Hi everyone, I don't go on reddit much. I don't know if I'm even in the right category. I have no one to talk to about my situation and it's beginning to take a big hit on my life, or it is about to. All my friends have rich families and their parents will toss them money or help them if they ever fall into trouble. I will never have that luxury, but I've been working my ass off to make my own person.
I'm 26 and I make a decent living for myself. I'm still paying my student loans off, and I pay for everything myself..since I was 15. My credit is fantastic, around 740 I believe.(I'm a 3D artist for video games and I make enough to cover my own finances, and I try to keep 1-2 full months rent, this is my 'safety net'. I usually put some money away towards savings but lately I've been giving my savings and safety net to my mom to help her avoid eviction. I'm lighting myself on fire to keep my mother warm.
I've been helping my mother for a few years now with money every now and then, last year (2016) I gave her around $4k. Sadly toward the end of her lease, she didn't make enough to cover rent for two months so she got evicted from her senior apartments, and yes the eviction went on her record.
I don't know how to begin so I'll just try to type out what's happened in the past week.
Mom got evicted, I used a full week of PTO to find her a new apartment to live at, no where would accept her because of her credit (her credit is around 450) so I needed to cosign for her. I never wanted to cosign for her because she has a history of failing to pay for everything. I had no choice in the matter, she is my mom and I'm not going to let her be homeless..but it might ruin my future if she doesn't pay for her rent because then I'll have to use my safety net money to pay for her, then I'm screwed. I found her a place, I did all the leg work with the uhaul, moving, deposits, you name it... I did it all to fix the situation.
Her new rent is $1600 a month. She get's $1100 pension from my dead father every month. She's letting me take control of her pension and all that so that we don't miss a payment. She makes maybe $1k a month on her own with her sewing business. I made her a website from scratch and a new business card and all that so that she will have a better chance making money online. She makes all things related to wedding dresses, wedding apparel, etc. All her other bills including health insurance come out to around $1200. She can make enough to pay rent and all this..but she works 10-12 hour days to make this. It saddens me that she has to work this much at her age. She fell in love with my dad who was unstable and uncaring and left her to raise five kids by herself. The $1100 pension he left her was the best thing he's ever done for her. It hurts me to see her work so much after working so hard to support me and my siblings. I moved out at an early age so she didn't have to pay for an extra person anymore.
I guess what I'm asking for is help. She needs help. I need help. She's working herself to death and I will need to seriously be taking care of her withing the next couple years. She has terrible credit, I will need to cosign for her until she is gone. She's not at that point yet where I need to go out and buy her food and stuff. She can drive and walk and all that..she's just a bit overweight so her knee's are starting to give out. What options do I have to help my situation a little more? Can the Government send her money for being old and working her whole life? Can I claim her as a dependent? I'm doing what I know best..but I've only lived so long and have learned so much. I'm out of ideas and I don't want to ruin my own future because of my mom.
Sorry this is a lot at once and it's scrambled. I have no idea how to fully explain this. Hopefully I got my point out.
Thank you for taking the time to read this. I would really appreciate if anyone has any advice or is in a similar situation as me. We live in California just so that's out there. Rent is expensive pretty much everywhere.
Submitted May 30, 2017 at 10:50PM by corshmell http://ift.tt/2ski4Y6
