Advice Column

My mom is looking to buy her first apartment. They are trying to convince me to cosign on the mortgage (my mother’s income is from her business so she is having a hard time getting approval for whatever reason).

I have been extremely adamant on the risks and negative impact to my personal credit history. However, I am not being told that being a cosigner will not affect my future chances of buying a home is I am able to provide 12 months of payments.

Is this true? How does this really work?

Will the mortgage still be on my personal history and will I still be liable for missed payments etc every month? What are the other potential downsides and risks? Any upside at all?

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We had our baby last year. She was two months old when it first happened. I can’t even remember the context anymore. Afterward I was really upset and asked him to swear that we never bring up leaving each other unless we actually mean it. He denied saying it but agreed.

The next time was a few months ago. The dog jumped on him, he yelled, and the baby started crying. I ran into another room with her. He followed a minute later saying the house was too chaotic and that I needed to help him. I told him he was scaring the baby and that it wasn’t okay. He said, “Fine, I’ll just leave then.”

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I’ve been married to my wife (32F) for five years, and lately, I (33M) feel like I’ve lost any sense of freedom or privacy. It’s as though every day, she’s looking for something to be upset about, and I’m always walking on eggshells.

Take our finances, for example. While we share our money, we also have our own separate accounts. Yet, she logs into my account and questions every single purchase I make, even though we’re not struggling financially at all. I can’t bring myself to ask her about her spending habits because I’m afraid it will lead to a blow-up.

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I 28(M), just had my partner 29(F) of 6 years tell me that she told another man “I love you”, let’s call him Tim.

Tim and my partner met at their workplace, they’ve grown very close over the last year. He’s professed his love for her in the past, but she has not said confessed anything to him in the past. Tim once again this weekend confessed his love and how this has affected him. After, they cried together, talked and held hands. She assures me nothing more has happened, and I fully believe her, we are very open with everything in our relationship.

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A few days ago I was feeling really lonely and desperate for attention and that’s when I found out one of my favorite streamer was online. Keep in mind that I am a NEET and I have 0 friends and I was feeling extremely lonely. The streamer helped me feel better and made me laugh a couple of times and I wanted to show them appreciation by donating money, but I wanted to go big, because they really helped me feel better that day.

I donated $1000 and they reacted big and was really happy, but it was all done and over with within seconds. Like, 10 seconds later it’s completely forgotten about and that’s when I realized that I’m a complete idiot. I live in my parents basement and I’m definitely not that wealthy enough to be donating that big (I have $20k saved up), and I just wasted $1000 on a streamer just for that few seconds of attention that ended up not being worth it.

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My (65F) daughter (37F) has been unemployed for over three years. She left her job during the pandemic and relied on the stimulus checks and the unemployment pay until it ran out. Now I don’t know what she is living on.

My daughter lives alone in a rent controlled apartment and has never asked me for money or help. But I don’t understand how she is supporting herself paying her rent, etc. as she has no job. I assume she is running through her savings and if she has lasted this long that means she had at least 40k saved and is just burning through it all.

[Read more…] about “My adult daughter doesn’t want to work”