Instead of unwrapping new gizmos, I'd like help with my debts
Dear Mr. Tennis,
I have a fairly simple holiday question to ask you. But I fear that even though the question is simple the answer, or advice, may be much more complicated.
So here goes…
In all of your intuitive sagacity do you believe that it would be bad form to ask family members if they could contribute to helping pay outstanding debts (i.e., bills) instead of giving presents? A little clarification may be in order (I told you this would be sticky). Now this would not be the same as asking for money outright, which would be pretty ballsy and probably not welcomed warmly. No, this is more like saying, “I would really enjoy getting some new-fangled electronic gizmo or the entire set of Robogeek I-XII on Blu-ray… but this year what I really need is leg up to get back on my feet, so to speak.” Cash in hand says to me that it says to other people that I may take this to Vegas for partying and bail money or that groceries might not be the only bags I purchase with this money. Also, a check is usually something from grandparents or for an unrelated celebration from an entirely different sect. I am a decent person and I am fairly responsible but times are tough and the bestest gift I can think of is the gift of freedom. Clearing up that debt gives me the freedom to visit and do more of those things I had to politely decline so that I could spend more time at work slaving away to make more money to eventually have more time to do more things with family. Deep breath … OK. You can see how this could foul up a person’s “rasoodock” and lead to unwanted existential angst in the middle of a time of good will and good cheer. The holiday season is a time for charity but where the line should be drawn is kinda blurry. Or maybe it isn’t.
Thank you for your time and consideration, sir.
No Presents of Mind
Dear No Presents of Mind,
If it is bad form to admit to family members that you have money problems, then I’m all in favor of bad form. If swallowing your pride in order to try to pay off your debts is bad form, then I am all in favor of bad form.
So I actually got to thinking about how you would make it possible for people who want to give you gifts to help you pay off your debts instead. People might want to do it anonymously. They might not want you knowing the exact amount of money they sent. So could people send money to your creditors? Well, they could, but it would have to have the right account number on it. Do you want to give out your account numbers? Maybe not.
So it could get complicated. So I made some calls.
One guy I talked to, a press contact at the American Bankers Association, suggested that maybe people could write a check to the lending institution you wish to receive the money and send the check to you and then you could fill in the account number. So the check would be payable to, say, Chase, or American Express, or PG&E, and then you would put your own account number on it. Of course, that means you would know who was giving what, so it wouldn’t be totally anonymous. Or maybe, I thought, they could send it to an intermediary who would do this final step for you, so you would never really know who contributed what. Different lending institutions might have different policies. You might call your creditor and set up a way that people could send checks to them and identify your account.
I’m sure there are variations on this and other ways to go about it, like using a crowd-funding site such as Indiegogo or Kickstarter, or setting up a PayPal account that people could send money to. Have a party and collect cash in a hat and send it to Mastercard. There are lots of ways to go. You could easily over-complicate it. But basically I’m all for it. Especially if it’s in bad form! Let’s try to use this holiday for some rational economic improvement!
I am all in favor of being honest about your financial situation, and trying to do the thing that makes the most sense.
This could be a gift you would remember forever.
Good luck and happy holidays.
- Send me a letter! Ask for advice! Letter writers please note: By sending a letter to firstname.lastname@example.org, you are giving Salon permission to publish it. Once you submit it, it may not be possible to rescind it. So be sure.
More Related Stories
- Developers evict historic women's shelter to build luxury hotel
- Kaitlyn Hunt refuses plea offer, will go to court over high school relationship
- The secrets of cicada survival
- Nobody "needs" to rape
- Catholic Church in market for more exorcists
- Report: Nearly a quarter of all Americans struggle to afford food
- Louie Gohmert: Women should be forced to carry nonviable pregnancies to term
- This is what Guy Fieri looks like as a balloon
- Boy Scouts to members: Just don't be a gay adult
- Anonymous rallies behind Kaitlyn Hunt
- Mistrial in penalty phase of Arias case
- My text blew up in my face
- Boy Scouts end ban on openly gay boys
- Mississippi could begin prosecuting women for miscarriages
- Teenage girl claims she was beaten up for looking like Taylor Swift
- Billionaire hedge funder: Babies, breast-feeding "kill" focus, keep women from succeeding
- "Bookless library" set to open in Texas
- Man arrested for sending Craigslist sex party to neighbor's house
- Greek yogurt, toxic waste hazard?
- Glenn Beck: CNN interview with atheist tornado survivor was a setup!
- Incoming BBC news director on journalism gender gap: "We can do better"
Featured Slide Shows
The week in 10 picsclose X
- 1 of 11
Lisa Montgomery embraces her nephew Thursday after a tornado tore apart her home in Cleburne, Texas. The twister killed six people and destroyed entire swaths of the North Texas town.
Credit: AP/LM Otero
Jack McMahon, the defense attorney for abortion doctor Kermit Gosnell, speaks outside the Criminal Justice Center in Philadelphia Tuesday. His client was convicted of killing three babies in his clinic, and will serve multiple life sentences.
Credit: AP/Matt Rourke
A photo taken Monday captures Vice President Joe Biden's response to a Milwaukee second-grader's innovative proposal to end America's epidemic of gun violence. This guy!
Credit: AP/Jenny Aicher
Sen. Rand Paul, R-Ky., flanked by a grouper-eyed Michele Bachmann, addresses the IRS' admission that it targeted Tea Party groups in advance of the 2012 election. In an op-ed for CNN Thursday, the Kentucky senator slammed the president for his faux outrage.
Credit: AP/Molly Riley
Ousted IRS chief Steven Miller is sworn in on Capitol Hill Friday. Miller testified before the House Ways and Means Committee on the extra scrutiny the agency gave conservative groups applying for tax-exempt status.
Credit: AP/J. Scott Applewhite
Attorney General Eric Holder pauses as he testifies on Capitol Hill before the House Judiciary Committee Wednesday. Holder is under fire, among other things, for the Justice Department's gathering of phone records at the Associated Press.
Credit: AP/Carolyn Kaster
O.J. Simpson sits during an evidentiary hearing at Clark County District Court in Las Vegas, Nev., Thursday. Simpson, who is currently serving a nine-to-33-year sentence in state prison for armed robbery and kidnapping, is using a writ of habeas corpus to seek a new trial.
Credit: AP/Las Vegas Review-Journal/Jeff Scheid
Major Tom to ground control: On Sunday astronaut Chris Hadfield recorded the first music video from space, a cover of David Bowie's "Space Oddity."
Credit: AP/NASA/Chris Hadfield
When it rains it pours. President Barack Obama speaks during a news conference Thursday with Turkish Prime Minister Recep Tayyip Erdogan, inexplicably inspiring an #umbrellagate Twitter meme.
Credit: AP/Jacquelyn Martin
A smoke plume rises high above a road block at the intersection of County A and Ross Road east of Solon Springs, Wis., Tuesday. No injuries were reported, but the the wildfire caused evacuations across northwestern Wisconsin.
Credit: AP/The Duluth News-Tribune/Clint Austin
Recent Slide Shows
- 1 of 11