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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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concernedchild · 22/03/2024 17:56

@DriftingDora I asked you to point out where I have been factually incorrect. You haven't. Have a good evening.

OP posts:
DriftingDora · 22/03/2024 17:54

concernedchild · 22/03/2024 17:48

@DriftingDora no, it hasn't. I do think you need to take some time off Mumsnet and perhaps go and touch some grass

Oh dear, a nerve has been touched here. Re-checking posts might be good for you? Always a good idea to check your story before throwing Teddy in the corner.

concernedchild · 22/03/2024 17:48

@DriftingDora no, it hasn't. I do think you need to take some time off Mumsnet and perhaps go and touch some grass

OP posts:
DriftingDora · 22/03/2024 17:47

Bluegray2 · 22/03/2024 17:42

@DriftingDora

you have to admit though that it is a very juvenile comment😂😂

you have to admit though that it is a very juvenile comment

Of course you are the arbiter in all things. And now I know it upsets you I'll refrain. Right. 😂

HungryBeagle · 22/03/2024 17:47

Donotgogentle · 22/03/2024 17:45

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

Very fair point. ‘Don’t engage with the loon’ is a message we should all heed.

Donotgogentle · 22/03/2024 17:45

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

HungryBeagle · 22/03/2024 17:44

DriftingDora · 22/03/2024 17:37

Oh, so you thought all solicitors were conveyancing solicitors, did you? You really do need to get out more.....

You thought all solicitors are cross examined…

DriftingDora · 22/03/2024 17:42

TheRainItRaineth · 22/03/2024 17:13

LOL at comprendez vous!

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

Bluegray2 · 22/03/2024 17:42

@DriftingDora

you have to admit though that it is a very juvenile comment😂😂

DriftingDora · 22/03/2024 17:41

Bluegray2 · 22/03/2024 17:03

@DriftingDora

not heard anyone over the age of 10 say comprendez vous in a very long time

Well, now you have. Every day's a learning experience for you (or at least I'd hope so....)😄

DriftingDora · 22/03/2024 17:39

concernedchild · 22/03/2024 14:23

I do find it funny that @DriftingDora hasn't come back with examples of where I've been "factually incorrect"

How many more times? This has been answered, keep up, dearie.

DriftingDora · 22/03/2024 17:37

HorsesDuvets · 22/03/2024 14:40

Hmmm... you have a point...

Solicitor 1: "It is an irrefutable fact, is it not, that my client was reasonably expecting the flowery 1970s curtains in the downstairs cloakroom to be included in the sale?"

Solicitor 2: "Objection! It has not yet been established in which decade said flowery curtains were purchased!"

Oh, so you thought all solicitors were conveyancing solicitors, did you? You really do need to get out more.....

DriftingDora · 22/03/2024 17:35

concernedchild · 22/03/2024 12:32

@DriftingDora please point out where what I said was factually incorrect? It wasn't.

Happy to do so - and have already posted my response to your post accusing me of something I hadn't said.

DriftingDora · 22/03/2024 17:33

concernedchild · 22/03/2024 16:45

@DriftingDora I've answered you and you've ignored me!!

Wrong again! You haven't 'answered'. In some selected cases you've answered the bits you wanted to answer and ignored other points, information has been corrected later, and a comment made that could not be substantiated. Full and frank disclosure?😄

TigBitss · 20/03/2024 08:52
It's £7800 a year for your exams?

concernedchild · 20/03/2024 08:54
They're about £5000 - but I keep having unexpected expenses. My laptop broke, which I need for uni, I'll have to pay for hotels etc (the second set of exams are only in london, Cardiff, Birmingham and Manchester, and there's no guarantee that my first set of exams will be local because the system is messed up) so in total I'll need about that amount for travel to the exams, being in the city for the exams etc., but I don't want to ask my parents for the full amount

concernedchild · 20/03/2024 17:01
@DriftingDora the SQE is very popular and frankly oversubscribed. There is no guarantee I will end up at a test centre within 100 miles of my home.

I was aware of the costs. As I have said multiple times before, I was not aware that the firm I was with would close, and I would be left taking whatever was available to me.

Drifting Dora 20/03/2024 17:11
Doesn't really answer my questions, does it?

concernedchild · 20/03/2024 17:11
@DriftingDora it does. I live in a small town, a train ticket can be £50/£100. I may not be at an exam centre close to my home, so may need hotels etc. the exams are spread over two days (and in two weeks) for the first exam and over 3 days (again spread out over a number of weeks) in the second exam period. That could end up costing me £1000.

Study leave is unpaid, so I will be losing pay for each day of study leave, but still having to find the money for the exams and travel.

You can think I'm trying to swindle my parents out of £5k, but I'm not. I've presented a repayment plan and I'm happy to sign a loan agreement.

You can think I'm trying to swindle my parents out of £5k, but I'm not.

DriftingDora · 20/03/2024 17:25
You can think I'm trying to swindle my parents out of £5k,

Er, where exactly did I say this? Please tell me - but of course you won't be able to, because I didn't. 🙄

If you are training to be a solicitor, you will be asked much more searching questions by the other side, so it might be an idea not to jump to wrong conclusions or put words in people's mouths. That won't end well.

TheRainItRaineth · 22/03/2024 17:13

LOL at comprendez vous!

Bluegray2 · 22/03/2024 17:03

@DriftingDora

not heard anyone over the age of 10 say comprendez vous in a very long time

concernedchild · 22/03/2024 16:45

@DriftingDora I've answered you and you've ignored me!!

OP posts:
DriftingDora · 22/03/2024 16:40

XelaM · 22/03/2024 14:22

I think you watch too many TV dramas.

I'm a Solicitor (in dispute resolution) and I'm not being cross-examined by anyone on any regular basis😂

Some people have a very distorted (and quite frankly incorrect) view of what solicitors do (even in contentious areas).

And not all people on here who SAY they are solicitors actually are - comprendez vous?😄

DriftingDora · 22/03/2024 16:39

TheRainItRaineth · 22/03/2024 14:06

She doesn't have to reply to you at all. This is a message board, not a court of law.

Teddy is in the corner! 😅 If you want people to offer advice it's preferable to give factual information at the beginning. And not replying when asked a question rather speaks for itself.

Nottodaythankyou123 · 22/03/2024 15:41

HorsesDuvets · 22/03/2024 14:40

Hmmm... you have a point...

Solicitor 1: "It is an irrefutable fact, is it not, that my client was reasonably expecting the flowery 1970s curtains in the downstairs cloakroom to be included in the sale?"

Solicitor 2: "Objection! It has not yet been established in which decade said flowery curtains were purchased!"

Presumably in this scenario the judge has a gavel too?

HorsesDuvets · 22/03/2024 14:40

HungryBeagle · 22/03/2024 14:34

It made me laugh too. The thought of a conveyancing solicitor (for example) being aggressively cross examined on a regular basis.

Hmmm... you have a point...

Solicitor 1: "It is an irrefutable fact, is it not, that my client was reasonably expecting the flowery 1970s curtains in the downstairs cloakroom to be included in the sale?"

Solicitor 2: "Objection! It has not yet been established in which decade said flowery curtains were purchased!"

HungryBeagle · 22/03/2024 14:34

XelaM · 22/03/2024 14:22

I think you watch too many TV dramas.

I'm a Solicitor (in dispute resolution) and I'm not being cross-examined by anyone on any regular basis😂

Some people have a very distorted (and quite frankly incorrect) view of what solicitors do (even in contentious areas).

It made me laugh too. The thought of a conveyancing solicitor (for example) being aggressively cross examined on a regular basis.

concernedchild · 22/03/2024 14:23

I do find it funny that @DriftingDora hasn't come back with examples of where I've been "factually incorrect"

OP posts:
XelaM · 22/03/2024 14:22

DriftingDora · 22/03/2024 12:16

Sorry so many of the messages on here were cynical and unsupportive.

This is not wholly true. People were legitimately asking questions that were relevant and needed for clarification, and some important bits were not stated in the original post. And as far as the response I received from the OP is concerned, it was defensive and factually incorrect based on no evidence whatsoever - not a good look if you are aiming to become a solicitor, nor is losing your rag so easily. I pointed this out and have received no response.

I've said this before but the OP will face much tougher questioning from the other side when she qualifies and is representing a client. Fact. People don't just read what someone's written on here and agree with them, you know!

I think you watch too many TV dramas.

I'm a Solicitor (in dispute resolution) and I'm not being cross-examined by anyone on any regular basis😂

Some people have a very distorted (and quite frankly incorrect) view of what solicitors do (even in contentious areas).

CillaDog · 22/03/2024 14:18

You can't do any harm in asking. If they say no look at other options.

I'm not studying law but I was in a similar position as I am finishing my masters in social work. The first year my parents had to help me with my living costs as I was in uni 2 days a week, placement 3 days a week, working one day a week, and doing coursework on the last day. I managed to receive a bursary but that meant I couldn't take a loan and the bursary amount didn't cover the fees (even with a 10% discount which I had!)

My outgoings were huge as I had fees, petrol, car, business insurance and that didn't even include any of my books or tools or food etc. I was also living with my parents for the first year as well whilst we were decorating our flat.

I was really grateful and I'm now 6 months off qualifying after 2 years. Even when I qualify I won't be earning thousands of pounds but it's my passion and my parents wanted to support me.

It is SO hard to pursue a career sometimes but there is no shame in asking for help. No matter how hard it is.

Congratulations on pursing your career and having a training contract. I hope it works out for you!

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