Brenda's Child

Showing posts with label finance. Show all posts
Showing posts with label finance. Show all posts

Sunday, January 29, 2017

Lessons in Ratchet TV



Love & Hip Hop is a mess. But it’s my guilty pleasure and it’s definitely a great source for writing about self-esteem and womanhood. Recently, social media blew up after learning that after such a big wedding production last year,  Yandy Smith is not legally married to her children’s father Mendeeces because she never filed the paperwork. As a result, the mothers of  his other children couldn’t wait to condemn her for it. While the drama that resulted is ridiculous,  I still can empathize with the women, so I  won’t bash any of them  but I will defend Yandy’s choice 150%.  
First of all, I’ve been both the old baby momma and the new baby momma (Ugh, I despise that term). As the first baby mom I felt I was entitled to certain rights, that he loved me more that the next, that I was special. I was bitter because even though I called myself ending it with him, he was having a baby with someone he cheated on me with, supposedly when  we were  “on break.” ( Yeah ok, miss me with that one). I could forgive him, but not her.  So I went Petty Labelle on her, trying to make her jealous, keep him over later and a host of other dumb shit.  In my mind, she deserved to hurt the same way I did.Eventually I got my head out of my ass and realized that at the end of the day, I needed to focus on getting myself together, on healing from my own heartbreak instead of trying to cause it for someone else.
 As the new baby momma I thought I was special for a hot second. Once more I learned (first hand and through the lives of others)  about child support, and baby mommas who were angry and bitter, who misused child support  and those who needed every dime. But I also knew baby mommas who were over it and happy with their lives.  At different points in my life I was one who asked for nothing, and also who asked for basics,who demanded equal responsibility.
Based on what I learned about relatonships and self-worth over the last 17 years I respect Yandy for not signing that paperwork. When you marry someone you marry their debt and their credit score. If they don’t have their finances in order, you could in fact wind up paying child support, or the IRS, or extra insurance for their speeding tickets. The reality is, sometimes things don’t work out, and as woman we have to  protect and plan.  Enough us aren’t taught to protect our coins, get prenuptial agreements, invest. We are told to be loving and caring, to put everyone’s needs before our own.  F%ck that.  Happy endings are ideal but not promised and that is why collectively we have to do better, plan more intelligently. I don’t doubt Yandy’s love and devotion to her “husband”  because it’s possible to truly be invested in a man but still be equally invested in yourself. I hope the younger demographic watching takes notes on how to handle finances  and how to NOT handle relationships with women who are mothers to your children’s siblings. 

Tuesday, March 1, 2016

Whatever the Hell I Please


                  


It’s tax season and social media has been flooded with 
memes, some hilarious, some not so much. There are the ones about fat or ugly girls having men they supposedly wouldn’t ever be able to attract otherwise. Then there are those, which I’m guilty of laughing at, showing how women look before and after taxes, from weaves to furs and anything else you can imagine. While I have what I believe to be a great sense of humor, the feminist single mother in me cannot help but be offended by some actual written about posts about how we choose to spend our money,  or our audacity not to split the child income credit with our “baby daddy”. While I’m sure every case is different, I’m writing on behalf of the many women I know.  It’s my damn money and I will do what the hell I please!!! 
 As someone who has been in different tax brackets, I have strong feelings about this. When I was living in subsidized housing, with my fuel assistance and Medicaid, I received the EIC (Earned Income Credit) for my son. I was a full-time student who delivered pizzas, substitute taught and did whatever I needed to do pay bills. When I got that tax check, I treated myself to some new clothes to prepare myself for the professional world, bought my son things I normally couldn’t afford and gave money to my babysitters who kept my son for free all year while I worked. I also redecorated my apartment, switching out my son’s toddler size mattress to a twin bed, or upgrading a furniture set or TV ( that was a hand me down) to something newer. It felt good to have that extra money when there were times I was searching my couch cushions for loose change just to have enough for my son's lunch money. One year I used that extra money to buy a new car so that I could stop driving pieces of junk that constantly needed oil, brake fluid, coolant, tires, a jump start or a tow.  Then for two years in a row, I saved my money to use for a down payment on a house so I could get the hell out of the projects.  Fast forward years later, I apparently make too much money for the EIC. Still, I look forward to the benefits of tax season and my substantial refund.  Daycare for my toddler is $500 a month,  I’m paying back money from the my students loans, and I’m an owner of a historic home which is constantly being upgraded for myself and my tenant.  When I get my money, I treat myself first to clothes and shoes, do some home improvements and redecorating, save some, pay ahead some bills and... whatever the hell else I please! 
 A woman should not be condemned for what she does with her tax money, especially not by her “baby daddy”  because he pays child support. Child support??? Please! Unless you’re a celebrity dropping thousands monthly, child support for many of the women I know only pays for sneakers, or haircuts, maybe daycare. And then I know men who only buy their kids "what they need” because they don’t want to put money in a woman’s hands? What a joke! All year long your child needs food, electricity, hot water, heat, and if you’re lucky cable so they can watch Nick Jr.  But it’s the mother who is put down because she wants to treat herself to a mani and pedi, or a new hairdo? Again, I know there are outliers, extremes on both ends, but I’m writing for the many hardworking single mothers who didn’t plan on raising babies alone, and we deserve more respect. Instead of condemning her, why not help her out?  Expose her to some financial options or programs, teach some skills, lend a helping hand, be an emotional support system. 
While today  I'm in a much better place than I was 10 or 15 years ago, I know that the struggle is more than real, it can be  continuous, lonely and exhausting.



This is why every other year I host the She got H.E.R.S conference for young women, mothers or not. We all need a little guidance and encouragement!