Just wondering what some financial people might recommend. Our family just got a little bit bigger (in-laws moved in with us) & our current vehicles only hold 5 max (we are now 6 in the household). We’re looking into vans & the one we want is offering 36 months 0% financing…despite that great interest rate, the monthly payment will still be EXCRUCIATINGLY high…after a little brainstorming, was wondering if it would be wise to paydown the financable balance at financing with a HELOC check to get it to something reasonable, pay off that balance in 3 years, then pay toward the HELOC? Anyone ever do this? I think this is better then putting the ENTIRE vehicle on the HELOC (something we pondered as well & something some of our friends do w/o a second thought).
Posts Tagged ‘household chores’
Recommend buying a vehicle half loan, half equity line (HELOC)?
Sunday, December 27th, 2009What are the odds my wife will come back to me?
Thursday, September 17th, 2009So, here is my situation.
My 45 year old wife (I’m 49) of 16 years (18 year relationship) announced to me 5 weeks ago that she no longer loved me and had fallen in love with a man who works at her place of employment. I am heartbroken. I have loved this woman the entire time we have been together, and aside from a few mistakes, I have been as good of a husband as a man could be to a wife. I take care of her, do more than my fair share of household chores…have told her every day that I love her and care about her.
Over the course of our marriage, we have had our ups and downs. This is my second, and I brought two young children into this marriage. I had a difficult first wife, and she occasionally made life difficult for all of us.
About 10 years into the marriage, my wife transitioned from a moderately paid secretary to a more highly paid tech in the computer field. Also, she is a heavy woman, and at this time had successfully taken advantage of the Phen/Phen ‘craze’ at the time. She lost 100 pounds, and between her newer looks, and greater self esteem from her improving occupation, (along with stresses with the children and the 1st wife), she announced that she was leaving me. She left for a man she met on line…after a few months that failed, and she continued to sow her oats with a few acquaintences.
After about 4-5 months, we talked and she moved back in with me. We decided after much discussion (and requests from the first wife) to have the children move back with her. This left just the two of us.
During this time, just for reference, as the phen/phen craze came to an end, she returned to her previous high weight. Her career continued to grow and her income increased significantly.
Approximately 4-5 years later, I made a terrible mistake and had an encounter with a woman I had met online. There were a couple of encounters with her over a short period of time…and my wife discovered her number in my PDA at the time. I probably could have ‘lied my way’ out of it, but decided to come clean. After a short period, in which we remained in the same house, we got passed it and life moved on.
Approximately 1 year after this event (about 4 years ago now), she had a gastric bypass operation. It went well, and she lost over 120 lbs. Her career was now growing strongly, and her salary was now 2 to 2 1/2 x her salary as when we first met.
Then, about 6 months after her operation…she began to drink. It started slowly, but rapidly increased. Before I realized it…my wife became what I feel would be considered an alcoholic. For the past 3 years…she would drink as much as 8 mixed drinks a night. Soon, our ‘routine’ would consist of us coming home from work…she would drink immediately after changing from her work clothes…within an hour or two she was drunk…repeating things to me 3-4 times in a 15 min period (forgetting she had already said what she had said)…we’d struggle to decide what to have for dinner and to make dinner…and by 7-8 pm, she would be asleep on the couch. Sometimes she would wake after an hour or so to have another drink…but ultimately by 10 I would help her up to bed, we’d sleep, and the daily cycle would begin again.
On weekends we’d have pleasant mornings…but often my suggestions for things to do during the day were met with "you go" and she would stay home. She was often tired and spent long times on the couch resting or sleeping. And then, always, by 3-4 pm, she would begin drinking.
Now she has worked for a contractor for about the last year, her salary has reached 6 figures, approximately equal to mine. There, apparently, she met this man, and their relationship began 4 MONTHS ago.
The timing on this relationship start coincided with me suffering a fall that injured my hip. I was on crutches for this time. I have recovered to about 95% now.
This man, who she has enormous respect for, is 37, 8 years her junior. He has fallen in love with her, and he wants to marry her one day. Within the week after her telling me that she wants to leave me, he informed his older wife (age 52) that he was leaving her and their 3 young adopted children (ages approx 2, 4 and 8).
She told me that he treats her like a queen, but honestly there’s no way that he could be treating her better than I have over 18 years. She also says that he is "strong enough to stop her from drinking".
After remaining with me one week, drinking every night, she left our house, and her and him obtained an apartment near their workplace.
Since then, she has moved some furniture out – but not very much, although that may be more of a function of the size of their apartment than anything else (she, in her guilt, has agreed to leave me the house and its equity) The few times I’ve talked to her, she indicates she is no longer drinking. I feel guilty and frustrated that I could not stop her from drinking (I did not sit idly by while she drank the last few years…I tried to stop
Related ‘household chores’ sites :
| Creative Homemaking / Organize / Household Chores CreativeHomemaking.com offers practical tips and advice for organizing household chores. www.creativehomemaking.com/ | |
| How to Divide the Household Chores Conflict over domestic chores around the house is second only to conflict over money in a marriage. Here are suggestions on how to divide up household tasks and how ... marriage.about.com/cs/time/a/ | |
| 10 Household Chores and the Shortcuts You Need To Make Them ... Find shortcuts for common household chores. Whether you're washing dishes or dusting, there are shortcuts that can help you get your jobs done more ... housekeeping.about.com/od/... | |
| Household Chores Do men, women, and children share in the household chores? Do you think children should be required to do housework in order to receive allowance? ... www.esl-lab.com/vocab/ | |
| How to Assign Household Chores | eHow.com How to Assign Household Chores. Running a household efficiently is one of the most difficult tasks there is. Here are some ways to make it a little bit easier. www.ehow.com/ | |
| Housekeeping - Wikipedia, the free encyclopedia Some housekeeping is housecleaning and some housekeeping is home chores. ... [edit] Household chemicals. Various household cleaning products have been developed to ... en.wikipedia.org/wiki/ | |
| Household Chore List - LoveToKnow Cleaning A clear household chore list is important to keep the household running smoothly and to ... In this way, all the chores are divided evenly and no one has an ... cleaning.lovetoknow.com/ | |
| Household Chores - Making Chores Fun | eHow.com Household Chores.Household chores are a necessary part of keeping your home clean and healthy. They're also a great way to teach your kids essential living skills. ... www.ehow.com/ | |
| Household Chores | Answerbag Learn about Household Chores on Answerbag.com. Get information and videos on Household Chores including articles on parenting tips, chores for, household help and more! ... www.answerbag.com/ | |
| The Family Household Chores With all the demands of going out to work and parenting, there's often less time to devote to household chores. Don't fret - family members, especially children, can ... hubpages.com/hub/ | |