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What will I lose
Platinum


Reged: 05/21/07
Posts: 760
Loc: PA
Re: now it's hitting the fan...maybe it's started [Re: ttina]
      #188261 - 03/20/08 11:23 AM (12.76.69.177)
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yes you are right i painted a dire picture and financial picture constantly changes...i found out just today i was calculating my net pay wrong. I only bring home 70% of it not 75% DUH.. big mistake on my part. and it affected everything

and just last night i got a call that said i dont have to worry about a 1600 debt that just a few weeks ago we were told we owed. So that is great news and i can take that repayment out of my budget.

So...after redoing all my numbers, it turns out that today my budget shows me losing 18 bucks a month. But is that dire? nah. But add in 1100 alimony..YES thats dire.

but take off 220 for car almost paid off, and IF i can refi out both mortgages, then i definitely get my july raise, i will actually have 18 dollars extra a month even after her 1100 alimony!!! BUT that's a big assumption on alimony as we know. And if i cant refi because the house wont go FHA, i will be forced to move.

but i think i have the right numbers now as of 3/20/08 at 1120am. I always say numbers may change and i'm very far from perfect as evidenced from my miscalculations.

and yes, i do still love her...or rather care about her i guess you can say. I also HATE that life i'll be sentencing her to but have to not worry about it per friends and even people on this board. I know she will hate living with sis and her icky bf in the trailer. I guess i feel guilty about that. But everyone tells me it's not my concern but its so darn hard NOT to feel concern since i have all these years

--------------------
call me WWIL...PA resident 39 year old , married 11 years, together 12...splitting in 13th year.


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ttina
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Reged: 02/28/08
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Re: now it's hitting the fan...maybe it's started [Re: What will I lose]
      #188268 - 03/20/08 11:53 AM (205.188.117.143)
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It is at this point you are going to have to put some of the responsibility on your wife. She makes choices too. She CHOOSES to not try and improve her situation. I do not know what is wrong w/her... you may have posted... whatever. My momma's husband has muscular distrophy. He could sit at home and collect diability. He choose to get his degree and become a social worker. He works in an elderly car facility. He has broken hips, suffered from many ailments from gout to kidney stones. He is in a scooter full time now b/c his muscles cannot support him in a standing position. He is just about always got something "wrong". He chooses to live life to the fullest, not just be alive. It is amazing what the right attitude can do to dimish pain. Your wife chooses not to try to get a positive outlook, she chooses to doom herself to life withing four walls. You cannot take blame for HER choice.

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stoltz
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Re: now it's hitting the fan...maybe it's started [Re: What will I lose]
      #188269 - 03/20/08 11:54 AM (32.97.110.142)
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=====================================
IF i can refi out both mortgages
=====================================

Do you have two mortgages on one house or two houses with one mortgage? Do you live in a community property state (and/or is your wife on the deed)? If so, she will need to "ok" the refi. Do you have enough equity? Will the new balance create a heftier monthly payment or less? Sometimes it's a good thing to "shift" debt by getting a refi, and sometimes it isn't. Keep in mind closing costs, too, as they can easily eat away any profit (sometimes to the tune of $5-7k).


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HardKnox
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Reged: 06/13/07
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Re: now it's hitting the fan...maybe it's started [Re: What will I lose]
      #188274 - 03/20/08 12:27 PM (65.165.5.70)
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[quote]yes, i do still love her...or rather care about her i guess you can say. I also HATE that life i'll be sentencing her to but have to not worry about it per friends and even people on this board. I know she will hate living with sis and her icky bf in the trailer. I guess i feel guilty about that. But everyone tells me it's not my concern but its so darn hard NOT to feel concern since i have all these years [/quote]

I've got a virtually identical situation.

My X never had to work a day in our 15 years of marriage. She got a couple part-time jobs primarily to pay for her education. (She's like a life-long, professional permanent student.) But that was OK with me. She was happy. I was happy. We were happy. The dog was happy. We had a happy, sunny home of the shores of beautiful Lake Michigan.

But then the happy home became a "ghetto". And the husband became an "obstructionist". And worse. And it was DEMANDED that we move.

So I said, OK, we can move, but you'll first have to get a full-time JOB for us to afford anything more than we have right now. We're LUCKY to have the happy, sunny home on the shores of beautiful Lake Michigan. And that was the beginning of the end.

So, OK, she filed for divorce, moved out (into a REAL dump), the dog died, we got divorced, and now here we sit. She calls me 5 times per week saying how much she loves me, how much she misses me, will I take her fishing. And she's lonely and afraid.

It's taken six months of separation to finally not care MOST of the time.

I still love her.

I can't live with her.

Life goes on.


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What will I lose
Platinum


Reged: 05/21/07
Posts: 760
Loc: PA
Re: now it's hitting the fan...maybe it's started [Re: ttina]
      #188276 - 03/20/08 12:38 PM (12.76.69.177)
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[quote]It is at this point you are going to have to put some of the responsibility on your wife. She makes choices too. She CHOOSES to not try and improve her situation.[quote]

i didnt realize this until 2007...always blamed everyone but her for her situation. Was told i have a superman complex and i'm not responsible for fixing her. However i did, and still do to a degree, feel responsible that "I" should get her fixed. And she still says to this day that i should have encouraged her in the right ways and to stay married SOLELY because of the vows. Even blames both therapists for our breakup

[quote]
He chooses to live life to the fullest, not just be alive. It is amazing what the right attitude can do to dimish pain. Your wife chooses not to try to get a positive outlook, she chooses to doom herself to life withing four walls. You cannot take blame for HER choice. [/quote]

i did for 7 years...no more. And see the conflict it got me lol. Someone told me i'm entitled to a life. I honestly didnt think i WAS before someone told me that. ALso i firmly believed i had zero chance at finding a woman once they heard i left a disabled wife. But when i found out people do understand about things like this, it enabled me to start thinking of leaving her and not thinking i'm responsible for her to be 'encouraged' correctly.

and if she moves back home with family and DOES miraculously get better, it's obvious i was doing the wrong thing or else she got motivated by me leaving her..either way she was doomed if she stayed with me and i figured why not at least one of us be happy instead of 2 miserable people

i'm definitely in the ME phase now :)

--------------------
call me WWIL...PA resident 39 year old , married 11 years, together 12...splitting in 13th year.


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What will I lose
Platinum


Reged: 05/21/07
Posts: 760
Loc: PA
Re: now it's hitting the fan...maybe it's started [Re: stoltz]
      #188279 - 03/20/08 12:49 PM (12.76.69.177)
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[quote]=====================================
IF i can refi out both mortgages
=====================================

Do you have two mortgages on one house or two houses with one mortgage? Do you live in a community property state (and/or is your wife on the deed)? If so, she will need to "ok" the refi. Do you have enough equity? Will the new balance create a heftier monthly payment or less? Sometimes it's a good thing to "shift" debt by getting a refi, and sometimes it isn't. Keep in mind closing costs, too, as they can easily eat away any profit (sometimes to the tune of $5-7k). [/quote]

1st mortgage 1994, 1st wife still on it.
2nd mortgage 1997, 2nd wife on it and deed.

I'm confident i can cover the mortgages and closing costs even in the 'not so perfect state' of my house. (this would be 110 plus closing costs plus i assume 5% down ). And of course i lose the 13 years of pymts i made but hey, this isnt easy right? But a few potential safety issues (thus the need for an official appraisal) may mean that i cant do FHA and because of my bankruptcy i cant do conventional until 2 more years). I dont know if conventional would solve my potential issues anyway.

If i could refi today for the minimum to cover the mortgages, i knock my total of both mortgages from almost 1700 down to around 1000. (that 700 will go towards alimony obviously). However, if my wife is only in fact able to get the 1996/married date value of the house, i believe i would be able to get a nice chunk of change out of the house (which i dont mind handing to her in lieu of alimony for a few months/years or to pay off other debts)

however, i dont know the tax/legal consequences of this and will be retaining counsel next thursday to discuss.

I think PA is not a community state but am unsure and as you noted, she has to sign off on the deed so i'm 'stuck' for now and cant do a thing until i file and she gets her own atty.

--------------------
call me WWIL...PA resident 39 year old , married 11 years, together 12...splitting in 13th year.


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What will I lose
Platinum


Reged: 05/21/07
Posts: 760
Loc: PA
Re: now it's hitting the fan...maybe it's started [Re: HardKnox]
      #188280 - 03/20/08 12:57 PM (12.76.69.177)
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[quote] She calls me 5 times per week saying how much she loves me, how much she misses me, will I take her fishing. And she's lonely and afraid.

It's taken six months of separation to finally not care MOST of the time.

I still love her.

I can't live with her.

Life goes on. [/quote]

the calling comment you made reminded me of something she said a few weeks ago. She said ' you wont ever come visit me will you?" I said well that would be weird wouldnt it? So i guess that's how much she likes me, she still wants to see me afterwards. (4 hour drive). I frankly told her 'well it depends how the divorce goes.'

so we will see how it goes..heck if she gave me what i thought was reasonable, i'd even build in wife visitation for her! I wouldnt mind it. I wonder what her atty would think? See i told her too bad she cant stay local, i wouldnt mind hanging out i just cant be responsible for her anymore.

ive pretty much decided i cant love her because of what i'm doing but sometimes i think i do. But then i think would i be doing all this if i did love her? So i say i care about her as a human and always will. And i always want the best for her as i do for all my friends but i cant fix their lives either. its hard for me to let go but i do feel relief the past year that she has taken over calling her own DR and prescriptions and insurance companies.

but as she told me 'you should have left me years ago' and she is right, i should have. But i didnt. i thought it was my job to fix her and even must have agreed with the vow thing to stick around. As everyone here can tell, i do tons of what ifs and have a heck of a time with decisions. Thats because i have to live with a very strict conscience and now at least i believe i can live with myself 'abandoning' her because she pretty much admitted she gave up on life and always thought i would be around. I feel like a sucker.

--------------------
call me WWIL...PA resident 39 year old , married 11 years, together 12...splitting in 13th year.


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HardKnox
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Reged: 06/13/07
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Re: now it's hitting the fan...maybe it's started [Re: What will I lose]
      #188290 - 03/20/08 01:30 PM (65.165.5.70)
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[quote]I feel like a sucker. [/quote]

You're not a "sucker". A "sucker" is a long, round-bodied fish with a dark green, grey, copper, brown, or black back and sides and a light underbelly. It is a bottom-feeding freshwater fish inhabiting North America from Labrador in the north to Georgia and New Mexico in the south.

http://en.wikipedia.org/wiki/White_sucker

What YOU are is a guy who gave his word, who took an oath, and battled his way through a very difficult marriage for many years. So of course it's difficult for you. I noticed some people kind of reaming you out, accusing you of waffling, do you want to be divorced or NOT.

What's different (and I'll admit I haven't read all of your posts) from many (maybe most) people here is that I don't recall any mention of infidelity, or physical abuse of any kind, or any drunkenism on your part. So nothing really TERRIBLE happened in your marriage, did it?

I think it is fortunate for the few guys (who have told me these very words, via PM) that ended their marriages with the love for the X intact. Why SHOULD you contaminate your life with bitterness and hatred and bile?

It simply hastens your deterioration.


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What will I lose
Platinum


Reged: 05/21/07
Posts: 760
Loc: PA
Re: now it's hitting the fan...maybe it's started [Re: HardKnox]
      #188293 - 03/20/08 01:43 PM (12.76.69.177)
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[quote]So of course it's difficult for you. I noticed some people kind of reaming you out, accusing you of waffling, do you want to be divorced or NOT.

What's different (and I'll admit I haven't read all of your posts) from many (maybe most) people here is that I don't recall any mention of infidelity, or physical abuse of any kind, or any drunkenism on your part. So nothing really TERRIBLE happened in your marriage, did it?
[/quote]

well i cant blame the people for trying in the only way they know how and with the limited info in my posts. You'd have to keep up with the story to know my wife is disabled, i took her all over to different doctors etc.

and you are right, nothing 'terrible' happened and i'm sure lots of people do have other abuse stories much 'worse' than my story. So probably think it's easier but i think it's harder. Pretty much no one will say you should stay with a spouse that drinks and abuses you. thats like a gimme and you SHOULD leave. period. But when you have a situation like mine, it is more difficult to choose because there is more than 1 way to look at it (vow forever no matter what vs divorce). And yes i needed a lot of prodding from myself my friends and my therapists to even come to this decision. one thing i do, and everyone here will agree, is take my time to make a decision. I dont do things half assssed and i, when possible, admit i do like to know the answers before the questions are asked. I see nothing wrong with thorough research before acting. Which is why im here

Plus id rather be yelling back and forth on the forum here venting than with my wife. I have to live with her, not any of you :) Ill do what i can to keep the peace at home as long as i can.

--------------------
call me WWIL...PA resident 39 year old , married 11 years, together 12...splitting in 13th year.


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gigi
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Re: now it's hitting the fan...maybe it's started [Re: What will I lose]
      #188313 - 03/20/08 03:02 PM (68.110.66.68)
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I want to repeat something that HK said, in a different way. My own divorce was amicable and it IS possible to keep it that way, and it's nice when you can. I even still loved my husband and he loved me, there were just things that happened that made us realize we were not right for each other. It helped tremendously that we had never brought children into what we knew was not a good partnership... it was a struggle to stay together wtihout children, and it would have been harder with children, but we'd have done it longer "for the kids" and ended up maybe not being as amicable for the same reason, if we'd had them.

And I also wanted to know all the possibilities before leaving. It made things easier when the end finally came.

But I understood that I WOULD lose stuff, that I WOULD lose lifestyle, that I WOULD have to tighten my beld in order for this to happen, because the alternative would be to pull dirty tricks to get more than my fair share of the marital assets. And that's what I sometimes see you doing. You rarely have that caring part of your situation and OFTEN have the "how can I get more out of this, I'm so angry at her" part.

And for YOU, the longer this goes on, the more the "I'm SO angry at her" part will show up! HK stayed, hung on, cared for her, but was NOT the one who wanted a split and would have stayed forever. This is not the case for you. Sadly, I see times when it looks like staying longer already has taken it's toll. But worse, if you are staying for purposes of positioning yourself well for an amicable settlement, then the fact that things are deteriorating and becoming less than amicable, the fact that she took $15,000 to protect herself from you, the fact that you could not manage to live a week with the MIL's visit without being cordial, the fact that the MIL showed up, unannounced and apaprently plans to make it a habit as if she has to conduct surprise visits to keep her daugter safe from you... these are NOT good signs that dragging this out is going to make it go in your favor or even even-handedly.

And here is one more difference between HK and me about the actual point of divorce... after the divorce, even though we still loved and respected each other, MY ex and I maintained the no contact rule. To do otherwise would have prevented one or the other of us from moving on. We COULD have stayed in contact, easily. We worked one block away from each other and had lots of opportunities to get together for lunches & etc., but what would be the point?

I think it's a fantasy when you start on the journey to divorce, that you'll remain best friends, and that might be some of what your wife is hoping... it's a daunting task to have to replace your FRIENDS as well as your PARTNER in your life... but truly, your wife needs a NEW best friend, someone to confide in about her hopes and dreams for her future, someone to reassure her that there IS a new mate out there for her, a partner in life who won't mind her situation, but it's not going to be the typical, run-of-the mill guy who works for a living and doesn't want to come home and take a second shift in taking care of her. Heck, it might be someone else who is also collecting disability.

Heck, come to think of it, she might be perfect for JBar! (whoops, getting carried away... I played matchmaker a few months ago for a couple of friends and they tell me they're having a great time now).

Your wife doesn't want anything to change from what is happening right now. She might say she does, but you've helped her maintain JUSt the level of comfort she needs to not be motivated to actually MAKE any changes. Like with an alcoholic, some have to hit their own personal "rock bottom" before they will take the trouble nad effort and pain to change. And your wife has not hit whatever she needs to hit, to get to her version of "rock bottom", because you've taken care of things for her. She will not get better, will not move on, for as long as you stay in her life and stay her friend... but the unknown is scarier than staying with you, even if staying with you is no longer fun. So of COURSE she wants to remain friends. And you are right to be honest about things ... and COMPLETE honesty is that it DOES depend upon how the divorce progresses. You can NEVER say NEVER, as far as staying her friend. If this divorce is the kick in the pants she needs to get up & take a walk around the block every day for a month, get back to her old self, apologize for her past wallowing in her misery, etc., etc... who knows.

But I honestly think that what's going to happen is her life will re-set back to a new plan, with a different set of hopes and dreams and friends, and it will work better for her than this lifestyle works. And I honestly think you will not be motivated to continue contact with her the way HK has continued with his ex.

I hope if you really are taking the steps now, that you have not hung on so long that you're at your last straw, and you will be able to hold onto your sanity and keep things as amicable as possible till it's over.


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