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AIBU?

Share your dilemmas and get honest opinions from other Mumsnetters.

AIBU to think that a gift isn’t really a gift if it’s being a carer on holiday?

210 replies

AmazonDiamond · 24/01/2026 19:34

My mother is quite wealthy and is 89. She’s in pretty good health on the whole but she’s got mobility and cognition (not dementia but age related decline) issues. Her financial adviser has recommended that to avoid 40% inheritance tax on her assets as much as possible, she should gift £6k a year (the limits to avoid the 7 year inheritance tax rule is £3k plus another £3k if it’s interest earned on investment and you can prove you don’t need it to live on). She has excellent pensions which give her an income far in excess of what she needs or wants to spend, 4 children and numerous grandchildren. So she could give away £6k a year no problem.

Instead of giving her children the money (and of course she doesn’t need to give it to us - she can give it to a charity or anywhere!) she says that she wants to use the money to pay for us to take her away on holidays. So her gift is us taking her away on holiday. Not all together but each of us taking her away in turn.

I work full time, have three kids (two with SEN) and a limited holiday allowance. AIBU in thinking this isn’t really a gift and is actually working?

For context, I do most of the day to day caring as she moved to be very close to me after my dad died 6 years ago.

She keeps badgering me about where I want to go. I do love her very much but this wouldn’t be a holiday. I don’t know how to say to her that I don’t want to take her on holiday without really hurting her feelings. I’ve suggested a series of day trips but she keeps pushing back with that not being very relaxing for me. She really has no idea that she is not at all relaxing to be with.

If anyone has any good ideas how I could say thanks but no thanks I would love to hear it. And I don’t want her money at all.

OP posts:
DaisyChain505 · 26/01/2026 07:28

AmazonDiamond · 25/01/2026 22:06

No, that won’t work and it’s not what she wants or is dangling.

Shes your mum you’re meant to be able to be open and honest with her. Just tell her that it’s not realistic for you to be able to go away with her one on one. I don’t know why you wouldn’t suggest going away with the kids, they’re her grandkids. But anyways you just say it’s not realistic due to your holiday allowance, the knock on effect of your DH having to take time off to care for the kids etc.

CinnamonJellyBeans · 26/01/2026 07:26

She wants you to spend your limited personal holiday time (and use up your husband's in childcare) with her instead of your own children?

Awful woman.

Just find a polite way to say no.

Caughtletren · 26/01/2026 07:14

ButIloveher · 26/01/2026 06:44

Giver her a break, OP has said she has cognition issues. She sounds extremely loving to me, just a little lacking in understanding. She’s nearly 90 after all!

It is a question, and somewhat influences one’s responses

Cherrysoup · 26/01/2026 07:11

If you are in England, please get her to check out the IHT issue. I’m pretty sure the personal allowance is £3K per person from a married couple. If your mum is on her own, it reduces to £1.5K. There are other rules re gifts for weddings etc.

imisscashmere · 26/01/2026 07:03

This reply has been deleted

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BigBrownBoogyingBear · 26/01/2026 07:02

AmazonDiamond · 25/01/2026 22:20

We’re very close. She’s just old.

If you’ve never been very close to a very old person you honestly have no idea. This is my third rodeo.

If no one in your family lived much beyond 70ish, you cannot comprehend. I come from a family of people who live a very long time. The youngest to die was 85. The oldest was 103. And this is on both sides! I have a lot of experience of elderly people and their demands/unrealistic expectations

I get it @AmazonDiamond. My parents are in their mid/late 80s with some age related cognitive and physical decline (although nothing officially diagnosed and both in good health for their age). Even taking them around the supermarket is an ordeal. I love them and we're very close but I miss the competent and vital people they used to be - even in their 70s - when holidaying with them was an adventure rather than an exercise in endurance.

All you can do is keep explaining about your annual leave/childcare situation. If you can get a luxurious long weekend in the uk booked next time you see her, it might stop the repetitive questioning.

EvangelineTheNightStar · 26/01/2026 06:48

HomeTheatreSystem · 26/01/2026 06:40

Because what you say and what other people (want to) hear are two different things.

This, people like ops mum will honestly be thinking they are a wonderful benefactor and that op and siblings are exceptionally grateful and pleased with the honour of being treated to a relaxing holiday!

Mapleleaf114 · 26/01/2026 06:47

SugarandSpiceandAllThingsNaice · 25/01/2026 00:45

I feel really sorry for her.
I know it’s work, but this is likely her last chance to see something new rather than the usual drive to a historic home and a cup of tea in the cafe that she’s seen umpteen times. She sounds bored out of her mind and wants to spend some one on one time with each of you doing something fun before the end.

I’d take her on holiday. Think of it as scouting for future family holidays.
You would get a break from the kids- travelling with one elderly adult for a week can’t be more work than full time work plus 3 young kids, two with SEN, for a week. You’d only need to dedicate 1 week a year for a few years.

When your siblings do the same, you’d get a break from caring for her on top of work and your kids.

It seems really important to her, she hasn’t much time left. I think you might regret it later.

Ok, waiting for you to call me sanctimonious too. If that’s how you feel, think on this you are role modelling for your kids how to treat you when you are elderly and all you want is a bit of travel before you kick the bucket but none of your kids will go with you because they’re too busy and you’re too much work and you can’t go alone as too old.

you advised op to have a break away from kids, especially as you say they are sen- OPs holidays are limited, the children who have their childhood only once and each year is precious,you think op after working through the year at work and outside the work as carer and already being away from her kids needs a further break from the kids so the kids also miss out on a holiday and memories with their mom?

If you are a parent you are a jerk to your kids if thats what you do.

HomeTheatreSystem · 26/01/2026 06:46

No idea but I feel your pain. She's very fixed on what she wants and can't take in or compute anything that runs contrary to that.

ButIloveher · 26/01/2026 06:44

Caughtletren · 24/01/2026 19:52

She really isn’t very nice if she’s not going to accept that her full time working mum of two children can’t drop everything to go on an extended holiday with her.

A loving mum would completely adjust her expectations to work around your availabiiity

Giver her a break, OP has said she has cognition issues. She sounds extremely loving to me, just a little lacking in understanding. She’s nearly 90 after all!

HomeTheatreSystem · 26/01/2026 06:40

rainandshine38 · 26/01/2026 01:22

Mum, that wouldn’t be a treat for the following reasons…

Why can’t people talk directly to each other these days?

Because what you say and what other people (want to) hear are two different things.

Mapleleaf114 · 26/01/2026 06:35

countrygirl99 · 26/01/2026 06:32

You clearly have no experience of telling a stubborn elderly parent what they don't want to hear. I'm on my 4th rodeo and can tell you between memory, deafness and "lala didn't hear that", it often just leaves the caring son or daughter extremely frustrated.

And then they get offended, followed by guilt tripping and silent treatment.

Mapleleaf114 · 26/01/2026 06:34

AmazonDiamond · 24/01/2026 19:34

My mother is quite wealthy and is 89. She’s in pretty good health on the whole but she’s got mobility and cognition (not dementia but age related decline) issues. Her financial adviser has recommended that to avoid 40% inheritance tax on her assets as much as possible, she should gift £6k a year (the limits to avoid the 7 year inheritance tax rule is £3k plus another £3k if it’s interest earned on investment and you can prove you don’t need it to live on). She has excellent pensions which give her an income far in excess of what she needs or wants to spend, 4 children and numerous grandchildren. So she could give away £6k a year no problem.

Instead of giving her children the money (and of course she doesn’t need to give it to us - she can give it to a charity or anywhere!) she says that she wants to use the money to pay for us to take her away on holidays. So her gift is us taking her away on holiday. Not all together but each of us taking her away in turn.

I work full time, have three kids (two with SEN) and a limited holiday allowance. AIBU in thinking this isn’t really a gift and is actually working?

For context, I do most of the day to day caring as she moved to be very close to me after my dad died 6 years ago.

She keeps badgering me about where I want to go. I do love her very much but this wouldn’t be a holiday. I don’t know how to say to her that I don’t want to take her on holiday without really hurting her feelings. I’ve suggested a series of day trips but she keeps pushing back with that not being very relaxing for me. She really has no idea that she is not at all relaxing to be with.

If anyone has any good ideas how I could say thanks but no thanks I would love to hear it. And I don’t want her money at all.

Your limited holidays belong to your family,your children and to make memories with them. Going on a holiday with an 89yo is noway a holiday for anyone going along, this is like carers work plus overtime.

countrygirl99 · 26/01/2026 06:32

rainandshine38 · 26/01/2026 01:22

Mum, that wouldn’t be a treat for the following reasons…

Why can’t people talk directly to each other these days?

You clearly have no experience of telling a stubborn elderly parent what they don't want to hear. I'm on my 4th rodeo and can tell you between memory, deafness and "lala didn't hear that", it often just leaves the caring son or daughter extremely frustrated.

twinklystar23 · 26/01/2026 06:31

Not sure if this would work, but a friend who's husband is very disabled went on a cruise. Their was a lot of help from the staff as other holidays she has found too much. There would be entertainment for the children though how appropriate that would be for their needs etc.

Just a thought, yes it would still involve doing caring to some degree but if others are doing some of the heavy lifting..I. Don't do a cheap one though, my friend went with P&O.

Caughtletren · 26/01/2026 06:12

AmazonDiamond · 25/01/2026 22:20

We’re very close. She’s just old.

If you’ve never been very close to a very old person you honestly have no idea. This is my third rodeo.

If no one in your family lived much beyond 70ish, you cannot comprehend. I come from a family of people who live a very long time. The youngest to die was 85. The oldest was 103. And this is on both sides! I have a lot of experience of elderly people and their demands/unrealistic expectations

As do i. Wish i didn’t, but i do.

And even if the relationship is 90 has naturally had to change, forced to really due to dementia, the relationship before the decline still holds strong in your mind, and I’m just wondering was she the type of mother who would have totally understood your predicament and been supportive and loving if you’d explained you can’t take a week annual leave with her?

Caughtletren · 26/01/2026 06:10

AmazonDiamond · 25/01/2026 20:22

She’s just really old. Unless you know any 90 year olds well, it’s very difficult to convey.

I do, and I’m very close to her.

i am just trying to understand whether you have a close and loving relationship with her..,, if not now, in the past?

watchingthishtread · 26/01/2026 05:49

The advice was to give you cash gifts to limit the inheritance tax you'll pay.
Instead of taking this advice she's decided to just spend the money instead. It's not the same thing at all. If she just wants to spend the money then she can do anything with it. She doesn't have to spend it on you (especially seeing as she's spending it on something you don't actually want).

rainandshine38 · 26/01/2026 01:22

Mum, that wouldn’t be a treat for the following reasons…

Why can’t people talk directly to each other these days?

ByQuaintAzureWasp · 26/01/2026 01:11

I think the advice your mother has been given is incorrect. You can make regular (monthly) gifts from excess income in excess of the amounts quoted as long as she can live on her remaining income.

PorridgeEater · 26/01/2026 00:02

Caring on holiday may be a holiday for the person being looked after, but for the carer it is simply working in a different place. Carer is still on duty all the time, probably with new issues to deal with and without the usual support systems. Maybe you have to have been a carer yourself to understand this.
Not entirely surprising that your mother is in denial about how much is involved in looking after her (especially in an unfamiliar place) - I've seen this before!

If you do decide to perhaps do three days you'd need to plan to make it as easy as possible on yourself - maybe have a sibling as well to share the load? Maybe a nice hotel so you wouldn't have to cook - or do groups like Saga holidays offer activities for elderly people so you could have some time off?

Endorewitch · 25/01/2026 23:34

AmazonDiamond · 25/01/2026 20:24

How lovely for you. I can assure you that’s not how I’ll feel as I’ve said in several posts but thanks for sharing your experience.

You won't know how you will feel when she has died. You may regret that you didn't do it. But I agree. A long weekend in this country is all she can expect as you have a busy life .

AmazonDiamond · 25/01/2026 22:20

We’re very close. She’s just old.

If you’ve never been very close to a very old person you honestly have no idea. This is my third rodeo.

If no one in your family lived much beyond 70ish, you cannot comprehend. I come from a family of people who live a very long time. The youngest to die was 85. The oldest was 103. And this is on both sides! I have a lot of experience of elderly people and their demands/unrealistic expectations

OP posts:
AmazonDiamond · 25/01/2026 22:06

freakingscared · 25/01/2026 21:01

How much help does she need ? And is 6k all the wants to pay , wouldn’t she pay for your children to go too ? I don’t know your children’s needs obviously but wouldn’t a all inclusive Villa , one of those that has your own help all day work ?
I think you should try and go , let’s be honest at that age she won’t have many holidays left

No, that won’t work and it’s not what she wants or is dangling.

OP posts:
freakingscared · 25/01/2026 21:01

How much help does she need ? And is 6k all the wants to pay , wouldn’t she pay for your children to go too ? I don’t know your children’s needs obviously but wouldn’t a all inclusive Villa , one of those that has your own help all day work ?
I think you should try and go , let’s be honest at that age she won’t have many holidays left