Dear family,
I’m sorry to report that Duraye has lost her job. Or more accurately left her job this week.
She knows that many, if not all, of us are shaking our heads thinking, “Not again! Can’t she keep a job?!” Believe me she feels horrible about this and, after coming so close to getting on her feet financially, to be in this position again is devastating to her, too.
I don’t know all the details and everything I do get is from her perspective. In short, she was doing very well in the company. She liked them and they, by all appearances, liked her ver much. But last week her company (an investment firm) abruptly got investigated by law enforcement, apparently due to a complaint by two disgruntled former employees. While Duraye said she felt the owner was completely honest and never saw any evidence of fraudulent practices, she felt an obligation to her clients (investors) and both she and her sales manager felt they could no longer represent the company in good conscience with the cloud of an investigation hanging over it. They both resigned along other employees (for all I know they were laid off). She said the company went from 20 to 5 employees overnight. It was a tough decision because she was on the brink of some very lucrative bonuses, but those were lost when she, in good conscience, chose to notify her clients of the investigation.
She feels horrible. not only because she has to find another job but she knows how this makes her appear to the family.
To her credit and much to her own satisfaction, she was able to cover all her expenses for November and even December, including the past-due debt payments. So she was working hard to get on her feet and out from family assistance.
She still has her part-time (contract labor) job at Ann Taylor’s apparel store in the Scottsdale Mall and would work more hours, but because her manager brought on so many part-time workers (wanting extra $$ for the holiday season) it’s difficult for Duraye to get extra hours even though she now has time.
Also, Duraye leaves this Thursday for Utah to spend Christmas with her daughters. We’re so happy for her and, while it may not be a mutual feeling, from Duraye’s perspective her relationship with Olivia is significantly better. So she’s looking forward to this trip and we’re hopeful it will be a bonding and joyful visit for her…and a needed break to be with her family.
So here’s where we stand…
The “financial crisis” has put us back in touch a little more often (not always Duraye’s doing; we’ve been extra busy, too, with family, church, holidays, etc.), maybe a silver lining to it all.
Thank you for understanding that I can’t give you the assurance that Duraye is doing significantly better in every area of her life or that this “revolving door” of financial issues won’t happen again. But in the end, we’re still her family. And we’re better off working together than separately in trying to help her along this painful path.
I hope it’s some consolation to share my personal feelings that she is not wrestling with addictions of the past nor do I sense she has a boyfriend.
In fact, she mentioned to me in passing last week (maybe a “set up” comment, I don’t know), but that she was driving to work one day last week and thinking how wonderful her life was now. She said she hardly thinks of Mike any more, that she has a nice apartment, a solid job, and family that loves and is willing to help her. It was one of the first times I’ve heard joy in her voice. It thrilled me to know she had experienced some happiness.
Of course, there was a “but…” to the conversation. She then proceeded to unfold the sad events causing her to question her employer’s integrity and thus the health and longevity of the company that led to her resignation.
So while she’s in desperate need again, I really sensed that part of her joy came from being self-sufficient financially. She was confident again and was so happy that she had been able to cover all the expenses on her own in November, including past-due debt payments.
Furthermore, she is able to cover ALL of her expenses (both past debt and current living expenses) through December. But come January 1, unless she finds a full-time job during the holidays (very unlikely), her sole income will be about $500 per month from her retail part-time job. Sadly there’s no full-time option at Ann Taylor because most of their employees are contract labor (part-time) to avoid benefits and because standing for so long is brutal on her feet and legs. She has to spread out her shifts just to buy time to recover.
So now, for the first time and recognizing that I must come to the family for a sizable contribution, I’m going to share detailed numbers with you. I’ve not done so in the past because there are a few expenses or even fines from her “past life” that are very embarrassing to her. I can tell by how she asks each time if all of you will be seeing these numbers. It’s obvious it’s very shameful to her. I explained that I only send totals.
But I feel it’s important for you to know more details so you can decide if you want to continue to “invest” in our proposal to help Duraye. I have blocked out some of the information that would embarrass her. I have no desire to shame her, but you deserve more details.
So you’ll find two spreadsheets attached. I use both of these with her to help her keep on track in paying past debts and recognize that she doesn’t have any “surplus” to spend frivolously.
For those who don’t want to go over all the details, here’s the bottom line:
Duraye has $1,256.67 in her check book right now. As you’ll see on page two of the “Duraye Assistance for Jan 2017” document that it is all earmarked in detail for debt and monthly fixed expenses with $75 left for food and other living expenses.
So she’s good through December. Here’s where she needs our help:
As you can see in the same document, Duraye has $4,045 in past-due obligations that she negotiated down from nearly $8,000. We have negotiated monthly payments that total $690.40 per month.
Her fixed living expenses total about $1,625 per month, including the $950 rent payments we’ve been making.
She has around $370 per month in non-fixed living expenses (groceries, personal items, auto fuel, etc.).
I suggested that she devote the $500 she gets from her retail job toward her monthly living expenses.
That means as a family, until she can get work, we would be willing to help her with the balance…trusting that she will get some type of second job (hopefully full-time) before January is over. She is working hard right now to find work.
The balance totals:
$690 Debt payments
$1,625 Fixed living expenses…for a total of…
$2,315
Fortunately, we had a surplus of $451.26 of family contributions that were not needed for December’s rent because Duraye paid nearly half of the rent for that month.
So our true contribution is:
$2,315 Needed
- 451 Surplus
$1,864 Total needed for January
While this is twice what we originally agreed to ($50-$100 per family), as you can see in the “Duraye Pay Timeline Jan 2017 - B” (B means blacked out version) not all of her bills are due at the first of the month. So if she can secure work sooner, hopefully some of those later bills will be paid by her.
So I’m asking for those who feel they can contribute (and please know we fully understand if she’s worn out her welcome to your generosity), that we contribute $300 or more per family this month. For some, $50-$100 is a stretch and please know everything and anything is appreciated and will be adequate. We're so sorry to ask for funds especially around Christmas. But the end of the month is near and we felt it important that you know now and can plan accordingly, if you can help.
We grow weary of this, too, but we want you to know we have not lost faith in our sister...that she wants a happier life and is making a sincere effort to achieve it. It would be doubly difficult if she wasn’t grateful. But she is VERY grateful. And so are we.
Love,
Crismon & Vivienne