Tag Archives: fees

‘Deadbeat’ Dad Chronicles, Odd Jobs Part Two: The Costly, Though Well-Intentioned, Mistake

Today I’m not only continuing with the story of how I worked odd jobs in order to stay current on child support payments, I’m also going to share with you a certain non-frugal mistake, made in the past, that has brought me a lot of grief later.

There was a period in my life where I was conducting secret shops and also working at a labor hall at the same time. I’d get a check each day at the end of my shift. I’d cash the 60-80 dollar check, drive from my place in Pasadena, TX to Liberty, TX and put a bit of cash in my ex-wife’s hand. I did this because if I sent the money to the child support office it would take a lot longer for my ex to get the money and there were things my son needed right away. I’m sure non-custodial parents out there can relate. After giving my ex the in-person payment I’d fill my gas tank and eat off of what was left.

Did you catch the mistake? Here it is again: cash in my ex-wife’s hand. Ya see, at the time of my divorce my ex-wife and I were the happiest divorced couple I ever knew. We got along, talked, didn’t argue and even made each other laugh. I had heard of the horror stories but enjoyed not being one of them…yet.

Time went on and sure enough things changed. We became one of the horror stories you hear so much about and then I was hit with something I had heard of, but never imagined would happen to me. I started getting letters from the Attorney General’s office. They wanted to know when I’d be sending a payment. I explained the situation to the person on the other end of the phone line but they were less than sympathetic.

Cash Transactions

I had made a huge mistake by assuming cash payments directly to my ex-were okay. And now that she considered me less than a friend, I was always in danger of her choosing to go to the State and have them enforce payments. This is one of those times where I felt more than a little stupid.

Obviously, this was not a frugal decision. Just as with loans, back child support comes with a not-so-friendly attachment called interest!

Great...now I gotta play catch up

Great…now I gotta play catch up


Great, now I have to play catch up!

This is not a situation any of us want to be buried under. Just as purchasing a bigger home than one needs, using your credit card for a massive shopping spree or keeping up with the Jones’ can result in a dark, financial cloud hanging over one’s head, haunting you and suffocating your financial plans for the future, so can making poor decisions regarding child support payments.

My advice to anyone that is paying child support is to send every single penny through your state’s Child Support office.
tx-attorney-general

It’s the wiser, frugal decision because it will help avoid interest and your possible future arrest due to falling behind despite your best intentions.

In the next edition of the ‘Deadbeat’ Dad Chronicles I’ll share one of life’s unforeseen events that didn’t exactly help the situation at all.

Advertisements

‘Deadbeat’ Dad Chronicles, Odd Jobs- Part One

As a non-custodial father paying child support, I live life under the microscope of scrutiny from not only an ex-wife, but society in general. Not only do I wake up determined to succeed financially to provide for myself, but I have the added pressure of providing for a son who does not live with me.

I’m not saying this financial responsibility is more burdensome than a custodial parent’s job, nor am I saying that one should feel sorry for, or be lenient with, a parent who is paying child support.

However, I have recently become very familiar with society’s misconceptions concerning the toil of supposedly deadbeat dads. So I think it’s time we explore what a father goes through financially in order to provide for his child, keep up with court-ordered payments, avoid jail and be a good example to his child.

The Odd Jobs.

Jail is not exactly my idea of a good time. I can’t even stand to be in my own house for more than two hours. I get anxious, like a caged dragon I feel the deep need to escape and spread my wings.

With this mindset I have always been motivated to seek odd jobs if I was ever laid off. So, what jobs did I take in order to keep up with child support?

First, there was Secret Shops. Many folks have a misunderstanding of how this industry really works. There are horror stories but I can tell you personally that there are legitimate secret shop companies that will literally pay you to shop.

Side note: If you Google “secret shops” you’ll be flooded with choices. Avoid any company that states you have to pay to become a secret shopper. Most of these are not legitimate.

One company paid me to go to Burger King, order a meal and fill out a report. The report included details about the taste and temperature of the food, the cleanliness of the store and if proper signage was displayed in the location.

For a recently laid-off individual this was a great way to keep my head above water because I’d be reimbursed for the meal and be paid an extra $5 – $10.  Therefore, the groceries I had already bought would stretch a bit further while I ate these “free meals.”

Another secret shop company sent me to Mattress Firm to pose as a customer interested in a new bed. This is by-far my favorite kind of secret shop. During the visit I’d take mental notes about the employee’s performance, level of professionalism, the cleanliness of the store and which model features the employee demonstrated along with several other key aspects of the employee’s job. I’d do this while the employee demonstrated the many positions of the adjustable bed. Yeah, it was tough but somebody had to do it.

Secret shops are easy and convenient. I’d have lunch at Burger King while out looking for a job and enjoyed knowing I’d be reimbursed for the meal. Then as I go about the rest of my errands I’d stop into Mattress Firm, lie on some really comfortable beds and get paid for it!

There are some folks who are professional level secret shoppers. I never rose to that point myself but shoppers who are dedicated and reliable are eventually given higher-paying shops. There are even some secret shoppers who earn above $30,000/year.

Obviously this would help a struggling mom or dad avoid jail time which can sometimes result from falling behind on court-appointed payments.

Generally speaking, secret shop companies pay their shoppers once a month. So, my advice is to be very detailed in your record keeping as an independent shopper. Keep your receipts, keep track of the shop location, expected payments, etc. At first, look for shops that don’t require you to buy anything. One example is the Mattress Firm shop I mentioned. A shop at James Avery requires you to ask questions about jewelry but not make a purchase.

The profits from one month of these shops may then be used in your second month for shops like Burger King for which you’d be reimbursed.

With discipline you can earn a good part-time income which can help you stay current on child support payments. If you are a non-custodial parent, it pays to be prepared to take on work where you can find it and practice frugality…and avoid those annoying silver bracelets.

A good verse to keep in mind is Proverbs 27:12
The prudent see danger and take refuge, but the simple keep going and suffer for it.

The “dangers” we face as non-custodial parents are varied.
A. Failing to set a good example for our childrem
B.  Additional interest due to falling behind on payments
C. Jail time

But, spending time in prayer,

asking God for guidance and seeking wise counsel  from others in similar situations (Provrrb 15:22) can help us avoid these financial pot holes.

Another favorite verse is Poverbs 6:6-9
6 Take a lesson from the ants, you lazybones. Learn from their ways and become wise!
7 Though they have no prince or governor or ruler to make them work,
8 they labor hard all summer, gathering food for the winter.
9 But you, lazybones, how long will you sleep? When will you wake up?

Ants, animals not as smart as humans, are smart enough to plan ahead, work, store up for a rainy days, etc. Non-custodial parents need to plan ahead. Save for those unexpected lay offs, injuries and economic storms so that you don’t miss any payments, ever!

Have you had to take on the odd job – or two – to keep up with child support payments, lest you be called a deadbeat dad (mom) and potentially face dealing with the judicial system? I’d love to hear your stories!