Can Bankruptcy Help Overcome Debt? - Til Debt Do Us Part 310 - Single Mom Shake Up

Til Debt Do Us Part offers tough love solutions to those in financial crisis.
Single mom Tammy is 35 years old - and still spends her money like a spoiled teenager. When she runs out of cash, she turns to her parents to pay her monthly living expenses. Even Tammy’s 15 year old daughter knows her mom’s a mess when it comes to managing money. Gail shows Tammy the hard truths she has to face up to, including Tammy’s biggest fear - declaring personal bankruptcy.

[@rufdymond]

When my first child was born my dad sat me down and one of the things he emphasised to me was the importance of telling a child NO. I never forgot that, and it served me well in all my years of parenting - a spoilt child, will bring you nothing but trouble and stress.

[@peanutsassyathena]

The absolutely precious person in this story is the teenager. She is so positive and sweet. She was eagar and happy to be part of the solution. What a good kid she is.

[@CaraMarie13]

Yeah, but it really shows that she's also a parentified child, and there is absolutely nothing sweet about that

[@o0laieta0o]

This teenager gives me hope for humanity. I hope she's having a great life

[@FionaApplewright]

Kaetlyn's brain was a sponge the entire time-- just absorbing absolutely everything coming from Gail. I'd love to see a follow up on HER life today. Regardless, I hope all 4 of them are happy and fullfilled.

[@stephaniefarmer1710]

Daughter is more put together than the mom lol

[@leslietrivette91]

She did the work with a good attitude. Good for her. Daughter is lovely and emotionally mature.

[@mpdnd1335]

She could have also tried to see if she could teach skating and pick up some money doing that. She has a very mature daughter for her helper.

[@grandmalisa796]

Even after almost 20 years, this series carries good information. My parents started teaching money management when I was a child and I passed it to my children. Three families who are financially secure!

[@hollyb6885]

If I ever have a daughter, I hope she’s just like Katelyn. Very nice, smart and level headed.

[@karynm3365]

This is a perfect example of what happens when parents spoil their children by giving them anything and everything they want. They end up totally irresponsible with money and they don't respect their parents at all.

[@DoctorSmartyPants]

And she never had to cook or clean. So no life skills really.

[@laminage]

​@@DoctorSmartyPantsYes, when he was 16 My Sister worked more with her son teaching him how to do laundry, cook etc. When he went to college, he was very self sufficient and self reliant. My cousin was spoiled rotten when it came to money. at one tine he wouldn't even darken walmart's store. his parents died and he's had to beg for help from being evicted and homeless.

[@denisebarker9288]

I'm so glad you had a single mother on. I took note of the jars since i am a single mother also. I don't have that kind of debt but it is a good thinh to follow that amount. Thanks.

[@pamsmith1665]

You didn't become a mother single

[@stucsm]

It was good to see her parents take responsibility for their part in this and her daughter seems like she's a good kid very smart!

[@sarah3796]

Oh my god this is what happens if you don’t give your children responsibility

[@janebaker4912]

Ahh yes. She's a child

[@gothicyid]

She was responsible she dtarted her own business. It went bust as many businesses do but if it had been sucessful she wouldnt have needed her parents money.

[@scholargrrl]

And it forces their children to become a parent when they should be a child themselves.

[@keithjacobson1640]

I only just discovered this show and Gail within the last month. It's so good. Gail is awesome.

[@Crijoe]

Same here. I feel like I've watched all of them, lol.

[@bovnycccoperalover3579]

I have been binge watching.

[@debbielockhart7762]

They are from many years ago here in Canada. I used to watch it all the time on TV.

[@ms.carlson3904]

Great to see mother and daughter work as a team.

[@Ndstars1]

At least the parents recognize they messed up with their daughter.

[@chicodaman2345]

She is very graceful on the ice.

[@AndyinMTL]

And sexy!

[@daveconnolly417]

True, but a lot of folks are misguided that they can quickly turn a hobby into a profitable business, especially without doing a proper business proposal plan first to see if it is practical.

[@bovnycccoperalover3579]

She said she was a competitive figure skater - very expensive. If one wins medals in the Olympics, one can do well financially.

[@kathleengeiger7083]

Especially for a SEASONAL sport. So you have to make enough money for the entire year in under six months. Her business ran Nov to March - that is not a surprise.

[@jeriandhenson8941]

Moral of the story, do NOT spoil your children.

[@alicelaybourne1620]

Funny, Gail said she was averaging 370 something on restaurants, and almost never eating at home (and the fridge was bare). Sooooo, $400 should actually cover most of her eating expenses as they eat now.

[@Rhodeygirl]

I'm sure some of it was coming out of cash since it was probably alot of fast food. Once she started shopping again, she ended up with extra $40 for the fourth week - she finally had enough food in the fridge not to spend the full $100.

[@davisholman8149]

Notice the extra weight they are carrying....not healthy.🤷🏽‍♂

[@smoll8746]

I was a bit surprised when she said "it's hard enough being a single parent". With the money she makes and not paying her utilities plus not cooking or cleaning. What is so hard for her?

[@DoctorSmartyPants]

And Tammy has beautiful eyes! I wish her and her daughter all the success possible.

[@xarenigalindo9774]

I feel sad for the kid said “we will be able to eat real food and not food that is processed and icky”

[@leslietrivette91]

Where're the child support payments from the father?!?

[@emilynicole4918]

In my case my ex has disappeared. They can't find him. It could be the same situation.

[@wufflerdance9481]

​@@emilynicole4918 try again....any time his social is used for a card...rent or a job he is trackable by the feds

[@laundrygoddess4]

​@@wufflerdance9481 work under the table and no sin. In Canada, they don't ask for your sin for an apartment

[@scholargrrl]

​@@wufflerdance9481in Canada it's different. :(

[@wufflerdance9481]

@@scholargrrl i just checked online and in canada Asking for SIN number is still the norm for renting let alone loans and houses

[@710LENNY]

May be a weird thought, but I hope she put the $5,000 in an education fund for Kaetlyn. If she's going to go bankrupt or enter a consumer proposal, she might as well work off all that debt in which ever she choses. Or she could repay her parents, who will probably be glad to assist Kaetlyn with her schooling.

[@wufflerdance9481]

college isnt needed and that would lock money up for nothing if she didnt go and bot able to use for other more important stuff

[@debbielockhart7762]

​@@wufflerdance9481It is pretty essential here in Canada (where this is filmed).

[@wufflerdance9481]

@@debbielockhart7762 it isnt...ive known canadians myself too. Im guessing you went and just dont want to beleive it isnt for most people. there is no way people need college and debt in canada to survive more then any other country... I suggest hearing what jordan peterson has to say about the topic...he has taught there for years and just started his own online one with others because canada sucks and isnt putting useless degrees in it either

[@debbieframpton3857]

The 35-year-old daughter needs to grow up I think her daughter is more grown up than she is

[@kaydublin5164]

I hope all the ppl in these shows take the advice Gail gave them and stuck with the money lessons and all got out of debt.

[@roseblahnik3706]

" single mother ", she acts like her daughter is two...her daughter is smart, she can earn her own money, babysitting, etc. And what else do they have to do besides come home and cook dinner ??? Get with it and do some bulk cooking on Sunday, for the whole week, then heat and eat. Good luck 💸 💰💲💸

[@anniespencer7879]

I'd hope all women had more to fo than housekeeping and cooking, even if they're working. Do the dull stuff for necessity, by all means but please find a hobby that gets you away from the kitchen. If you already have a computer, creative writing, for example, won't cost a penny.

[@debbieframpton3857]

I think the teenager is the only one that has any brains the mother needs to grow up and the grandparents need to quit bailing out the daughter every time she asks. Daughter is not a baby she's capable of taking care of herself if her mother has to work some extra hours or she can spend some more time with her grandparents

[@karforeman1556]

Wow, Katie is apparently the adult in the household, not her mother. Suspect that she has to be given her mother's behavior.

[@denisebarker9288]

Great gift in addition to the $5000.00 I hope they are a happy family now.

[@caitlinsummers460]

This lady sounds like she never got taught the responsibilities of life.....

[@DoctorSmartyPants]

I love Tammy's daughter! ❤️

[@susananderson7473]

Children needs to learn about saving. Teens need to learn about investments, handling finances properly, budgeting. Kids of all ages above 2 yrs need to learn age appropriate chores. Things like putting toys away, making their bed, straightening their room, taking trash out, doing laundry, cooking, all forms of cleaning. Teens need to also learn basic car maintenance. Parents who give no lessons and have no expectations end with the adults who can't cook, do laundry, budget....

[@jackiedorman2188]

Love cleaning other peoples houses. Not my own. But im good at cooking and messing everything up. Lol

[@davisholman8149]

Isn’t it weird? I feel the same way - will clean my daughter’s house while tending my precious granddaughters - then come home & be too tired to clean my own.🤪

[@pamsmith1665]

​@davisholman8149 what is weird is you are just like the parents in this episode

[@valeriemartini6315]

This is great learning for the daughter too.

[@suekennedy1595]

Wasn’t the granddaughter a lovely personality

[@juditharsenault2131]

I had a friend who had a really good job and her husband was a truck driver. She called me crying because she didn't have any money for gas or to live on until pay day. I gave her $200. I found out she had a spending problem plus they had failed business debt. I went to see her and she had a charming house filled with a lot of junk. It was disorganized and not very clean though not awful. She took me out to see her chickens and she had a beautiful Amish chicken coop. She collected eggs and had a lot. She never offered me any eggs but talked about selling them. I figured out, I'd never help her again because it was all about her. They declared bankruptcy but God watched out for them. They needed a new pellet stove one winter or no heat. She called me and I prayed on the phone with her. Her husband got an unexpected check in the mail the next day and it covered the new stove with nothing left over. God is good!

[@MrsEJV]

Oh, poor single parent! Without a mortgage to pay. I wish the daughter wasn’t pulled into these adult problems to the degree she was.

[@Zoot_of_Anthrax]

My mom and stepdad were very poor and spent money irresponsibly ontop of it. They refused to provide me with info for fafsa for college, criticized me for ONLY working 40+ hours as a teen during school year. During summers i worked 3 jobs. Never taught me anything about money. Ive been single mom in highly contentious divorce (~100k in legal ive spent at this point) for 14yrs. My kiddos are 18+15 now. I try and give them as much education as i can about budgeting, saving, how credit works etc. now i dont involve them in money struggles, but i do teach them age appropriate financial discussions. Like when they were 6+9 there was radio ad on sign up for electric plan and get a free nest thermostat. I walked them through the math of x per month more for different power plan over lifetime of contract (2 or 3yrs) ending up costing like 10x the cost of nest. Walked them through the math and tried to make it fun. Too many adults dont understand budgeting and credit. I didnt. So i think its smart to involve kids in responsible money discussions

[@___melanie]

They live in one of the most expensive places in the province. Not everyone can afford a mortgage there, let alone on a single income

[@davisholman8149]

@@Zoot_of_Anthrax YOU are AMAZING, Shan. What a good Mum you are!👏🏼

[@gracefulhumble7248]

I am surprized about the cold comments about her, remember she was not taught any of this stuff, that is why she was so open to learning she did a great job on the show and showed growth through responsibility that she had not been taught before. I hope they are all in a better situation now. Also she was incredible on ice, I would pay her to teach me!

[@ruthirwin8222]

Iwasnt taught money management either but i know basic maths, if u spend more than u earn you are in debt ..easy

[@aussiemouth747]

Google it. No excuse for ignorance these days.

[@JAH-iu3yh]

How did her initial reaction include everything BUT embarrassed!?!?!

[@jaxemay7027]

So if she can't cook or clean maybe instead of giving her money, her parents should give her lessons.

[@jibrilamvs]

I would have enjoyed if they came back three months later to do an after show check in/update.

[@brendasuelong-bryant3855]

Mom is NOT taking this seriously! Parents did not properly prepare her to live on her own!

[@mpdnd1335]

Skaters are many times catered to and spoiled by the parents. This is one result.

[@roxroxroxgrace]

Caitlin is the mother in her relationship with her mom. That is not good.

[@amyannshipyor4096]

Cooking is not as hard as this woman makes it seem. What is her daughter learning from her except how to get into debt and spend to much money.

[@bovnycccoperalover3579]

Given the current situation in Western society, I think that we will see more multi generational homes in the future, which was common pre-WW2 post war boom.

[@legzfalloffgirl5148]

Reading the comments section, I feel like people are harder on this woman than other couples because she is a single parent. Using your parents as a piggy bank is not great, but obviously she knows that or she wouldn't be on the show

[@suewills3514]

parents give the girls what ever they WANT!!!!!!!!!!!!!!

[@annkirshner4468]

Can't cook can't clean can't balance a budget. Wtf can you do?

[@pamsmith1665]

Fuck

[@drewconway7135]

I wonder what made her decide that opening the business was a good idea. She should just go bankrupt. If she gets an R7 on her credit report from the proposal, banks are going to treat it like it’s an R9, anyway, so she might as well flush it down the shitter and start over.

[@juliemoore6957]

How long has the mother been living with her parents? Where is the teenager's father?

[@janebaker4912]

Where is this women now?

[@candi0826]

Who knows this show is old

[@noelleschilling8558]

Why do people say burn down the house, there is plenty of food that doesn’t require heat

[@mandy3486]

This lady plays the single mom card every 5 minutes. The teenager is more responsible than mom.

[@nildabridgeman8104]

She's never gotten over having her daughter alone.. until she gets past seeing herself as a failure, she can't move on emotionally and finally then growing up as a woman. I been there, I wish her & her daughter the best

[@Holidaygal]

Where is the child support money ??

[@Chloe299XxX]

Why do you assume she gets any? Dad could be dead? Took off? She could have been in legal debates she isn't allowed to speak about.

[@Holidaygal]

@@Chloe299XxX if the dada is dead , the child could get social security benefits. If the father moved to another state, the Children support system is US nationwide. They can find him via income tax filings etc…

[@truegrit7697]

Eating out is tossing money down the drain. These parents raiser a loser.

[@brendasuelong-bryant3855]

You need to be scared. Your parents are still spoiling you!

[@momof2momof2]

Tammy and her mother are so much alike

[@heatherwhittaker6169]

The thing that all of these debtors have in common is ENTITLEMENT...

[@bovnycccoperalover3579]

Tammy and Kaileyn should move in with Mom and Dad to pay off debt.

[@bovnycccoperalover3579]

Ingredients to avoid: maltodextrin, high fructose corn syrup, "natural food", dextrose, added sugar, sucrose, disodium DTLA and more. We have to educate ourselves. KZbin has a lot of great educational videos. Beware, they may make you angry.

[@philcomfortkitchen]

I wonder if there’s any follow up with her?

[@christinebutler7630]

Where the hell is the child's father? How come he isn't paying support? Unless he's deceased, there's no excuse. I'm as tired of women who let men off the hook as I am with the deadbeat men! They shrug and say " dad's not involved" and hold out their hand for the taxpayer to step up. The "assistance" they need is help tracking down the sperm donor and forcing him to be responsible.

[@Ravenousyouth]

why is it the womans job to get the father involved ? Its a failing of the male

[@ellavideos5446]

All I can say is … no wonder she’s a single mom …. She uses everyone.

[@CaraMarie13]

She should declare bankruptcy. She already has a lease, so she should see if she can get a new credit card and discharge the ones she's under. Those things will fall off her credit eventually, and she will be able to free that cash. She just needs to learn the lesson and f*&* the stigma. That's in your head.

[@ruthirwin8222]

Somehow i dont warm to tammy, she is so immature its hard to watch

[@meowsha]

I wish there were uodates

[@azeezsalvador2361]

Where is the father?

[@4TIFYME]

I'm wondering also... shouldn't he be paying child support to help her financially?

[@janebaker4912]

Child support is to support the child, not upkeep the mothers life style. If she's over spending $1,700 a month how can more money help. I bet she already gets child support

[@janebaker4912]

Plus you can tell she's been using the "but I'm a single parent" excuses for years.

[@peanutsassyathena]

We don't know if the father sends child support - they didn't address it. Maybe he is dead? Maybe he is in prison? Maybe he left the country to avoid child support?

[@cdc8875]

What is hydro?

[@smabify]

cdc88 it’s electricity (in Canada, most electric is made by way of dams and water)

[@dboozer4]

Yes, electricity bill, not the water or sewer bill.

[@daveconnolly417]

@@smabify Ya, I started calling it Hydro when I lived in Southern Ontario, and still do even though I moved back home to the Maritimes (so I get some funny looks sometimes).

[@ellenorbjornsdottir1166]

@@daveconnolly417 Whaaatt

[@KC-qr3wk]

Wow! I didn’t know that!

[@videofan1010]

Why is cleaning a house so difficult?

[@sarahuber8567]

It’s not. People just don’t want to do it.

[@deliarodriquez7129]

So tell baby gril shes has to go without.

[@deborahmeek6529]

People love love love feeling sorry for themselves( I’m a single parent) who cares your lucky your daughter is like a grownup geez ( you have one child, that’s not very many)

[@daschundloverable]

BS - When you file a BK, all credit doors open back up except for applying for a mtg. After 2 yrs., you can get a loan.

[@davisholman8149]

And the hardworking taxpayers of Canada are paying for this piece of work’s fun & spending on crap. You are living frugally, staying ‘NO’ to yourself - while she goes out to eat & buys crap at the mall.🤑

[@icestationzebraassociates2460]

@dreamland I used to have a friend that filed for bankruptcy probably five times in the time I knew him. Each time, he ended up being able to buy a new car in short order lol

[@teresahegerich8835]

Our credit had a Black mark for 7 years. And the first one was the last one. I still don't drive a new car. I like not having payments.

[@cassieoz1702]

I dont understand. Why does everyone think its amusing that they cant cook ir clean for themselves?

[@alisonlaing5626]

One word comes to mind.............."Looser".............we,re all capable of spending money.... but........we don,t expect others to dip in their pockets etc

[@4spremilimone]

No life skills…sad

[@donwald3436]

Where's the father?

[@candi0826]

She looks like she had her daughter pretty young. So he is probably where all the deadbeat dads are.

[@chubbybunny6975]

She's 35 and her daughter's 14, meaning she had her at 21. Was probably a dead-beat dad that fucked off because he didn't want the responsibility

[@donwald3436]

@@chubbybunny6975 Why'd she have unprotected sex with him AND keep the baby, then?

[@Trioditis]

@@donwald3436 well birth control can fail, obviously, and she might be against abortion for moral reasons. And/or maybe the Dad was with her for a while and then left with no forwarding address.

[@donwald3436]

@@Trioditis In other words, she made poor choices.

[@ruthirwin8222]

Oh boy im glad im mot tammys mum, id be tearing my hair out, she can neither cook or clean, what happened clean your bedroom

[@gabhm4bbw]

How did I know she was a cat person....

[@amyliss7567]

People want teachers pretty slinking SKINNY dressed and skinny coaches be taken seriously how WORLD 🌎 IS

[@christinebutler7630]

Internet? Go to the library. Quit reading trashy magazines, you don't have time. Buy things at goodwill and stay out of the mall. It isn't rocket science. Stay off the fast food!! Both mother and daughter have a weight problem. They can cook healthy stuff at home.

[@davisholman8149]

Yes - bet she dropped competitive skating because she became obese. All of us in North America need to cut what we eat in half. With inflation so bad - it is a good idea to do that ASAP.

[@annkirshner4468]

Don't worry hun, you won't starve.

[@marlenemaschke3763]

Tammy is still probably bleeding her elderly parents dry in this day and age. People like Tammy rarely change.

[@amyliss7567]

TOO BIG SKATING CUSTOMER WON'T TAKE YOU SERIOUSLY UNFORTUNATELY NO WAY

[@Kona_Blue]

Your kids shouldn’t be living at home. Stop being soft parents

[@kartikprasad4359]

Nothing wrong with living with your parents. Asian societies do it, all the time.

[@Kona_Blue]

@@kartikprasad4359 you’re prolonging adolescent and making your kids dependent not independent. We want to raise strong self sufficient kids not people who can’t adult.

[@kartikprasad4359]

@@Kona_Blue I’m living with my elderly mom, and I’m adulting just fine.

[@lynnettemurphy8243]

@@kartikprasad4359 Same here, I lived and took care of my mother til she died couple years ago age 95. I turned out just fine, no debts. Wish you and your well.

[@amyliss7567]

Beautiful cheek bones Called FIGURE SKATING FYA REASON. I BELIEVE PLUS SIZE. modeling GOOD BUT THAT'S SIZE 12-14 AT MOST MY SISTER DID IT YOU NEED HEIGHTH

[@LS-xq5nf]

This is illegible

[@suetipping4841]

Give your daughter to your parents to raise, move into a one bedroom apartment, go to a debt analyst and get help. Stop Spendin Money. Period.

[@aussiemouth747]

Glad she gave Kaitlyn a budget too. She will learn to cook too. How can you be 35 and not cook? Baffling! 🤷‍♀️🦘

[@juliemoore6957]

How long has the mother been living with her parents? Where is the teenager's father?

[@Chloe299XxX]

In prison? Dead? On the run? Maybe not addressed here as he didn't want to be on it?? Use your brain