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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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8
sandyhappypeople · 20/03/2024 21:40

brilliant result OP, I'm so glad for you.

Tearsofamermaid · 20/03/2024 21:37

This isn’t meant to be patronising - you sound like a really sensible young woman who is trying her best. If I was your mum and had the means to help you, I would. Good luck.

StormingNorman · 20/03/2024 21:35

Mrsttcno1 · 20/03/2024 10:04

But saving for other things is a luxury you don’t have right now.

A concert ticket. Someone working full time and studying shouldn’t feel bad about wanting to enjoy themselves.

Lavenderflower · 20/03/2024 21:33

I have not read all the post but I am assuming you are studying for law - if my daughter was in this situation, I would happily help out. There is not harm asking for support. I think most parents would support their children trying to better themselves if they could afford it.

Beago1dfish · 20/03/2024 21:32

Some people are being super unkind to you OP. If you were my kid, I’d find the money to help you. Ask them. And, you’re not a failure. Life is hard and the stage you’re in is one of the hardest stages I’ve been through. I trained to teach at a time when you had to self fund. I only managed because of my parents. It’s literally what we’re here for. I hope they’re kind and understanding (NRTFT)

Isitovernow123 · 20/03/2024 21:28

concernedchild · 20/03/2024 20:14

@Runnerinthenight bless you for helping your kids! I felt awful asking for help but my dad summed it up in that it's less than any of my siblings have had and it's a really good cause

Just read through all your posts - you are working towards an achievable goal and you are working hard. They know that and want to support you. The fact they’ve gifted it to you is a bonus.

Chin up now and smile, hopefully be the last of you worries!

brightyellowflower · 20/03/2024 21:27

It's like reading 17 pages of not living in the real world.

mirl · 20/03/2024 21:26

I wish people would bother to read the full thread, or at least all the OP's, before wasting time commenting on a thread.

I'm glad it's sorted for you Op. It must feel like a weight is lifted for you.

ChateauMargaux · 20/03/2024 21:23

Find out why they have chosen to give your siblings money and not you.... Take what they have offered with gratitude and don't insist on paying it back. It sounds like your family is comfortably off and can afford to support you like they have your brothers. There is no point in suffering through your studies and waiting to split inheritance with your siblings at a time in your life when you are comfortable yourself. (I am projecting ... but it does seem that you have suffered through your studies while your siblings simply asked and your parents are happy to help)

JockTamsonsBairns · 20/03/2024 21:18

Muddywalks34 · 20/03/2024 09:20

I would absolutely help my daughters out if they were in your situation. It’s short term and you will be earning well soon. If they can’t afford to gift you they money they maybe able to lend you it. I would hate to think my children are struggling and afraid of asking for help. Whether your 5, 25 or 45 you will always be their baby, I am sure they will help you.

I wouldn't always be so "sure" I'm afraid.

I don't have much money, but I would give my adult DC the shirt off my back if needed.

My PiL's are the wealthiest people I've ever known - they own 14 BTL properties outright in London, and live in a £2.5m house...

4 years ago, my DH lost his job unexpectedly.

We had to move house into a rental. My DD's dance fees were due, and we couldn't afford the £45. I asked DH to ask his mum if she would help, given that it's her granddaughter, and that we would repay.
DH was reluctant, he said that she wouldn't help. I didn't believe him, so I asked her myself.

DH was right, she said no.
Apparently, we were "living beyond our means", so 8yo DD had to leave her dance class.

DH had a new job 5 weeks later, but it was a real eye-opener how some parents just won't help with costs temporarily - even when it's their grandchildren.

neilyoungismyhero · 20/03/2024 21:09

concernedchild · 20/03/2024 18:57

@MsCactus as I have said multiple times, and as many other posters have said. No. They are not. That's typical in small firms.

I should give up if I were you. I'm getting irritated by posters asking this same question multiple times don't know about you!

Bignanny30 · 20/03/2024 21:09

your not being unreasonable asking your parents for help. I’m sure they’ll want to help. I bet they’re proud of the way that you’re making something of yourself and they probably don’t realise how many expenses you have.

Nurselifex · 20/03/2024 21:05

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

Please speak to your parents. I had a similar situation whilst I was at uni, I really struggled financially and this had an impact on being able to see my friends and socialise, and within a few months it impacted massively on my mental health. My mum wasn’t in a position to help me out with money but when I spoke to her she was brilliant. It took a weight off my shoulders just having that conversation with her.

Please don’t give up. There is light at the end of the tunnel and you are doing this to better your future. This is not forever although it seems like it now. You’re doing amazing.

There could be some help financially with exams maybe? Could you speak with work about any financial aid if the exams are work related and required for the job?

If you’re feeling unwell please speak with your GP as they could offer some support?

Good luck with everything xxxx

Meowandthen · 20/03/2024 21:04

I haven’t read the full thread but I have read your posts OP.

pleased your parents are helping you out but a little surprised that they had noticed you were struggling and not having any social life at all. Even with work and study you need to kick back from time to time.

I wish you the best of luck with everything and hope you go on to have a brilliant career.

Wishicouldwhistle · 20/03/2024 21:02

Wishicouldwhistle · 20/03/2024 21:01

Please ask them for help, I’ve had help from my parents in the past when I’ve needed it and look forward to being able to help my children when they need it, it’s not a fail given the current COL crisis

Just read the update - that’s great

Wishicouldwhistle · 20/03/2024 21:01

Please ask them for help, I’ve had help from my parents in the past when I’ve needed it and look forward to being able to help my children when they need it, it’s not a fail given the current COL crisis

EwwSprouts · 20/03/2024 20:55

So pleased your parents were understanding and supportive. Good luck with the exams!

Sotiredmjmmy · 20/03/2024 20:50

Myotheripodisayoto · 20/03/2024 09:03

Im confused about your sums.

If its a first degree you should be able to access student finance.

If its the law school part after the degree, you are supposed to get a training contract and the firm pay the law school costs.

If no one was willing to give you a training contract, you've taken a huge risk paying the fees without the employment. If you've agreed to a training contract without them funding your LPC you are a fool, easily parted from your money.

There are too many law students around, the good ones who will survive, are not paying for their LPC themselves.

It’s not the LPC anymore, this is the SQE, it’s a different set up and many are paying for the exams themselves or at least parts of it. Just like many people paid out on the old system for the LPC too, but at least with the SQE their employment is now generally more fixed and not as short term as the old style training contracts.

Axx · 20/03/2024 20:43

I'm so pleased for you, I'd have done the same for any of my DC.

Good luck in your exams.

Winter2020 · 20/03/2024 20:34

Great update OP.
Enjoy a little bit of breathing space.

ABitBright · 20/03/2024 20:33

concernedchild · 20/03/2024 18:47

So they've gifted it to me and my worries were totally ridiculous

🥳🥳. That's a brilliant update. I'm so pleased for you. I hope you treat yourself to a few nice things.

Now you can get back to 'just' worrying about passing those exams without the added stress of finances.

Good luck. 😊

BuzzerCompany · 20/03/2024 20:31

I would be devastated if my kids didn't feel they could ask me.

Bluegray2 · 20/03/2024 20:27

@concernedchild

Yes, definitely treat yourself to a few small items, you sound like you have been very stressed!

CrappySack · 20/03/2024 20:18

What a lovely update OP. I'm so pleased your parents are helping you out. They must be very proud of all the hard work and sacrifice you are putting in.

Well done! It will all be worth it in the end ☺️

concernedchild · 20/03/2024 20:14

@Runnerinthenight bless you for helping your kids! I felt awful asking for help but my dad summed it up in that it's less than any of my siblings have had and it's a really good cause

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