...at least, not at the moment...
I reminded cousin of my $$$$ yesterday....I also told her she needs to take a good look at her priorities next year, because she's been putting her wants before her needs, and her (financial) obligations are a very distant third...so, the way she allocates her money usually is:
- pay cable and internet (internet is "for business" and cable is "the only entertainment" she has)
- pay house (which she had already paid off and re-mortaged--with a money lender, not a bank, technically, she sold him her house and is buying it back, she cannot default on this or else she loses the house!!-- allegedly to have money for her business, but, half of that went into buying STUFF)
-food (and, because "there's only two people" at her house--her and her son--well, "it doesn't really make a difference if we buy the fancy stuff once in a while")
-gas (for business, ok)
-school (back when her darling was attending!)
-utilities
-money to reinvest in the business
-car (she's refinanced her car about 3 times already....she should have finished paying for it 2 years ago!...the reason she doesn't? As long as she's still paying, the bank pays for the insurance!!!-- smart, huh??--oh, and my sister co-signed for it...she's been getting calls threatening to dock her payment for a year and a half!...if it ever goes to that, it'll affect sis' credit record!)
-medicinces and follow up treatment for her diabetes
-other debt (like, owing me $900 -- which is already affecting MY credit record! having a $360 on a cc that she claims she already paid, but, if she did, she should have cleared it by now, don't you think?)

Now, tell me this isn't screwed up!

So, I told her she needs to switch things around. Right now, medicine and health should be #1, followed by food, but NOT GOODIES!, school (if that bum ever returns, although, if you ask me, she'll just be wasting her money if she starts paying for a school again!--public school is NOT an option, Precious Prince might have a heart attack if he has to be with "low class people"!)....
-house
-utilities (if you default 2x in a row they cut your service and then you have to pay reconnection fees, which are expensive!)
-car (only $300 to go!)
- money to reinvest in the business
- gas (technically, this one and the previous one are the same)
-other debt (yes, even $20 a month would help!)
-cable and internet (actually, I believe these should go)

I also told her she needs to start fixing her own credit, because at this point she's already running out of people willing to cosign for her or lend her money! ....AND I went as far as to remind her that she cannot count on her son helping her if he continues down the path he's following...

She's probably hating me by now, but, you know, right now, I don't care!