relationship help !!?

Question

okay well my husbend drive a semi an he is out 6 weeks at a time an he is doing this owner operator thing. so taxes dont come out he has to pay them out of his own pocket. we are paying for a washer n dryer an a fridge an cable an phone / internet an rent an all that good stuff well i pay all the bills an hardly have anything left b/c he has a 600.00 truck payment . so he says not to pay all the bills an let stuff go back so he can pay taxes so he dont go to jail . but cant he take a loss an with claming me because i dont work an our son he should be okay. so im not gonna let our fridge go an washer n dryer because we need those . but cable n phone n internet is fine to go thats an extra . but how can he expect me to let the others go . all i do is pay bill with very little money to grocery shop. he says its up to me as what to do becuase i take care of the bills he is out there working. he has cussed me an everything if i lose the fridge whata re we gonna eat .

also he says they can take my car or put a lean on it . i donno what to do i said we could let get a cheaper fridge an he said no . he has everythign he need in his semi . dont we deserve the same ?

Answer 1

He's probably not going to have any taxes with that $600.00 a week truck note and all the other expenses... fuel costs, insurance, maintenance, road taxes, permit fees, licensing, etc. These are all deductible, as well as the deductions for himself, you, and your son. There are also other things he can deduct from his income,and I hope he's saving all his receipts, but the bottom line is, as long as he's paying that note, he should be getting refunds and tax credits for the first few yrs.

The first couple years is tough as an owner operator, and with a truck note of $600.00 a week (it must be a really nice truck!), plus fuel costs and insurance, there's just not much left over.

It sounds like his business plan was not very well thought out. It also sounds like he went and purchased a brand new truck and he wasn't in the proper financial position to do so. If he can't pay the bills at the end of the week because of too many expenses, perhaps he needs to consider returning the truck and starting out with a nice used truck, for about half the payments. Perhaps he could stretch out the loan(one more yr of payments than currently set up) to reduce the weekly finance costs, but even @ $600.00 a week, there should still be money left to pay for the things you have listed, as long as he's getting the miles from his company.

You say he's staying out 6 weeks at a time, which even for an OTR driver is long, but what kind of miles is the company he's leased on with giving him? If the truck isn't moving, it's not making money. If his company is not giving him at least 2500 miles a week, he needs to consider signing on elsewhere. He SHOULD be getting 3000-3500 miles a week if he's showing that kind of dedication. More miles equal more income, and defer the cost of the truck payment, spreads it out. If he can get just 200 miles a week more from his company, it will help out tremendously with his bottom line.

What kind of rate is his company paying per mile? Could he do better at another company? Mileage rates vary from company to company, and the difference per mile can make or break an owner operator. What kind of fuel surcharge is his company paying? How much of the added fuel costs are being absorbed by the company, and how much of it comes off the top of his income? I know I fueled up the other day, 3/4 of my truck's fuel capacity, and it was over 500.00 at the pump, and that was with a discount. He's fueling at least every other day if he's getting the miles, so you can see fuel can add up fast.

How he drives the truck also can make a difference. When I drive my truck at 65 miles per hour, I average about 6 MPG, but when I drive at 55 MPH, I average around 7MPG. Fuel is probably his biggest expense, and "taking his foot out of it" can make a substantial difference.

Find out how much he's spending on meals. My first two yrs in my own truck, I ate most of my meals in my truck. Hormel has those ready-to-eat meals, if he has a fridge in his truck he can store perishables like eggs, lunch meats and milk.( I ate lots of peanut butter sandwiches during that time!) I would eat one meal a day in the truck stops, usually soup and salad for about 6 bucks, all you can eat. An electric hot plate is not that expensive, and uses a small converter, initial investment for about 75 dollars, but savings from not having to eat your meals in the truck stop as well as tipping the waitress will pay for that expense in the first couple of weeks. Also, if he's spending a lot of time inside the truck stops, he should stay away from the video games. If he's not already doing these things, he needs to start ASAP. You both should be surprised at how much money can be saved by doing these things.

These are all things that HE can do in order to succeed at his business venture. Yes there are a lot of sacrifices, but if he can cut costs where he has the ability to do so, it should free up some money that you could use to take care of the other bills.

If it comes down to making deeper cuts, I would consider letting the washer/dryer go, you can always go to the laudromat, but if that becomes necessary, the very first pay he gets after paying off the truck should go to buying you a washer/dryer (and dinner out at a nice restaurant for doing your part in sacrifices in order for him to succeed with his dream).

I hope some of these ideas help, and I hope this information helps you out in some way. Being a successful owner operator can be done, but it takes hard work, sacrifice, and making the right decisions in order to achieve success.

Answer 2

An OTR truck driver makes good money. you need to get some help with budgeting. As far as taxes go he can pay them quarterly and yes he can claim you and any dependent children you have which will help lower the amount of taxes you will have to pay. You need to visit an accountant and set up a tax schedule, a professional will be able to advice you on the best way to handle this.

To pay all your monthly bills try adding up what all of your expenses are, rent, utilities, groceries, credit card payments, etc. Divide the total you come up with by 4. That is how much you should allot for each weeks bills.

I sympathize with your dilemma, just hang in there, things will get better.

Answer 3

If he thinks you should do with less I'd find out how much he's spending on himself while on the road - restaurants, bar bills, hotels, entertainment, etc. If you have to cut down so should he.
And get you butt to an accountant.
Have them work out how much you have to put aside for taxes, bills and basics (like food), and then only let him have access to what's left over. Have them work out a payment plan so you don't have to starve when the tax comes due. If he wants you to take responsibility for all the bills, then be in charge of all the money too.

Answer 4

There's no approach of realizing which gender is real extra competitive than the opposite in relation to relationships (lesbian, homosexual, transsexual, directly, or bisexual) and its unimaginable to be one hundred% definite in relation to the experiences that list knowledge from others, considering folks don't seem to be consistently sincere whilst comes right down to it. This is an overly smooth area and folks don't seem to be consistently keen to talk about concerns of associate abuse or to document it to gurus. While it the research could also be very correct, it has additionally been proven that lady have a tendency to be extra open approximately extra smooth topics than so much guys, considering so much guys do not like to confess they have got been crushed up through their associate (male or feminine) and taking this into account, its virtually unimaginable to be specified that every body is telling the reality (except of path we upload safeguard cameras throughout them or have any individual comply with them 24/7, however that would not paintings for noticeable explanations) So even as this research could also be correct its nearly unimaginable to inform whether or not its precise or no longer, and if its precise and gay females have a tendency to be extra violent than gay guys, than there's a few explanations why this would be (verbal disagreements that flip bodily, temper swings, pms and many others)

Answer 5

yes you do deserve the same, set up a meeting with a tax payer, and sort thing out...why doesn't he care about you...tell him to start paying taxes and this wouldn't be a problem...