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To ask my parents for financial help

589 replies

concernedchild · 20/03/2024 08:47

I'm 24, I live at home (I know this will attract a lot of criticism but I cannot afford to move out).

I earn £1300 a month after tax etc.

After saving for professional exams (I have to pay for them, I get no help from work) I'm left with £650 per month. Of this I have to pay for uni, all my own expenses and travel to work, as well as other savings.

I'm left with about £75 at the end of each month. From this £75 I contribute what I can to the house but it's not a lot. I feel like a failure. If my friends ask to meet up I have to say no because I can't afford it.

Travel alone is £200 per month. I can't make it any cheaper. Uni is £100 per month. My expenses aren't extravagant - I'm paying for my uni course, my phone, Spotify etc., I'm not spending hundreds on my nails or getting sun beds or anything like that.

I want to approach my parents and ask for some help with the exams but I feel like a total failure for even having to ask. The plan when I moved in after uni was for me to save up and move out, but I had to move company and took a pay cut. I can't relocate my job (I'm on a training contract and I'm unlikely to get another one).

I feel like I'm sinking. I'm working for basically nothing, I can't afford to grab a coffee on my lunch break or even go out at the weekends. I'm trying my hardest to get by but it's having such an effect on me mentally that I feel like giving up and quitting my job all together to find something in a supermarket that's better paid.

Am I being unreasonable to ask them for help? I don't expect them to say yes, I'm expecting them to say no, but I feel like I'm at my wits end. I don't see a point in anything because I feel like I'm wasting my time working and not getting anywhere financially, I feel like I'm behind my peers and I just can't do it anymore

OP posts:
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Xenia · 11/09/2024 15:42

It's not particularly revelatory - if they are old and have a house in the SE anyone in two seconds of a google search can find out house values.

The SQE results are out so I hope the poster passed. (I paid for some of my children to do post graduate law exams and course and the youngest 2 qualified this year). The poster is correct that a lot of trainee lawyers are on the minimum wage and their firms do not pay the cost of courses.

HungryBeagle · 14/05/2024 17:15

bbqsalt · 14/05/2024 16:28

if they were surprised you’d even asked

imagine how they’d feel if they knew you’d started a threads on mumsnet, posted dozens of times, and even mentioned their net worth

pretty upset i imagine

Definitely worth mentioning 2 months after the thread was written 👍

bbqsalt · 14/05/2024 16:28

concernedchild · 25/03/2024 07:42

Just wanted to come back and say thank you to everyone who gave me supportive messages. A lot of it was in my head - my parents have commented multiple times that they're surprised I even felt like I needed to ask! I feel a lot, lot better mentally about everything because I feel like a huge burden has been taken off me. I'm making a study plan and making sure I have a balance of time off and time to relax. Thank you everyone 🫶🏻

if they were surprised you’d even asked

imagine how they’d feel if they knew you’d started a threads on mumsnet, posted dozens of times, and even mentioned their net worth

pretty upset i imagine

Primrose97 · 25/03/2024 17:02

I’m so glad you did the sensible thing and asked your parents for help, I’m Mum to two qualified professional people and, I think, like nearly all parents, I would have been really upset if they didn’t feel they could ask for help, it’s called Family! Every good wish for your exams and hope you end up earning an absolute fortune 💐

Feelingleftoutagain · 25/03/2024 09:58

I am a parent and if you were my child I would help you as much as I could, speak to them and explain and I'm sure they will help you. Good luck with your exams!

concernedchild · 25/03/2024 07:42

Just wanted to come back and say thank you to everyone who gave me supportive messages. A lot of it was in my head - my parents have commented multiple times that they're surprised I even felt like I needed to ask! I feel a lot, lot better mentally about everything because I feel like a huge burden has been taken off me. I'm making a study plan and making sure I have a balance of time off and time to relax. Thank you everyone 🫶🏻

OP posts:
IncreasinglyGrumpy · 24/03/2024 23:37

concernedchild · 20/03/2024 08:47

I'm 24, I live at home (I know this will attract a lot of criticism but I cannot afford to move out).

I earn £1300 a month after tax etc.

After saving for professional exams (I have to pay for them, I get no help from work) I'm left with £650 per month. Of this I have to pay for uni, all my own expenses and travel to work, as well as other savings.

I'm left with about £75 at the end of each month. From this £75 I contribute what I can to the house but it's not a lot. I feel like a failure. If my friends ask to meet up I have to say no because I can't afford it.

Travel alone is £200 per month. I can't make it any cheaper. Uni is £100 per month. My expenses aren't extravagant - I'm paying for my uni course, my phone, Spotify etc., I'm not spending hundreds on my nails or getting sun beds or anything like that.

I want to approach my parents and ask for some help with the exams but I feel like a total failure for even having to ask. The plan when I moved in after uni was for me to save up and move out, but I had to move company and took a pay cut. I can't relocate my job (I'm on a training contract and I'm unlikely to get another one).

I feel like I'm sinking. I'm working for basically nothing, I can't afford to grab a coffee on my lunch break or even go out at the weekends. I'm trying my hardest to get by but it's having such an effect on me mentally that I feel like giving up and quitting my job all together to find something in a supermarket that's better paid.

Am I being unreasonable to ask them for help? I don't expect them to say yes, I'm expecting them to say no, but I feel like I'm at my wits end. I don't see a point in anything because I feel like I'm wasting my time working and not getting anywhere financially, I feel like I'm behind my peers and I just can't do it anymore

Dont you worry about being at home at 24 - my eldest of 4 is 35 and has had to move back home - it doesnt bother me or his Dad it bothers him more I think but its just not going to happen with the enormous rental prices for sometime.
I am always keen to help my 4 if they need it and if I can. If I cant help then I can always lend ideas and support so ask Mum and Dad and give them the opportunity
Good luck and congratulations on all your hard work xx

Ponderingwindow · 24/03/2024 21:04

Op, I hope my dd is as sensible as you. If she came to me with a budget and asked for help with her education, I would happily help her.

there are plenty of feckless young adults sponging off their parents. That is entirely different than a young adult who is working hard on establishing a career and just trying to make ends meet.

Crazycatlady79 · 24/03/2024 19:54

Good on you, OP.

You sound as though you have your head screwed on and I hope are very proud of you.

Ignore some of the wicked responses you've had.

Wishing you all the best and DON'T cancel the concert!

Lula1000 · 24/03/2024 19:48

What's unreasonable is that you even have to ask! They see how hard you're trying and they should be helping you out while you're studying and working end of.

Lavenderblue11 · 24/03/2024 19:45

concernedchild · 20/03/2024 10:06

@Mrsttcno1 do you honestly think I should be going without everything in order to pay for these exams? I'm already sacrificing so much and cancelling these plans would genuinely wreck my mental health

What concerns me a bit OP is your username. Why call yourself "Concernedchild" ? Ffs, you're 24 years old, you're an adult! You're lucky to be able to live at home rent free whilst you are doing your exams, you're just going to have to tighten the belt and budget better. You are hardly going to be destitute or starving and you're lucky enough not to have to worry about household bills and the terrible cost of living. There are a lot of people who are doing Uni that are lot worse off than you.

CottonbudQueen · 24/03/2024 19:18

I must be missing something ! If any of my children were studying and struggling financially on a TC, I'd help them out if I could. Hopefully, they'll be earning very very well after qualifying. Isn't it more important to provide as much help now so that they succeed in their chosen career ? Glad your father was supportive OP. Not sure why you was afraid to ask a question. They could only say no. 😃Don't look at your friends. I'm sure you'll be earning way more than them in a few years. All the best

BusyGreyOtter · 24/03/2024 19:12

You do what you need to do stay with your family everyone is struggling at moment do what's best don't feel like a failure you are not things will get better ✨️

Islandgirl68 · 24/03/2024 11:10

I am so glad that your parents are helping you. Most decent parents would help their child in this situation. And you sound like a very hard working lovely women. I am so glad you don't need to worry anymore. Good luck with your exams, the hard work will be worth it soon.

Katerino4077 · 23/03/2024 21:56

Speaking as a parent - you're fine! Seriously. We want our kids to do well and you sound like you are... just a wee bit of a hill to get past, and that's where we step in. If your parents are ok, so can you be.

You're doing well.

MogMog59 · 23/03/2024 21:10

You should not feel a failure. You have done brilliantly well to get a TC in difficult circumstances - I agree that lots of smaller firms don’t pay for exams so ignore all the ignorant people questioning that. Honestly it will all be worth it when you qualify. Your income will eventually go up and in reality it’s not that far away. In the meantime, I would ask your parents for help and explain how you feel. I would hate to think my kids were worried about something and not telling me, and most parents will help if they can.

olivebranch31 · 23/03/2024 10:39

DarkGlassesAndHat · 23/03/2024 10:34

@olivebranch31

Be open and honest with them about everything and please don’t feel guilty approaching them

She did. Days ago.

So many people don't bother reading anything other than the first post in many MN threads, not even the OP's own posts. 😂

I said "money aside" meaning talk to them about how she's struggling mentally with it all if you'd bothered to read my reply.

DarkGlassesAndHat · 23/03/2024 10:34

@olivebranch31

Be open and honest with them about everything and please don’t feel guilty approaching them

She did. Days ago.

So many people don't bother reading anything other than the first post in many MN threads, not even the OP's own posts. 😂

olivebranch31 · 23/03/2024 09:33

Honestly some of the comments on this post. It’s not unreasonable for OP to want to be able to enjoy ONE concert, see their friends, or the odd coffee when they are being paid peanuts and spending all their free time studying for a solid career.

OP well done for having your head screwed on at such a young age and please remember this situation is temporary, think of how this will all pay off for you in the long run. Your hard work will set you up for financial stability in your late 20s which is a situation most your age can only dream of.

You are certainly not a failure but you are giving yourself an unnecessarily hard time. Outside of the practical advice, might I suggest you sit down with your parents, money aside, and just talk to them about how much you’re struggling in general. It’s such a stressful time qualifying to become a solicitor and the last thing you need right now is your mental health taking a turn for the worse.

If your friends are local perhaps your parents wouldn’t mind dropping you to see them, or having them come to visit you, covering your travel costs, treating you to the odd afternoon at a coffee shop, paying for little treats like concert tickets for you to look forward to.

Remember these are your parents, you are their child not their lodger and they want nothing more than to see you do well. Be open and honest with them about everything and please don’t feel guilty approaching them, I’m sure it would crush them to know you were struggling on your own.

Best of luck OP.

MeandT · 22/03/2024 23:53

@DriftingDora at a push, perhaps, "comprendriez vous?" Wonder what else you might, just possibly, have been a little too self-assuredly inaccurate about?!?

MeandT · 22/03/2024 23:41

DriftingDora · 22/03/2024 17:42

You could even find out what it means if you look it up....

If you looked it up @DriftingDora you'd find you'd conjugated it incorrectly by leaving the D in.

But every day's a school day, right? 😘

T1Dmama · 22/03/2024 23:02

I find it incredible how few parents on mumsnet would help their kids!!
my DD will always be welcome at my house… my home will always be her home when needed… if she ever needs money and I’m able to help I would!!
If she was doing a course like yours I’d pay for it if I had the funds… and I’d pay for her to meet friends too if it kept her mentally well!! She’ll never stop being my DD & while I want her to be independent I also want her to always feel she can ask for help!

TheRainItRaineth · 22/03/2024 19:23

DriftingDora · 22/03/2024 17:42

You could even find out what it means if you look it up....

If you looked it up, perhaps you could find out that it doesn't mean anything. In any language. Because it's wrong.

Nottodaythankyou123 · 22/03/2024 19:04

Donotgogentle · 22/03/2024 17:45

Good rule of lawyering OP - you don’t have to engage.

Will repeat this in my head whenever a client or the other side starts to get a bit aggy for no reason haha.

DriftingDora · 22/03/2024 17:57

HungryBeagle · 22/03/2024 17:44

You thought all solicitors are cross examined…

Wow, impressive! 😂

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