First time posting but want to know if IABU.
Sorry its long but dont want to miss anything as could use some advice.
First a bit of background info. My mum and I have a complex relationship as I didnt have a stable childhood and weve never addressed that. I spent a lot of time being raised by my grandparents (mums parents who are sadly no longer here). I have a (step) dad who is my dad. Im an only child but my dad has other children from previous relationship who I am not close to.
My mum has never been good with money management. Always in debt and putting holidays and non essentials on her credit cards. She cares a lot about how she looks and the image she projects to people. For example will only wear designer clothes and wants brand new cars and multiple big holidays a year.
My dad and mum keep their money seperate and have alwayd covered half of house / bills each, and have always earned similar, decent amounts. He also gives money to to his other adult children regularly to help with cost of living and mum disapproves of this.
So here is my situation.
Im married with 2 primary aged children and have come into a substantial amount of money as a result of an accident associated with negligence, which has resulted in the need for extensive lifelong care for my young child as they now have a severe disability and will need 24 hour care for the rest of their life. As it was birth related both my child and I have a pot of money.
Due to my daughters care needs, we have needed to move house. My mum asked if she and dad could she rent our house from us as she had taken out loans against her house making it no longer affordable and she was at risk of loosing it. I agreed as didn't want to see my parents homeless or have to move to a more affordable area, but did have reservations.
I am not making any profit from my parents. They are covering the mortgage which costs exactly 1/4 of what hers was, and about 1/5 - 1/6 of what rentals of the same size are in our area. We had a great mortgage deal, so for a 3 bed house she is paying about £270 a month. I even did some work to the house to modernise it for her before she moved in. She is paying her bills but i pay for her petrol as she occassionly collects one of my children from school (my child needs a specialist provision while other is in mainstream). Parents sold their house, paid off mums debts and had just around £50k leftover last year. She paid me her part of 1 years rent up front when she first moved in.
The year has now passed and shes made no attempt to hand over any money or even mention paying me. She has spent all the money leftover after repaying debt from her house sale and recently got medical retirement as she found continued working wasn't good for her stress levels. At the moment she has £600 left over after bills and rent. She recently asked to borrow from me to get her nails done for a holiday, has had her hair done and has another long haul holiday booked (so not cheap). She constantly says she has no money and makes comments like 'its alright for you, youre sorted and dont need to work again or worry about anything.' Now, I worked from being a teenager full time, had a good career and had to leave work to care for my child. I also obviously worry about them and their future but I feel like my mum misses that point, and that the vast majority of the money is needed for my childs care. If I try and approach money with her she becomes possessive and defensive.
She is my mum and I dont have siblings so she feels that its my responsibility to help and support her.
To be transparent she did help by loaning bits of money in the past but I have repaid her everything Ive borrowed, and given her more. I feel like I've helped her clear her debts, treat her to things like hair and nails, presents I know she and dad would like. I pay her petrol.
So I now don't know what to do. My friend and husband think she's unreasonable, and will continue to expect me to bail her out and pay for her general living costs if I dont put really firm boundaries in place now. They think i should ask her to pay the money to cover the mortgage or else she cannot live in my house and I would look to sell up... i dont fully disagree but it also impacts my dad, and my mum is still my mum. I feel very guilty because of this, and I can't afford to subsidise her life by any means as most of the money is for my child and their extensive support needs. My mum will make comments like 'cant take it with you, or no pockets in shrouds' Ive suggested to my husband maybe asking an estate agent to manage it for me, but then we will incur the costs and he questions why we should when she has a good deal. My mum has no savings and wouldnt really have another living option if I sold.
Would it be unreasonable to ask mum to pay her rent or tell her I will need to sell. Please try and be kind as I am already feeling guilt and confusion