay all bills.
If you need someone to talk to please feel free to message me.Comment
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Wow! I don't understand how someone could think it is ok to only pay, at most, half of their mortgage?! Paying the cable bill isn't going to do him any good if he doesn't have a house to watch it in.
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I second the Financial Peace University! We are going through it right now and it is AMAZING! Definitely check out daveramsey.com and look around. Search google about his methods. He is awesome and his system is really working for us.
But I'd also be having a BIG talk with my husband too. That is not ok on so many levels.
Good luck and lots of hugs!:hug:Comment
There is usually an auto pay option. This is what we do and then if we want to pay extra, we just go to the bank.
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