                    IN THE COURT OF APPEALS OF TENNESSEE
                        WESTERN SECTION AT KNOXVILLE
                                                              FILED
                   _____________________________________________

                                                                 May 7, 1998
JACQUELINE S. WHITESIDE,        )
                                                               Cecil Crowson, Jr.
                                      )      Hamilton Circuit No. 93-DR-2557 Clerk
                                                               Appellate C ourt
      Petitioner/Appellant,     )
                                      )      Appeal No. 03A01-9707-CV-00272
v.                                    )
                                      )
JERRY WHITESIDE,                      )
                                      )
      Respondent/Appellee.            )




            APPEAL FROM THE CIRCUIT COURT OF HAMILTON COUNTY
                       AT CHATTANOOGA, TENNESSEE
                  THE HONORABLE SAMUEL H. PAYNE, JUDGE




John P. Konvalinka, Esq.
Grant, Konvalinka & Harrison
Chattanooga, Tennessee
Attorney for Appellant


Edward A. Love, Esq.
Chattanooga, Tennessee
Attorney for Appellee




             AFFIRMED IN PART, REVERSED IN PART, AND REMANDED




                                          WILLIAM H. WILLIAMS, Senior Judge



CONCUR:

W. FRANK CRAWFORD, P.J., W.S.
DAVID R. FARMER, J.
                                            OPINION


       This appeal is from the action by the trial court on a contempt citation by the Appellant,

hereinafter “Wife,” and a Petition to Modify the original Divorce Decree and a motion under Rule

60, Tenn. R. Civ. P., brought by the Appellee, hereinafter “Husband.”

       The trial court found that the Wife was living with a third person pursuant to T.C.A. § 36-5-

101(a)(3) and reduced alimony from $1,000.00 to $250.00 per month; relieved Husband of the

obligation to pay life insurance premiums past and future; declared no alimony arrearage due Wife;

and required Husband to reimburse Wife for marital debts in the amount of $10,006.85 payable at

$500.00 per month without interest. The appeal is properly before this Court.

       The Final Decree of Divorce entered December 1, 1993 recited that the Husband did not

contest the divorce by Answer or otherwise respond to the Complaint and did not appear at the

divorce hearing.1

       At the time of the divorce hearing, the Court heard testimony of the Wife and her

corroborating witnesses and entered a Decree, the portions pertinent to the issues raised on this

appeal are: (1) the divorce was granted to the Wife on grounds of inappropriate marital conduct; (2)

the marital residence was awarded to Wife with Wife being solely responsible for payment of the

mortgage on the property beginning January 1, 1994; (3) Husband was ordered to pay the premium

on a life insurance policy on his life in the principal amount of $100,000.00 with the Wife named

as sole beneficiary and the ownership of the policy was transferred to the Wife; (4) Husband was

ordered to pay as alimony certain debts incurred through the use of certain credit cards by the parties

during the marriage; (5) Wife was awarded alimony payable for life at $1,000.00 per month on the

first and fifteenth of each month.

       On January 16, 1997, the Wife filed a Petition for Contempt of Court seeking a judgment for

past due alimony, reimbursement for life insurance premiums paid by the Wife, and reimbursement

to the Wife of payments made by her of certain credit card debts that had been ordered by the Court

in the original Decree to be paid by the Husband in the amount of $10,006.85.

       On January 22, 1997, the Husband filed a Rule 60, Tenn. R. Civ. P., Petition to Modify and

a motion seeking the immediate elimination of alimony payments to the Wife. The Husband also


       1
           He did subsequently appear at the default judgment proceeding and consented to the Decree.

                                                   2
asked for credit for all alimony payments made to the Wife after the date that a male companion

allegedly began living with her. The Husband, by the Rule 60, Tenn. R. Civ. P., motion moved the

Court to alter or amend the Final Divorce Decree to conform to the parties’ post-divorce decree

agreements, relieving the Husband from reimbursing Wife for her voluntary payments of the life

insurance premiums and for her voluntary payment of the credit card debts previously ordered by

the Court that Husband pay in the amount of $10,006.85.

       The evidence presented at the hearing on May 5, 1997 produced an unusual, if not bizarre,

scenario. Apparently from the outset, the parties proceeded to ignore the Divorce Decree by the

Court. They continued to reside together at the marital residence until the Wife moved out in March,

1994. The Husband stayed in the house and paid the Wife rent until the house was sold by the Wife

on November 4, 1994. During this time, the Husband paid the entire amount of his paycheck into

the Wife’s checking account and after she paid all bills and obligations of the two, they split the

remainder. The Wife testified that she netted $39,342.56 from the sale of the residence. While not

disclosing this amount to her Husband, she gave him $5,000.00 and paid the debts of the Husband

that the Court had ordered him to pay in the amount of $10,006.85. In addition, the Wife paid the

monthly life insurance premiums the Husband had been ordered to pay. The Wife stated at the

hearing that her actions were done in order to protect her interests on the mortgage securing the

marital home and to protect her credit rating so that she could purchase the house where she is now

residing at 7938 Hamilton Mill Drive in Chattanooga. After the house was sold, the Husband paid

the monthly alimony of $1,000.00 under an arrangement whereby he paid $750.00 directly to the

Wife and their daughter paid $250.00 to her mother on behalf of the Husband. This was done

because there was an automatic $250.00 deduction from Husband’s paycheck to pay the daughter’s

note on her car.

       On December 1, 1996, Husband stopped the $750.00 payment of alimony because he

discovered that the Wife was allegedly living with a man named Norwood. The daughter continued

to pay the $250.00 alimony to the Wife on behalf of the Husband. The Wife testified her gross

income for 1996 was $27,299.48. The Husband testified that his income was approximately

$72,000.00 annually. The Wife stated that she purchased the house on Hamilton Mill Drive in

October of 1995. The mortgage on the second purchase is $109,000.00. She denied that Thomas

Norwood was living with her at the address of 7938 Hamilton Mill Drive. She conceded, however,


                                                 3
that Norwood received his monthly bank statement at her address, they have had a very close

relationship for the last one and one-half years, Norwood did spend the night occasionally, he eats

dinner there virtually all the time, he does not pay rent or utilities, and he keeps clothes at her house

sometimes.

        The Husband verified by his testimony the post-divorce arrangements between Wife and

himself. This arrangement lasted apparently until the marital home was sold by the Wife. The

record is not clear as to when precisely the practice of depositing Husband’s paycheck into Wife’s

bank account stopped. Husband testified that the insurance premium for the life insurance on his

life was voluntarily paid by the Wife by agreement between the two. The purpose of the policy was

to secure the mortgage on the marital residence. The monthly premiums of $100.00 were

automatically deducted from Wife’s bank account and she agreed to continue making that payment.

Husband said that he already had $300,000.00 of permanent life insurance on his life in addition to

the subject policy. He insisted that they agreed that he would pay only the alimony and certain credit

card debts other than the debts amounting to $10,006.85 that the Wife admits she voluntarily paid.

Neither party maintained that the other was coerced into any of the agreements.

        When asked why he stopped the alimony payments after the November 15, 1996 payment,

the Husband replied, “I just felt that it was not fair for me to pay money to her when someone else

was living in the house.” He testified that he had called Wife’s house on several occasions and a

man answered each time, that he had driven by Wife’s house on Hamilton Mill Drive at various

times in the mornings and afternoons on 15 or 20 occasions and he had seen Norwood’s car parked

there. Norwood drove a red or burgundy Lincoln Continental. He had seen Norwood leave her

house three or four times at around mid-morning.

        Kimberly Whiteside Brooks, daughter of the parties, testified that she saw nothing in her

mother’s house to indicate that anyone was living there other than her mother.          Nettie Houston,

mother of the Wife, testified that nobody was living with her daughter.

        Gwendolyn Norwood, mother of Tom Norwood, testified that her son lived with her and his

sisters at 3111 Curtis Street in Chattanooga.

        Thomas C. Norwood testified that he did not live with Ms. Whiteside although he had spent

the night there. He is retired from the United States Navy and receives a pension for 21 years of

service as a Naval officer. He is presently employed as a furniture salesman in Chattanooga. He


                                                   4
receives a pension check of $1,850.00 a month and earns about $2,700.00 a month from his private

employment. He lives with his mother at 3111 Curtis Street. Mr. Norwood testified on cross-

examination that he owns a burgundy Lincoln Continental and a car loan document dated 1996

shows his address at Ms. Whiteside’s home on Hamilton Mill Drive. His car insurance papers give

the same address. His application for employment at Linda’s Furniture Store gave Ms. Whiteside’s

address as his present address and her phone number as his number. An Employment Eligibility

Verification form for tax purposes gave the address of Ms. Whiteside at 7938 Hamilton Mill Drive.

Norwood’s W-4 withholding allowance form gave the same address. The original car registration

in 1995 on the Lincoln Continental showed Norwood’s address at 3111 Curtis Street, but on October

31, 1996, the address was changed by Norwood to show 7938 Hamilton Mill Drive. A deposition

from Mr. Tim Butler, assistant manager of First Enterprise Acceptance Corporation, verified the

address furnished them by Norwood on his insurance verification form dated September 17, 1996

to be the address of Ms. Whiteside on Hamilton Mill Drive.

       At the conclusion of the hearing, the trial court rendered an oral findings of fact later

incorporated by reference into the written opinion entered June 2, 1997.

       The trial court’s oral findings included the following:


               . . . The Court finds that the insurance obligation ended when the
               house was sold. By her agreement and his too, that was to cover the
               house. When it was sold, it was over. Now, if she wants to keep it,
               I think she has a right to do that, but she has to pay for it.

               The Court does find that she has been living with another man, Mr.
               Norwood. He makes approximately $4,500.00 a month. I don’t
               believe the fact, for the record, that he doesn’t contribute anything.
               If you take her total salary and divide it monthly, it’s $2,274.00. If
               you take 20 percent for taxes, if you paid her house payment of
               $1,022.00, that leaves her $797.00, and her total utilities run $604.00.
               She couldn’t possibly live. There is no way she could make it. She
               had to get the money somewhere, the Court feels like that, and I think
               it’s, for the record, it’s a rouse [sic] (ruse) so that he has to keep
               paying alimony. If she loves him, she ought to marry him, as he says
               he wants to.

               The Court feels like alimony should be reduced to $250.00 a month.
               I feel like he does owe the $10,006.85 she paid off on her accord for
               her own purposes, not yours. The Court feels like he should pay
               $500.00 a month to her back for paying that off at no interest. When
               that is paid off, he is through with that, and he should pay the other
               bills.

               The Court costs should be divided and each side pay their own
               attorney.


                                                  5
                                       ****

       Yes, sir, I don’t feel -- I feel like it’s been a charade on the man, for
       the record. I think he’s been taken advantage of. He obviously went
       down and changed it. He makes $4,500.00 a month. She couldn’t
       live on what she got. It’s just the evidence is overwhelming that
       somebody is helping her, and the only one before this Court would be
       Mr. Norwood, and that’s what I find, and I’ll make it pretty clear for
       the Court of Appeals.


The pertinent portions of the written opinion filed June 2, 1997 are as follows:


       This cause came on to be heard on the 5th day of May, 1997, upon
       Petitioner’s Jacqueline Whiteside Petition for Contempt, the
       Respondent’s Jerry Whiteside Petition for Modification, as well as
       the Rule 60 Motion to Alter or Amend the Judgment, and after
       hearing all the proof in the cause, along with the examination of all
       the exhibits, the Court made certain findings of fact and conclusions
       of law with a copy of the Court’s memorandum opinion given from
       the bench attached to this Order and incorporated herein,

       IT IS, THEREFORE, ORDERED, ADJUDGED AND DECREED:

       1. That Jerry Whiteside’s obligation to pay the life insurance
       premium expired when the parties’ marital home was sold in
       November, 1994. Jerry Whiteside owes no money on that issue and
       the Petition is denied as to that issue.

       2. The Court finds that Jacqueline Whiteside is living with a third
       person, Thomas Norwood, and that the Petition to Modify is granted
       and the permanent alimony payments are reduced from $1,000.00 to
       $250.00 per month.

       3. The Court finds there is no alimony arrearage due Jacqueline
       Whiteside and that Jerry Whiteside is not guilty of contempt of court.


       4. The Court finds that Jacqueline Whiteside paid $10,006.85
       toward debts that Jerry Whiteside was ordered to pay in the Final
       Divorce Decree and that Jerry Whiteside’s Petition to have those
       debts declared Jacqueline Whiteside’s obligation is hereby denied.
       Jerry Whiteside is hereby ordered to reimburse Jacqueline Whiteside
       the sum of $10,006.85 payable at the rate of $500.00 per month until
       paid off with the debt bearing no interest, for which execution may
       issue if necessary.

       5. All of the remainder of the contempt petition is denied.

       6. All of the remainder of Jerry Whiteside’s Petition to Modify and
       Rule 60 motion is denied.

       7. Each party is to pay their own attorney fees.

       8. That each party will pay one-half of the court costs of this case,
       for which execution may issue if necessary.

       Entered this 2nd day of June, 1997.


                                          6
                                                       /s/ Samuel H. Payne, Judge



                                            THE ISSUES

       The Appellant/Wife presented the following issues:

       I.     Whether the Court abused its discretion in modifying the Final Decree
              to reduce the award of permanent alimony.

       II.    Whether the Court erred in vacating the alimony and life insurance
              premium arrearages of Mr. Whiteside.

       III.   Whether the Court erred in terminating Mr. Whiteside’s liability for
              future life insurance premium payments.

       IV. Whether the Court erred in failing to grant Ms. Whiteside post-judgment
           interest.


       The Appellee/Husband presented the following issues:

       I.     The Court erred in not permanently terminating all permanent alimony.

       II.    The Court erred in ordering Husband to reimburse Wife $10,006.85 in
              debts Wife voluntarily paid.



                                          THE DECISION

       Since this case was tried by the Court sitting without a jury, we review the case de novo upon

the record with a presumption of correctness of the findings of fact by the trial court. Unless the

evidence preponderates against the findings, we must affirm absent error of law. T.R.A.P. 13(d).

       The pertinent portions of T.C.A. § 36-5-101-- Decree for Support of Spouse and Children --

Modification -- Delinquencies are as follows:

              (a)(1) Whether the marriage is dissolved absolutely, or a perpetual or
              temporary separation is decreed, the court may make an order and decree
              for the suitable support and maintenance of either spouse by the other
              spouse, or out of either spouse’s property, and of the children, or any of
              them, by either spouse or out of such spouse’s property, according to the
              nature of the case and the circumstances of the parties, the order or decree
              to remain in the court’s control; and, on application of either party for
              spousal support, the court may decree an increase or decrease of such
              allowance only upon a showing of a substantial and material change of
              circumstances. . . .

              (2)(A) Courts having jurisdiction of the subject matter and of the parties
              are hereby expressly authorized to provide for the future support of a
              spouse and of the children, in proper cases, by fixing some definite
              amount or amounts to be paid in monthly, semimonthly, or weekly
              installments, or otherwise, as circumstances may warrant, and such
              awards, if not paid, may be enforced by any appropriate process of the


                                                   7
             court having jurisdiction thereof, including levy of execution.

                                              ****

             (3) In all cases where the person is receiving alimony in futuro and the
             alimony recipient lives with a third person, a rebuttable presumption is
             thereby raised that:

                   (A) The third person is contributing to the support of the
                   alimony recipient and the alimony recipient therefore does not
                   need the amount of support previously awarded, and the court
                   therefore should suspend all or part of the alimony obligation
                   of the former spouse; or

                   (B) The third person is receiving support from the alimony
                   recipient and the alimony recipient therefore does not need
                   the amount of alimony previously awarded and the court
                   therefore should suspend all or part of the alimony obligation
                   of the former spouse.

             This subdivision (a)(3) shall in no way be construed to create any
             common-law marriage obligation as to third parties.


       The intent of statute (a)(3), Id., is clear and unambiguous when read in the natural and

ordinary meaning of the language and in the context of the entire statute without any forced or subtle

construction to limit the import of the language. Worrall v. Kroger Co., 545 S.W.2d 736, 738 (Tenn.

1977); City of Lenoir v. State, ex rel. City of Loudon, 571 S.W.2d 297, 299 (Tenn. 1978); see Azbill

v. Azbill, 661 S.W.2d 682, 686 (Tenn. Ct. App. 1983).

       In Azbill, this Court elucidated the intent of the 1980 enactment pertaining to an alimony

recipient living with a third person as follows:


             It is clear that the Legislature merely provided a different method of proof
             for the situation where the changed circumstance consisted of the alimony
             recipient living with a third person. In those instances the presumption
             arises that the alimony previously decreed is not needed and therefore the
             burden shifts to the alimony recipient to demonstrate that although he or
             she is residing with a third person, this in no way alleviates the need for
             the alimony previously awarded. The synonym for live is reside and it
             is clear that the use made of the word “lives” in the statute could just as
             easily have been “resides.” Nowhere does it indicate that there must be
             any type of liaison, sexual or otherwise.

Azbill, 661 S.W.2d at 686.


       As noted, this amendment simply furnished a different substantial and material change of

circumstance that would warrant the Court in its discretion to modify the final judgment authorized

by T.C.A. § 36-5-101(a)(1).



                                                   8
       A Motion for Relief of Judgment under Rule 60.02, Tenn. R. Civ. P., addresses the sound

discretion of the trial judge; the scope of review on appeal is whether the trial judge abused his

discretion. Tony v. Muller Co., 810 S.W.2d 145 (Tenn. 1991); Underwood v. Zurich Ins. Co., 854

S.W.2d 94 (Tenn. 1993); Ellison v. Alley, 902 S.W.2d 415 (Tenn. Ct. App. 1995).

       After a thorough and careful review of the record, we cannot say that the trial court abused

its discretion in finding that the Wife, Jacqueline Whiteside, was living with a third person, Thomas

Norwood, within the intendment of T.C.A. § 36-5-101(a)(3).              We agree that the evidence

preponderates overwhelmingly in favor of the Court’s factual finding in this regard. Jacqueline

Whiteside, Thomas Norwood, and their three supporting witnesses stoutly denied that Norwood was

residing at the Wife’s residence, but the evidence in the record thoroughly impeached their

testimony.


             The trial court observed the manner and demeanor of the witnesses and
             is in a better position to determine the credibility of those who appeared
             personally before the court. Any conflict in testimony requiring a
             determination of the credibility of witnesses is for the trial court and is
             binding on the appellate court, unless other real evidence compels a
             contrary conclusion (citing authorities).

Azbill v. Azbill, 661 S.W.2d at 687.


       There is no evidence in the record that compels a contrary conclusion. We affirm the trial

court. This finding raises the rebuttable presumption that Norwood is contributing to the support

of Ms. Whiteside and she therefore does not need the amount of support previously awarded in the

final judgment of divorce.

       The ruling by the trial court established two substantive facts material to the Court’s decision

to reduce the alimony in futuro from $1,000.00 to $250.00 per month under T.C.A. § 36-5-101(a)(3).

First, a third person (Norwood) was living with the alimony recipient (Wife). Second, the third

person is contributing to the support of the alimony recipient. The latter finding resolved the issue

of “need” by the Wife who, in response to the presumption raised by the Court’s finding that

Norwood was living with her, presented evidence denying that he contributed to her support and that

her living expenses far exceeded her financial ability to pay. The trial court stated unequivocally that

it did not believe Norwood was not contributing to the Wife’s support and, as such, suspended the

alimony payment from $1,000.00 to $250.00. The statute vests the trial court with the authority to



                                                   9
take such action and it did so in its discretion. If the alimony recipient fails to overcome the

presumption, as here, T.C.A. § 36-5-101(a)(3)(A) states: “. . . and the court therefore should suspend

all or part of the alimony obligation of the former spouse.” (emphasis added). The word “should”

is the past tense of “shall.” Webster’s New Universal Unabridged Dictionary, 2nd ed. We find that

the evidence does not preponderate against the Court’s findings. There was no abuse of discretion

by the Court, and the Court correctly followed the law. We affirm.

       Wife next contends that the Court erred in vacating the alimony and life insurance premium

arrearages of the Husband.

       In the trial court’s oral findings of fact at the conclusion of the hearing on May 5, 1997,

incorporated by reference into the written final order of June 7, 1997, the Court granted full credit

to the Husband for any alimony payments due to Wife from the time that the proof in the record

showed the Wife and Norwood to be living together until the date of the filing of the Petition to

Modify by the Husband. Wife contends that Husband owes her $1,125.00 based upon the arrearage

for the month of December, 1996 and until January 16, 1997, the date she filed the Petition for

Contempt. The Husband filed the Petition to Modify on January 22, 1997. Therefore, the arrearage

would run for the month of December, 1996 until January 22, 1997. We find the total arrearage for

that period of time to be $1,275.00. Husband, in his brief, agrees with Wife’s contention that the law

holds that alimony ordered to be paid is due and collectable until the Petition to Modify is filed. See

Azbill v. Azbill, 661 S.W.2d 682, 687 (Tenn. Ct. App. 1983). We reverse the trial court and order

that the Husband pay the sum of $1,275.00 to the Wife as alimony arrearage. We do not find that

the Court abused its discretion in setting the alimony in futuro at $250.00 per month, beginning

January 22, 1997, and affirm the trial court.

       The Final Decree of Divorce of December 1, 1993 ordered the Husband to continue payments

on the policy of insurance on his life with the Wife as beneficiary and to transfer the policy to Wife’s

possession. The Court awarded to the Wife the marital residence subject to a $100,000.00 mortgage

and, beginning January 1, 1994, the Wife was solely responsible for payment of the mortgage. The

payment of the $100.00 monthly insurance premium was not designated as alimony, but was ordered

as a part of the equitable distribution of the marital property and assets by the Court between the

parties at the time of divorce.

        Both parties testified at the hearing in the instant case that the $100,000.00 life insurance


                                                  10
policy was for the purpose of mortgage protection. The Husband testified that he already had

$300,000.00 in life insurance and that he obtained the $100,000.00 life policy for mortgage

insurance. The Wife agreed that the parties had discussed one of the uses of the policy would be to

secure mortgage protection, but it actually was a life insurance policy purchased for the general

benefit of the Wife. Wife demanded $3,500.00 in back payments from the Husband. The Wife

further testified that the $100.00 premium monthly payment was automatically deducted from her

banking account and that she had agreed with the Husband in January of 1994 that he would deposit

his entire paycheck in her banking account and that she would make the payments of all obligations

between the two parties and the balance would be split on a monthly basis between the two. She

stated that after the house was sold, she continued to make the payments because it was in her best

interest to do so and that she never demanded of the Husband to make the payments until she filed

the Petition for Contempt. There is no showing in the record that the Husband ever refused to make

the payments, but rather the Wife continued to maintain the status quo by continuing the automatic

deduction from her bank account.

       The Court decided the credibility issue in favor of the Husband and ruled that the

$100,000.00 insurance policy was indeed for purposes of mortgage insurance, and when the Wife

sold the house the obligation of the Husband to pay the premium terminated. The Court ruled that

the Husband owed no money and that the Wife’s Petition was denied as to that issue.

       By this ruling, the trial court made a factual finding that the parties mutually agreed that the

Wife would pay the insurance premiums. Unlike the requirements of T.C.A. § 36-5-101(a)(1)

regarding the Court’s authority to increase or decrease spousal support only upon a substantial and

material change in the circumstances of the parties, such a showing is not required in this instance

because the Order to pay the premium was not designated as alimony by the Court in the original

Divorce Decree as was the payment of the credit card indebtedness. As the final arbiter of the facts,

the Court in its discretion decided the issue.

       These matters arose out of a divorce proceeding. Quoting from Kelly v. Kelly, 679 S.W.2d

458, 460 (Tenn. Ct. App. 1984):


             The Supreme Court of Tennessee, citing Evans v. Evans, 558 S.W.2d
             851, 854 (Tenn. App. 1977), has ruled that in such cases, trial courts are
             vested with broad discretion in adjudicating the rights of the parties.
             Fisher v. Fisher, 648 S.W.2d 244, 246 (Tenn. 1983). Decisions based


                                                 11
             upon this discretion are entitled to great weight. Edwards v. Edwards,
             501 S.W.2d 283, 288 (Tenn. App. 1973).


       In light of the Court’s finding that the Wife voluntarily agreed with Husband to pay the

insurance premiums in direct violation of the Divorce Decree of which she was fully aware; that the

Wife paid the premiums every month from January, 1994 until the time of the hearing without ever

demanding of the Husband to pay or reimburse her until she filed the Petition for Contempt; the

absence of proof in the record that Husband ever refused to make the payments; all of which

evidence fully supports the Court’s finding of a consent agreement between the parties. We do not

find abuse of discretion and, therefore, affirm the Court’s denial of the Wife’s claim of $3,500.00

as arrearage for life insurance premiums. Tenn. R. App. P. 13(d).

       For the same reason, as previously noted, we affirm the trial court’s action in terminating the

Husband’s obligation to pay the insurance premiums in the future.

       We have carefully studied the two unpublished opinions cited by the Wife in support of her

contentions regarding Issue I attacking the Court’s discretion in reducing the permanent alimony

award. We do not find either case to be persuasive authority. In Binkley v. Binkley, 13 TAM 42-15,

3 TFLL 1-7 (Tenn. Ct. App. 1998), the trial court stated that it was not really convinced that the

alimony recipient (wife) was living with a third party and furthermore, that the wife’s proof had

rebutted the presumption that alimony was not needed. This Court, Middle Section, pointed out that

the presumption does not rise until the evidence shows by a preponderance that wife was in fact

living with a third person and the evidence failed to prove this. The lower court was affirmed

because the evidence did not preponderate against the factual findings of the trial court.    In Duffin

v. Duffin, 18 TAM 51-10, 8 TFLL 3-19 (Tenn. Ct. App. 1993), this case likewise involved a Petition

to Modify filed by husband pursuant to T.C.A. § 36-5-101(a)(3)(A) and (B). The trial court found

for the husband and reduced the alimony payments. This Court, Western Section, disagreed with

the lower court that the evidence supported the factual findings by a preponderance. To the contrary,

this Court found from the record as a whole that the record did not contain evidence that wife and

Grimes had “occupancy of a commonplace of abode” and reversed the trial court.

       In the instant case, we agree with the trial court that the record contains overwhelming

evidence that supports the Court’s finding that (1) Norwood was living with the Wife and (2) he was

contributing to Wife’s support within the meaning of T.C.A. § 36-5-101(a)(3)(A) and (B).


                                                 12
Thereupon, the presumptive bubble burst and was replaced by the trial court’s finding as an actual

fact that based upon the proof in the record Norwood was contributing to the Wife’s support. The

Court’s action was not “mere speculation” as contended by the Wife, but was based upon facts in

the record. If the Wife was receiving financial help from another source and not Norwood,

common sense dictates that she would have shown such in the proof in order to refute the existing

proof in the record that clearly showed Norwood was living with her in her residence and was

contributing to her support. This, she did not do. Thus, the record established a reasonable inference

that Norwood was contributing to the support of the Wife as found by the Court. Although we

review de novo, unless the evidence preponderates against the Court’s findings of fact, we must

affirm.

          As stated in Azbill, 661 S.W.2d at 686, “the whole question involves the method of proof.”

The proof supported the Court’s findings of fact by a preponderance and the trial court correctly

followed the law, as previously noted, we affirm.

          We now turn to the final issue of the Wife questioning whether the Court erred in failing to

grant her post-judgment interest on the ordered monthly payments of $500.00 without interest until

the amount of $10,006.85 is paid pursuant to the hold harmless clause of the original Divorce Decree

which, as previously noted, had declared the hold harmless obligation of the Husband to be in the

nature of alimony. As such, the trial court clearly possessed the authority under T.C.A. § 36-5-

101(a)(1) and (2) to increase or decrease the payments. Wife does not complain of the trial court’s

variance in changing the payment of the award from lump sum to monthly installments, but rather

contends that since the “Court granted Ms. Whiteside execution powers on the judgment in the event

Mr. Whiteside failed to make the required payments it would be the height of injustice for Ms.

Whiteside not to be awarded the post-judgment interest to which she is statutorily entitled.”

          The Wife cites the case of Inman v. Inman, 840 S.W.2d 927 (Tenn. 1992), in support of her

claim: “The right to interest on a judgment is statutory, and the failure of any court to expressly

provide such interest in its judgments does not abdicate the statute.” Inman, 840 S.W.2d at 932.

          Generally, we agree with the quote from Inman.

          T.C.A. § 47-14-122 provides:

               Interest on judgments -- Computation. -- Interest shall be computed on
               every judgment from the day on which the jury or the court, sitting
               without a jury, returned the verdict without regard to a motion for new

                                                  13
             trial.

       T.C.A. § 47-14-121 provides:

             Interest on judgments -- Rate. -- Interest on judgments, including
             decrees, shall be computed at the effective rate of ten percent (10%) per
             annum, except as may be otherwise provided or permitted by statute;
             provided, that where a judgment is based on a note, contract, or other
             writing fixing a rate of interest within the limits provided in § 47-14-103
             for that particular category of transaction, the judgment shall bear interest
             at the rate so fixed.

       T.C.A. § 47-14-102(7) provides:

             “Interest” is compensation for the use or detention of, or forbearance to
             collect, money over a period of time, and does not include compensation
             for other purposes, including, but not limited to, time-price differentials,
             loan charges, brokerage commissions, or commitment fees. For example,
             when you borrow money, you pay the lender simple interest (which is
             like rent) for the use of the money. The amount of interest you pay
             depends on:

                      (A) The principal, which is the amount you borrow;

                      (B) The rate, which is a percent based on a period of
                          time, usually one (1) year; and

                      (C) The number of periods of time that you have the
                          use of the money . . . .


       With these statutes in mind, we examine the Inman facts which are that pending wife’s

appeal, the husband withheld a $100,000.00 cash award payment to the wife which had been

awarded to her by a judgment of divorce. Subsequently, upon the appeal becoming final, the wife

moved the trial court by motion for post-judgment interest from the date of the entry of the Divorce

Decree until the $100,000.00 was paid. The husband contended that wife was not entitled to the

post-judgment interest, assigning several reasons which are not pertinent here. The husband

conceded that he had not paid the $100,000.00 cash award until the mandate from the Supreme Court

on a previous appeal had been handed down. However, the payment by the husband did not include

interest on the cash award from the date of the judgment. The Inman court cited the Code § 47-14-

121 and stated: “Clearly, the plaintiff is entitled to interest at 10% on the $100,000 cash from the

date of the decree until paid.” Inman v. Inman, 840 S.W.2d 927, 931 (Tenn. Ct. App. 1992).

       By contrast, the facts of the instant case are not in point with Inman. Here, the trial court

awarded a judgment to the Wife in the amount of $10,006.85 and decreed that the debt would be

paid by the Husband in installments of $500.00 and at no interest. In Inman, the wife received a cash



                                                  14
award payable immediately upon entry of the judgment while in the instant case the Wife received

a monetary award but to be paid in installments. She is not entitled to the immediate use of the

money as was the case in Inman.

       We think the case of Price v. Price, 472 S.W.2d 732 (Tenn. 1971) is dispositive of this case.

See also West American Ins. Co. v. Montgomery, 861 S.W.2d 230 (Tenn. 1993).

       The facts of Price are that the appellant/wife was denied statutory post-judgment interest

because the Divorce Decree awarded a money judgment as alimony in solido payable in future

installments, and she was not entitled to the use of any of the money represented by the judgment

until each installment was due. All installments were paid when due. The Supreme Court noted in

Price, 472 S.W.2d at 734:


             In 33 A.L.R.2d 1455, under the heading “Right to Interest on Unpaid
             Alimony,” the editorial staff gives a summary of the cases in the
             following language:

             In the greater number of cases dealing with the question, interest has been
             allowed on unpaid alimony. Thus, where the problem arose in respect of
             judgments for alimony in gross, interest has been allowed from the date
             payment was due unto the judgment until payment was made, and, as to
             unpaid installments, interest has been allowed from the date the particular
             installment matured. Likewise, interest has been allowed on unpaid
             installments of alimony against the estate of a deceased divorced spouse.
             The theory upon which interest is allowed in these cases is that a
             judgment awarding alimony is in the nature of a money judgment. The
             same result has been reached even where the judgment or installment
             became due and payable pending an appeal of the judgment awarding the
             alimony, on the theory that the party awarded alimony should not be
             deprived of it by the prosecution of an appeal. (emphasis ours).


       Under Price, it is plain that the Wife in the instant case is entitled to be paid post-judgment

interest by the Husband from the date each particular installment matures at the rate of ten percent

(10%) per annum. The judgment of June 2, 1997 calls for the award of $10,006.85 to be paid in

monthly installments of $500.00 until paid in full. The first installment matured immediately upon

entry of the judgment on June 2, 1997. Each subsequent installment matured every thirty days

thereafter consecutively until the gross amount is paid in full.

       We hold that the Husband must pay post-judgment interest at ten percent (10%) per annum,

said interest accruing pro rata beginning with the maturization of each installment and until the

installment is paid. We reverse and modify the trial court’s ruling denying post-judgment interest

and remand the cause for the purpose of carrying out this Court’s instruction.

                                                 15
        The Appellee/Husband raises two issues:

        I.    The Court erred in not permanently terminating all permanent alimony.

        II.   The Court erred in ordering Appellee to reimburse Appellant $10,006.85
              in debts Appellant voluntarily paid.

        The trial court apparently was of the opinion that since the record showed the daughter was

paying $250.00 of the original alimony of $1,000.00 and that Wife testified at the June, 1997 hearing

that she had continued to receive $250.00 from the daughter that it was proper to leave the parties

in status quo. T.C.A. § 36-5-101(a)(3) provides that the trial court “should suspend all or part of the

alimony obligation of the former spouse.” Under the state of facts shown in the record, we find no

abuse of discretion by the trial court in its decision to suspend a part of the alimony obligation of the

Husband. We affirm.

        We hold that the court did not err in ordering the Husband to hold harmless the Wife in the

amount of $10,006.85 for reasons we have previously stated in affirming the action of the trial court

on this issue. The trial court held that the payment by the Wife of $10,006.85 for credit card debt

owed by the Husband pursuant to the Divorce Decree was not a gift because she made the payment

for her own specific purposes, not his, and that as such, the payment was not made voluntarily; it

was done by the parties in direct contravention of the Court’s Decree, and therefore lacked the legal

authority to do so. There is no proof in the record by a preponderance that the Wife intended to

divest her right, title, and interest in the $10,006.85, but to the contrary, she testified she felt

compelled to do so in order to protect her employment as a vice president of a local bank. It was

critical that she maintain a good credit rating. We agree with the trial court’s findings that this was

not a gift and that the Wife was entitled to reimbursement.

        This cause is remanded to the trial court for enforcement of its Divorce Decree as modified

by this Court.

        The costs of the appeal are taxed one-half against the Appellant/Wife and one-half against

the Appellee/Husband. Each party shall pay their attorney’s fees.




                                                _____________________________________________
                                                WILLIAM H. WILLIAMS, SENIOR JUDGE


CONCUR:

                                                   16
_________________________________________
W. FRANK CRAWFORD, P.J., W.S.



_________________________________________
DAVID R. FARMER, J.




                                     17
                         IN THE COURT OF APPEALS OF TENNESSEE
                             WESTERN SECTION AT KNOXVILLE
                        _____________________________________________


JACQUELINE S. WHITESIDE,                 )
                                                 )       Hamilton Circuit No. 93-DR-2557
           Petitioner/Appellant,                 )
                                                 )       Appeal No. 03A01-9707-CV-00272
v.                                               )
                                                 )
JERRY WHITESIDE,                                 )
                                                 )
           Respondent/Appellee.                  )



                                             JUDGMENT



           This cause came on to be regularly considered by the Court on the record and for the reasons

stated in the Court’s opinion of even date, it is ordered that:

           1. The Appellee, Jerry Whiteside, shall pay to the Appellant, Jacqueline S. Whiteside, the

sum of $1,275.00 as alimony arrearage, together with post-judgment interest at the rate of 10% per

annum from the date of entry of the trial court’s order in this cause, to wit, June 2, 1997, until paid

in full.

           2. The Appellee, Jerry Whiteside, shall pay post-judgment interest at the rate of 10% per

annum to the Appellant, Jacqueline S. Whiteside, for the reimbursement of the principal sum of

$10,006.85 payable in consecutive monthly installments of $500.00, the first payment to begin on

the date of entry of the order of the trial court in this cause, to wit, June 2, 1997, until paid, and

thereafter on the date of maturity of each installment until paid in full.

           3. The costs of this cause are taxed one-half to the Appellant and one-half to the Appellee,

for which let execution issue, if necessary. Each party shall pay their respective attorney’s fees.

           4. The cause is reversed in part, affirmed in part, and remanded to the trial court
for enforcement of the judgment as modified by this Court.




                                            __________________________________________
                                            WILLIAM H. WILLIAMS, SENIOR JUDGE



                                            __________________________________________
                                            W. FRANK CRAWFORD, P.J., W.S.



                                            __________________________________________
                                            DAVID R. FARMER, J.
