scrappinghappy
Pearl Clutcher
“I’m late, I’m late for a very important date. No time to say “Hello.” Goodbye. I’m late...."
Posts: 4,307
Jun 26, 2014 19:30:06 GMT
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Post by scrappinghappy on Mar 12, 2017 17:17:33 GMT
Do we have a divorce advice thread with all the info in one place
I need to help a friend.
I know there have been many threads here and on the old board with tons of great advice but I usually just skimmed them or did not even open them and now I have a friend who could REALLY use that advice. She has a 2 1/2 yo and is pregnant and her NSDH is a narcissist, controls all the money, and constantly beats her down emotionally. As of now he hasn't resorted to violence. She is contemplating divorce.
I wish she would decide and go for it but in the meantime I have told her she can start preparing and should:
Buy Visa GC whenever she can add them to a purchase Get a P O box Get a bank safety deposit box Stash extra clothes and toys and whatever money she can at a friend for emergency exit Stash sentimental items at a friend.
I know there is tons more.
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Deleted
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Nov 27, 2024 8:34:36 GMT
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Post by Deleted on Mar 12, 2017 17:41:14 GMT
I would get cash instead of a visa gc.
She should stash the cash with her parents if she trust them.
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Post by mom on Mar 12, 2017 17:42:13 GMT
document, document, document - store it somewhere else make copies of all important and financial papers - store somewhere else
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Deleted
Posts: 0
Nov 27, 2024 8:34:36 GMT
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Post by Deleted on Mar 12, 2017 17:52:47 GMT
She needs to get copies of his credit report, driver's license , birth cert. their marriage license, extra copies of children's documents.
I heard of a gal that made a false bottom in a litter box. The husband never questioned why they had 2 litter boxes for one cat. The dirty diaper bin makes a good hiding place too.
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scrappinghappy
Pearl Clutcher
“I’m late, I’m late for a very important date. No time to say “Hello.” Goodbye. I’m late...."
Posts: 4,307
Jun 26, 2014 19:30:06 GMT
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Post by scrappinghappy on Mar 12, 2017 18:20:28 GMT
I would get cash instead of a visa gc. She should stash the cash with her parents if she trust them. Thanks. cash back does show up on our Discover credit card statements as cash back whereas Visa cards don't. Anybody else want to comment on this?
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Post by Lexica on Mar 12, 2017 18:23:39 GMT
I did something during my proceedings that I haven't seen mentioned on any of the divorce threads. Well, if it was, I didn't see it, and I think it is important enough to list it again if it has been discussed before.
I recommend purchasing a life insurance policy on your soon-to-be ex husband to guarantee a source of income to replace the child support that would be ending. I requested this and was the one who purchased and paid for the policy. In my case, I wanted to pay for and own the policy myself because I needed the peace of mind of knowing the premiums were being paid and the policy didn't lapse. It would have been wonderful if my ex had thought of this and offered to provide a policy with me as beneficiary, but he did not. As it was, he fought the idea of me purchasing a policy on his life at all.
It was a reasonable request to have included in the divorce papers and the judge agreed. He advised my ex that he was to submit to a physical if one was required, so that I could procure a policy. And even though I was listed as beneficiary, the money was obviously to be used to continue to provide for my son. My son was an infant when I filed for the divorce. That left a lot of years for child support, plus any college assistance that our son would need. Maybe if he had been 16 or so, I wouldn't have bothered, but we were looking at 17 years of child support payments that I wanted to insure.
I think both parents should be purchasing a policy on each other to provide for their children in the event one of them passes away. A father might have the additional expense of a full time live-in nanny, and having a policy provide the money for that would be a cautious investment for him as well.
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Deleted
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Nov 27, 2024 8:34:36 GMT
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Post by Deleted on Mar 12, 2017 18:27:25 GMT
The down side to the visa gift card is there is a fee to use it. THose can add up fast and be a hardship when it comes time to depend on them. It is something she has to determine for herself which way is best. If she switches to using a debit card when shopping instead of a credit card she may be able to take out cash easier. An "oops they were both in my wallet and I accidentally pulled out the wrong card" if questioned about it.
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Post by jumperhop on Mar 12, 2017 18:29:12 GMT
My friend is going to mediation in a few weeks. And I would love advice for her on mediation. Jen
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Post by gailoh on Mar 12, 2017 18:35:44 GMT
she needs to be careful as well if she has pets...if she and he own their own home...copy paper work, more then one car/truck/RV/4 wheeler/boat you want paper work his tax statements and social security number...
Have they been married at least 10 years...this goes for his retirement and she may get some help there...not all states do not have this... saving account numbers, checking acc. numbers...her own post office box, maybe her own bank account at a different bank that is where the post office box comes in handy for her mail not to go to their address...
Start having her maybe by asking around a good attorney of her own...
child's records/health records, photos out of house...jewelry out...things given to her by family she wants to keep safe...record bigger items and take pictures of what is in house...all I think on for right now...
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Post by AngieandSnoopy on Mar 12, 2017 18:42:52 GMT
Do NOT get Visa gift cards, not only do they cost money every time but most will charge monthly fees after a while. Either get cash to stash somewhere or if you shops regularly at Walmart, get an American Express Bluebird card. That one only has a one time fee and free to add money at Walmart.
But, she'd most likely be better with cash if she can find a safe place to stash. For sure get a PO box to start having mail go to.
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mlana
Pearl Clutcher
Posts: 2,523
Jun 27, 2014 19:58:15 GMT
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Post by mlana on Mar 12, 2017 18:59:24 GMT
If she changes the passwords on any accounts and doesn't want him to know them, she needs to be sure not to access them from home or from any device that saves passwords into a keychain. A private cloud storage account so she can scan or take pics of documents and store the images. She can also use it to store any digital family photos she wants. She needs to check her credit and, if she doesn't have one in her name only already, get a credit card in her just her name. At our Kroger, you can buy the Visa's and you can also buy gift cards for a number of businesses and services. Grocery cards would come in handy at a later date. Anything she rents or buys and wants to keep from him should be paid for with cash or a credit card he doesn't have access to or to it's statements. People give new moms cash; tuck it away.
Marcy
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momto4kiddos
Drama Llama
Posts: 5,153
Jun 26, 2014 11:45:15 GMT
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Post by momto4kiddos on Mar 12, 2017 19:14:42 GMT
Was going to suggest rather than visa gift cards that she pick up ones to where she shops. If she regularly shops at Walmart or Target add a store gift card to the order. Or at the grocery store if they have a gift card. At least if she decided to go she'd have some "money" to cover some of her necessities.
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Post by Lexica on Mar 12, 2017 20:15:15 GMT
I guess I jumped the gun with my advice here. I had in my head that she is getting a divorce, not contemplating one. My tip is obviously for once she has decided. I guess I read the abusive part and assumed she was leaving.
Does she work? Who carries the health insurance? She needs to make sure she has all the necessary documents scanned and on the suggested cloud drive, especially since she is pregnant and will be needing ongoing medical care right now.
I really like the idea of scanning everything rather than trying to make copies. Its faster and she won't get caught with any physical files if he was to go searching.
What about prescriptions? Does she or her child take anything? Make sure you have them in an easy to grab location, so if she has to run fast, she gets the meds.
Make sure her phone is backed up to the cloud too, just in case. Since her DH is controlling, he may refuse to let her take a phone that is on his contract with her. She would be wise to have all phone numbers and digital info where she can download it to a new phone if necessary. Same for a laptop, if she has one.
Obviously start moving any sentimental things that she really really wants and that won't be noticed. Hopefully she has someone nearby who is willing to store a few things for her just in case.
That's all I can think of at the moment. Much has already been mentioned.
Do we have a saved list of things for "thinking of divorce" and "filing for divorce" where it can be printed off and used as a checklist? If not, we should have. This comes up so often. .
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Deleted
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Nov 27, 2024 8:34:36 GMT
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Post by Deleted on Mar 12, 2017 20:28:09 GMT
I know the only stuff that a friend's husband never question wa the children's clothes. She would go buy $100 worth of clothing and return the next day for cash. She had friends that would she would buy their groceries and they would pay her in cash.
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Post by beachbum on Mar 12, 2017 21:59:33 GMT
Visa gifts cards are often hacked. It happened to a friend whose sister had cancer and a lot of donated money was put on Visa cards. When they went to use the cards they found that they had no balance. A call to Visa and they learned that the balance had been spent in another state - and learned that this was a common problem. I think they did get the money back, but they had to have all the original receipts. I'd stash cash if I could, it's safer.
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Mary Kay Lady
Pearl Clutcher
PeaNut 367,913 Refupea number 1,638
Posts: 3,082
Jun 27, 2014 4:11:36 GMT
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Post by Mary Kay Lady on Mar 12, 2017 23:03:03 GMT
I would get cash instead of a visa gc. She should stash the cash with her parents if she trust them. If the purchase is being paid for with a credit card the cash shows on the statement and might be questioned by the spouse. If she purchases gift cards, either Visa or store gift cards, they don't show on the statement. Ask me how I know? I've done it!
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Post by papersilly on Mar 12, 2017 23:21:17 GMT
I would get cash instead of a visa gc. She should stash the cash with her parents if she trust them. Thanks. cash back does show up on our Discover credit card statements as cash back whereas Visa cards don't. Anybody else want to comment on this? But don't Visa cards start getting charged a service fee each month after a certain date? For that reason I wouldn't get them just to stash them.
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Post by papersilly on Mar 12, 2017 23:23:40 GMT
DH had a friend of a friend whose wife planned her divorce for a year before telling her husband. She rented a storage unit and filled it with furniture for her new place. She stashed cash and bought a car. When the time came, she had what she needed to leave and set up a life elsewhere.
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Deleted
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Nov 27, 2024 8:34:36 GMT
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Post by Deleted on Mar 13, 2017 0:54:51 GMT
I stashed cash and Kroger gift cards in a pocket in a dress hanging in my closet.
I also second the life insurance. My ex kept all of his basic and supplemental with me as beneficiary for as long as he has a monetary obligation to me. (17 more years...he'll be paying me until he retires)
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