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Thread: Monetary Emergency, Marriage, Visas and Loans? OH MY!

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    God/dess Lysondra's Avatar
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    Default Monetary Emergency, Marriage, Visas and Loans? OH MY!

    Holy HELL for expensive emergencies, huh?!

    Immigration just told me I have 28 days to evacuate the country and get my Prospective Marriage visa with my partner in America. This means in 28 days I need to have saved up EIGHT GRAND.

    4 grand - return to Aus tickets for my partner and I
    2 grand - visa/legal fees
    1 grand - month prepaid on rent
    1 grand - living expenses in America (housed by mum)

    *all prices AUD.

    -----

    Which means I'll probably need a loan. I got work for the next few weeks that are lucrative but VERY unstable (I have $500 in work this week, none the next, but around $2200 the next, argh!) and some are VERY last minute (I've been called for two hundred dollar shows an hour away a HALF HOUR before I have to be there) meaning I -might- or -might not- be able to make the money.

    Which in lies the problem:

    My parter makes 1k a month average. He is able to get an Australian loan as he is, well, Australian. BUT, a 10k loan to a guy who makes 1k a month?! I make 4-5k a month but I am unable to get an Australian loan because I'm not a perm. resident. He has amazing credit. I have shitty credit.

    To be put on the loan is there a way to put his status, his credit but my income on the loan? Also, I have no TECHNICAL proof of my income (c'mon tax season!) because I get cash-in-hand... I deposit it and have proof of deposits.. but nothing saying where in bloody hell it came from.

    .....


    How bad is this situation looking?


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  2. #2
    Yekhefah
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    Default Re: Monetary Emergency, Marriage, Visas and Loans? OH MY!

    If you work every day, that's about $285 a day. Can you pull off a marathon? Maybe take a day off every time you hit $500 or $1000 in a night, and then get back in it?

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    God/dess virgoamm's Avatar
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    Default Re: Monetary Emergency, Marriage, Visas and Loans? OH MY!

    Quote Originally Posted by lilithmorrigan
    Holy HELL for expensive emergencies, huh?!

    Immigration just told me I have 28 days to evacuate the country and get my Prospective Marriage visa with my partner in America. This means in 28 days I need to have saved up EIGHT GRAND.

    4 grand - return to Aus tickets for my partner and I
    2 grand - visa/legal fees
    1 grand - month prepaid on rent
    1 grand - living expenses in America (housed by mum)

    *all prices AUD.

    -----

    Which means I'll probably need a loan. I got work for the next few weeks that are lucrative but VERY unstable (I have $500 in work this week, none the next, but around $2200 the next, argh!) and some are VERY last minute (I've been called for two hundred dollar shows an hour away a HALF HOUR before I have to be there) meaning I -might- or -might not- be able to make the money.

    Which in lies the problem:

    My parter makes 1k a month average. He is able to get an Australian loan as he is, well, Australian. BUT, a 10k loan to a guy who makes 1k a month?! I make 4-5k a month but I am unable to get an Australian loan because I'm not a perm. resident. He has amazing credit. I have shitty credit.

    To be put on the loan is there a way to put his status, his credit but my income on the loan? Also, I have no TECHNICAL proof of my income (c'mon tax season!) because I get cash-in-hand... I deposit it and have proof of deposits.. but nothing saying where in bloody hell it came from.

    .....


    How bad is this situation looking?
    Lillith-surely there are tickets to the U.S. that are less than 2K AUD?? That's insanely expensive. I paid $650 USD to go to Japan, which is in the same vicinity. You should be able to save some $$ there if you hunt around and get your tickets soon (that would be my 1st priority). And your Mom is going to charge you to stay with her? Does she know how much $$ you're having to fork out for everything else? If so, boo to her. Plus, look at it this way-I'm not sure how long you need to be here, but maybe work while you're here? That will help out a lot. Just a few ideas.....

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    God/dess Lysondra's Avatar
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    Default Re: Monetary Emergency, Marriage, Visas and Loans? OH MY!

    No, she's not charging me... I need 1k for food and other expenses. She's SAVING me money by letting me stay with her, that was what I meant...

    -----

    And I cannot work every day. The clubs only average 100-200 a night now and showgirl work is few and far between. I have work for a week in Bileola in two weeks that's a good 2200 that week... I should make 700 in shows this Friday (if it goes through, please goddess)...

    I've asked my companies all for consideration for WoopWoop (slang for 'middle of nowhere') jobs because I am needy the next few weeks.

    ---

    Edit, and oh... the tickets are return. It's about right for last minute (28 days, remember?) tickets to another country and back during Christmas time.


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    God/dess Lysondra's Avatar
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    Default Re: Monetary Emergency, Marriage, Visas and Loans? OH MY!

    Whoa.... someone had an idea...

    What if I 'pay' my partner for services (he is a driver/security for me) to raise his income levels? Is that legal?


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    God/dess virgoamm's Avatar
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    Default Re: Monetary Emergency, Marriage, Visas and Loans? OH MY!

    Quote Originally Posted by lilithmorrigan
    No, she's not charging me... I need 1k for food and other expenses. She's SAVING me money by letting me stay with her, that was what I meant...
    Oh, okay. I'm not sure how long you need to be here to take care of everything, so that's why I was wondering! Okay, think about it this way. As long as you guys can get here, you should be fine. Focus on that exclusively. Obviously your fiancee will not be able to stay as long b/c he has a normal job and has a limited amount of time to take off. You, on the other hand, can stay as long as you need to to get the ball rolling on all of this. I'm not sure where your Mom lives and if there are any good clubs around there-but if there are, you can stay and work as long as you need to to pay for everything else. One question-do you need the 2k visa fees right away, or can he fill out some initial ppw, go back home and you can work to pay for it?

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    God/dess Lysondra's Avatar
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    Default Re: Monetary Emergency, Marriage, Visas and Loans? OH MY!

    No, he HAS to come. He needs to be there for the interviews. He works for his father so he can take the time off, no problem.

    I need, right now... 4k for the trip home and 1k for the rent. the 2k visa fees need to be paid for UPON APPLICATION (so I could work in America for it, but it would take so much longer)... I could work for my food money while I'm there as well...

    I've already had a friend contact my old club to see if I can come back for a few weeks, she's getting back to me soon on that.

    So... rmmm...


    4k flights for two - immediately (parents of Michael MIGHT pay for his ticket as Christmas present - 2k)
    1k rent in advance... just in case I'm forced to stay in America for a month (how long it MIGHT take, not guaranteed)
    2k for visa fees needed by visa application (which I was hoping to do within DAYS of coming to America)
    1k for various expenses in America (which I can work for)

    So at the VERY least I need 5k if Michael's parents pay for his as a C-mas present...

    And MAYBEMAYBE his grandmother will give us 5k for our engagement (she's done it with every other grandchild)... but I think she does that nearer to the time of the wedding.

    GAH!


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    God/dess virgoamm's Avatar
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    Default Re: Monetary Emergency, Marriage, Visas and Loans? OH MY!

    Quote Originally Posted by lilithmorrigan
    So at the VERY least I need 5k if Michael's parents pay for his as a C-mas present.
    See-it's looking better already! And if it was his parents who mentioned a ticket as a C-mas present, you can pretty much guarantee they'll do it! And think about it this way, if it really comes down to it you could work for your visa fees if you don't make enough $$ before you leave. I know that's not ideal, but hey-you should be able to make that in two weeks (or a little less) right? I know earnings potential varies from city to city, so I don't want to assume anything. With a little perserverance, you can make it happen, I know it!

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    God/dess Lysondra's Avatar
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    Default Re: Monetary Emergency, Marriage, Visas and Loans? OH MY!

    They are the ones who suggested it... but they suggested it before we got engaged as their way of paying for him to 'visit me'... so I'll see what I can do. Heehee, I have my tongue poking out of my mouth as I think.

    I got a go-ahead for working as a feature in Adelaide just now too! They want anal shows (more $$$) too... sweeeetttt....

    And I have Bileola which is 2.2k...

    Looking MUCH better already.

    Just

    EIGHT THOUSAND IN ONE MONTH??!!!

    Sounds terrible!

    Ugh, I hope I don't need to work in LA... LA clubs are... *cry*.

    ----

    Edit:

    And thanks for the vote of confidence and hope and stuffs!! Helps heaps!


    Look like a woman
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  10. #10
    mermaidnz
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    Default Re: Monetary Emergency, Marriage, Visas and Loans? OH MY!

    why doesnt your partner work more. $1k a month is only $250 a week...what on earth is he doing!?

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    God/dess Lysondra's Avatar
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    Default Re: Monetary Emergency, Marriage, Visas and Loans? OH MY!

    His father does it on purpose so that Michael doesn't move up to the next tax bracket on his claims... so we actually have back-up pay from the father... which we usually use to pay back the father from the 2 grand we already owe him. :/


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    Default Re: Monetary Emergency, Marriage, Visas and Loans? OH MY!

    Michael needs to pick up some extra work somewhere to help out with this.

    Feature costumes for sale!

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    God/dess Lysondra's Avatar
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    Default Re: Monetary Emergency, Marriage, Visas and Loans? OH MY!

    He has severe social anxiety, it doesn't work very well. He's entitled to disability but refuses to take it because he feels it belongs to people more in need than him. Blah.

    We'll talk about it... but there's not much work he can get quickly for one month to even put a dent in the debt.


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    Default Re: Monetary Emergency, Marriage, Visas and Loans? OH MY!

    Fuck that, his ass needs to work and not be under daddy's thumb. Can you put the trip on a credit card, or at least a secured line or credit? If not, always time to hone up those dick sucking skills and hit the brotherls!

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  15. #15
    madmaxine
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    Default Re: Monetary Emergency, Marriage, Visas and Loans? OH MY!

    Time to sell a kidney. LOL

    If your man really loves you, he can take some extra temp work to his liking.
    Or if having tax bracket magic is so important to your future father in law, he can front the money.

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    God/dess Lysondra's Avatar
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    Default Re: Monetary Emergency, Marriage, Visas and Loans? OH MY!

    Quote Originally Posted by Katrine
    Fuck that, his ass needs to work and not be under daddy's thumb. Can you put the trip on a credit card, or at least a secured line or credit? If not, always time to hone up those dick sucking skills and hit the brotherls!
    He's inheriting his father's business, that's why him working there is so important.

    And actually... Michael is able to get another credit card now and this might work for some of the bills. His limit on his current one is also being raised 1500.

    And, just so you know... Social Anxiety Disorder is a SERIOUS thing.


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    mermaidnz
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    Default Re: Monetary Emergency, Marriage, Visas and Loans? OH MY!

    lillith, much respect, but he doesnt work cos of social anxiety? if its that serious he would be on a disability pension, or on meds. i know how serious social anxiety can be, but still, he shouldnt be using that as an excuse.
    and as for the tax bracket thing, fuck it, work more time, pay more tax, its not much more, but it means he will be making enough on paper to get things like a home loan, and have the extra cash you guys need.

    whos paying for your wedding?

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    God/dess Lysondra's Avatar
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    Default Re: Monetary Emergency, Marriage, Visas and Loans? OH MY!

    He's completely eligible for disability because of it. He refuses the disability (it's some dirt cheap amount, too) for a few pretty good reasons. One of the reasons is we cannot get the visa because with the disability, it's saying he's not of sound monetary status to take care of me in Australia. If he gets on it, I wouldn't be allowed to stay in the country with him.

    I'm really going to have him talk to his father about the taxes though... he's been working hella hard lately and deserves that money.

    We're both paying for the wedding. Probably more me than him since I make more, though. Our money goes into a joint account and we don't count who pays for what anymore.


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    God/dess Lysondra's Avatar
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    Default Re: Monetary Emergency, Marriage, Visas and Loans? OH MY!

    OH FER CHRISSAKES...

    We just did the math and somehow Michael is, like, not getting 1k a MONTH... he works 6-8 hours a day, 6 days a week - something is wrong... I talked to him about it and suddenly he got really confused...

    Now he's checking all his statements...

    And we're gonna have a talk with daddy.


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  20. #20
    mermaidnz
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    Default Re: Monetary Emergency, Marriage, Visas and Loans? OH MY!

    ^^ lol sorry, but hes obviously NOT fit to take care of you if he cant work.

    and sure, youll both pay for the wedding...just like my partner claimed as well....he also was making shithouse money. no , you will be paying for it. form the $1000 hes currently making - minus his share of food, minus his share of rent... i dont see alot left over to save.

  21. #21
    mermaidnz
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    Default Re: Monetary Emergency, Marriage, Visas and Loans? OH MY!

    so hes not even making a k a month. this is just starting to sound weird...

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    God/dess Lysondra's Avatar
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    Default Re: Monetary Emergency, Marriage, Visas and Loans? OH MY!

    What? No, 1k is missing... like, he should be making, by my math, 2400 before taxes per month. He got 1400 last paycheck and he gets paid monthly.

    And fer chrissakes, he's getting a 100% raise in another month... he wasn't qualified for his job but he got qualified a few weeks ago and once the certificate is in, he'll be making quite enough.

    Money doesn't matter to me, I don't care if I'm paying for things. He's trying, working hard... and before his pay is in our account (starts off in his), he's already paid the credit card bill (usually 600 a month, argh) and two/three weeks rent and utilities... so usually I pay for everything in the middle. I only technically pay for food and fun and various miscellaneous. So he has little money leftover. Our rent is only 190.


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  23. #23
    mermaidnz
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    Default Re: Monetary Emergency, Marriage, Visas and Loans? OH MY!

    Quote Originally Posted by lilithmorrigan
    And fer chrissakes, he's getting a 100% raise in another month... he wasn't qualified for his job but he got qualified a few weeks ago and once the certificate is in, he'll be making quite enough.
    ohhhh well that all makes more sense then!!

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    God/dess Lysondra's Avatar
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    Default Re: Monetary Emergency, Marriage, Visas and Loans? OH MY!

    Heehee.. you KNEW there was a reason I was sticking it out.

    Oh, and he's inheriting the business... in another 3 years, he'll be making 250k a year.

    Just holding out...just holding out...



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  25. #25
    mermaidnz
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    Default Re: Monetary Emergency, Marriage, Visas and Loans? OH MY!

    phew. i was seriously starting to worry you were in a financial relationship like i stupidly was in!

    i see the method to your madness now

    another thought- does micheals fathers company give out 'christmas bonous's?'

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