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How am I supposed to tell my dad I’m in debt and not spending money on stupid shit like he accuses me of?

So back when I got my first car I would pay my dad 200-400 a month to set aside for me as an emergency fund. It’s still my money, but it’s not easily accessible.
Anyway between the last minute apartment I had to get thanks to a failed engagement I used 3k of it. But also to help pay for gas and insurance and food I ended up taking some pay day loans.
Well let’s put it this way. I was supposed to have an 1100 check from work. After all loan payments were taken out I was left with just under 200.
So I asked my dad to send me some money from the 1300 I have saved.
My dad immediately accused me of using it on weed and partying. And I told him I wish it was cause then I’d have more fun. But I’ve literally been living off rice and eggs for the past month and a half. And I have friends that help out. But still.

Idk how to tell my dad about what’s really going on because I know he’s just going to give me a massive lecture. Thankfully my apartment manager is super cool and lets me do payments of what I can so I’m not worried about the rent I just pay what I can as I go.
But ugh. Idk what to do or how to word it to him cause I know either way I’m going to get yelled at by him. Which is why I hid it for so long.

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ArtieKat · M

Get yourself away from payday loans as quickly as you can or you'll be in debt to them for ever. If your apartment is more than you can reasonably afford, I think you should consider moving - likewise, [i]they[/i] won't indulge you for ever.

helenS · 36-40, F

@ArtieKat This.

ArtieKat · M

@helenS ?

helenS · 36-40, F

@ArtieKat Fully agree on what you said.

londonbr1dg3 · 26-30, F

@ArtieKat I make enough to pay my rent. Under normal conditions. My rents 1209. And I make 3k a month or more depending on sales.

ArtieKat · M

@londonbr1dg3 I have an awful lot of sympathy for your situation because I've been there myself. But I think you have to be honest with yourself:
[quote]I was supposed to have an 1100 check from work[/quote] That is not $3k. The times we are living in probably means that you can't rely on sales commission.

londonbr1dg3 · 26-30, F

@ArtieKat thats one check out of two. Plus I work another job as well.

ArtieKat · M

@londonbr1dg3 I based my advice on the information you had posted. It doesn't change anything about getting out of debt ASAP or it will follow you for years. Good luck with being honest with your father to access your savings. A deposit account in your own name might have been less contentious!!!