Monday, October 3, 2011
This mess is enough to make your head spin unless you are sluggy and then you aren't able to contain your joy!
I'm going to give you the numbers and a quick run down of the problem and lets put our heads together for the sake of SonyaAnna's checkbook.
Long and short of it-Anna needs a car. We were going to see if she could make it without one but it is just too hard. We are going to give her the 1999 Lumina. That is the car that we promised DJ. I've never treated them differently but I don't see that we have a choice. Another problem is if DJ kept the car his monthly insurance would be over $200/month. When Anna had it, it was $100/month. She was able to pay it by cleaning her great grandfather's house. There is just no way, even with birthday money, that DJ could come up with $2400/yr. I feel like a shitty parent but I can't think of a way to fix this one.
I played with the numbers for a while seeing if we got Anna her own policy and then we only had 2 cars. That way DJ wouldn't be a primary driver. It all worked out within a few dollars. Hours of crunching and it got me nowhere. Anyways here are the numbers.
We are paying $189 a month now. When DJ gets his license, it will add another $115 a month. So that is $304 a month. If I did drop Anna and got her her own policy, it would be $292(ish). I know that I would save $144 year but our current policy is going to drop once the car is moved to EIU(safer there than here). So I'm going to leave it until I get the final numbers.
Anywho, here is my question to you. How can I make this more fair to DJ? What part of the insurance should Anna have to pay? She is driving it so why should he get stuck with the bill? It would be $50/month for him if we gave her the car and she had her own policy. But why should she have to pay more because he has testicles?
This is really bothering me. They both should pay but DJ won't have a car like his sister. I've always been completely fair with them both but this time I don't see it happening.
Make me feel like a better parent,
PS-This is what Anna is doing at college. Maybe we should just let her drive the cardboard car and leave it at that.