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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:
LoftyMintTraybake · 25/01/2026 08:43

Why not suggest a holiday with her and your siblings all together - hire a big villa with a pool. That way you can all share the responsibility for your Mum. Your mum is probably hoping to a)get chance to go away herself and b)for you all to make memories together, including your children so hopefully this would be a compromise between what she would like and still making it a holiday for you

Clarabell77 · 25/01/2026 08:41

rookiemere · 25/01/2026 07:34

I am not sure taking an elderly relative on holiday counts as caring responsibilities ( although it certainly wouldn’t be a holiday for OP).
With two SEN DCs she most likely already uses those days for their intended purpose.

It absolutely does in our policy, as you’ve stated, it’s not a holiday for her. Our policy was set up by employees who are carers to recognise and better support people with caring responsibilities - this is exactly the sort of dilemma carers face every day and usually have to make a personal sacrifice to support.

It would be up to the employee and their manager to decide how best to use the caring days and if she preferred to use them all to support her SEN kids then of course that’s her choice.

DeftGoldHedgehog · 25/01/2026 08:38

If you don't like your mum and can't get anyone to look after the kids then the answer is different, but personally as someone who works FT with two kids (one SEN) I went away with my mum for a short break every year for the last few years of her life. Yes, it was a holiday more focused around my DM's mobility limitations, especially in the final couple of years before she died, but we got on well and had some nice quality time together.

rookiemere · 25/01/2026 08:27

Sorry but I don’t think her DM is coming from a good place at all.

She clearly has a huge estate otherwise there would be no point in discussing IHT prevention and instead of being pleased that she has the opportunity to offer her DCs some money - particularly OP who provides her with support - she uses it instead to her own advantage to try to manipulate her into taking DM on a holiday that she chooses, using up precious annual leave that is needed for her own DGC.

pestowithwalnuts · 25/01/2026 08:27

Ophy83 · 24/01/2026 21:30

Does she like Agatha Christie? If so, maybe a mini break at Burgh Island

https://www.burghisland.com/hotel/

My Dsis was treated to this break as a suprise by her DH.
It was a huge hit...quite expensive but it was massive brownie points for her dh.

shouldofgotamortage · 25/01/2026 08:26

Sorry mum but I have 2 SEN children & dont get much hoilday allowance, it wouldn’t be much of a gift but I would love to do day trips with you.

yanbu at all. Sounds like hell.

KrimboBell · 25/01/2026 08:24

There’s some very swanky expensive hotels in Scotland ( think Traitors castle). Could you go and stay somewhere like that for a long weekend? Sell it to her that since watching Traitors you’ve had a burning desire to stay in a nice hotel in Scotland. Depending where you live, you could even fly there.

Scarydinosaurs · 25/01/2026 08:05

I think you need to insist on bringing paid help with you - even if you phrase it to her as being just for your kids.

Would a short cruise be a good solution to make it easier for her to get around?

Sympathy - it’s obviously coming from a good place from her, but it’s not a gift if you’re expected to “work” for it. Or aren’t allowed to say no!

Keroppi · 25/01/2026 07:58

Centreparks, villa, all inclusive posh hotels, Ireland
Ferry over to Normandy, isle of Wight, Channel islands etc. Jersey is nice
If she pays for your partner and kids or a group of you and siblings family to go it'll lessen the burden and you might actually be able to relax somewhat.

Otherwise maybe just ride it out and say work is too hard right now, sibling would love to go with you, if you ever needed a gift of her money it would be a new car for you all to have room in for days out or something practical for her. Or even what about she pays a family subscription to the local David Lloyd? Swimming pool for you all, lessons for the kids, soft play, tonnes of childcare while you work out and kids clubs. Lots of social events for her to go to and lovely coffee.. I actually think that would buy you more relaxing time outside of caring for her. Xx

OneNewLeader · 25/01/2026 07:56

AmazonDiamond · 24/01/2026 19:47

She doesn’t want to go with paid people. Her whole idea is that this is a treat for her children. But I don’t think any of us think it is. I could do 3 days. I don’t know where Filey is but that could work!

I’d handle it another way, an all inclusive, say IKOS, go as a whole family including siblings. You share the load (of her) and get a break. Plus the food, classes, amenities are fab.

MyDeftDuck · 25/01/2026 07:48

You have the conversation with her…….tell her you cannot take the time off, you have the children to consider but suggest that she employs a Personal Carer to accompany her on the holidays. That’ll soak up some of her wealth surely, and she’ll get to see the places she wants to visit

CurryTonite · 25/01/2026 07:40

I don’t know why people think paying for a holiday for someone else doesn’t count as a gift for IHT purposes, it does, it doesn’t have to be a cash gift. However if she’s worried about paying IHT and she was married and has children then she must have an estate of over £1 million, so she certainly could pay for her own carer to go with her.

We had similar with in laws inviting themselves on holiday with us to Cornwall, after politely trying to rebuff them we had to have a frank conversation that rural Cornwall wasn’t an ideal location for two people with mobility problems who frequently end up in hospital because they fall over, and we didn’t want to have to make the children wait everywhere we go while they hobble along slowly behind us, that wouldn’t be relaxing for us. They weren’t happy about it but they had to accept our decision, sometimes you just have to be frank with people if they don’t pick up your hints.

rookiemere · 25/01/2026 07:34

Clarabell77 · 25/01/2026 07:31

My employer offers days for caring responsibilities and this would be covered. Does your employer have anything similar, even do a long weekend?
Or
Can she not take your whole family on holiday? Plenty people include grandparents on family holidays.

I am not sure taking an elderly relative on holiday counts as caring responsibilities ( although it certainly wouldn’t be a holiday for OP).
With two SEN DCs she most likely already uses those days for their intended purpose.

Bethany83 · 25/01/2026 07:34

I meant FOCUS on the children at the end there.

Bethany83 · 25/01/2026 07:33

She should take you AND your children away on a holiday. And try to choose the most relaxing place where your children will be entertained as much as possible or appreciate it's hard with Sen children so where your mum can be relaxed and you can go us on the children. Try and think how this can work for you. Take my hat off to you, you are juggling a lot.

Clarabell77 · 25/01/2026 07:31

My employer offers days for caring responsibilities and this would be covered. Does your employer have anything similar, even do a long weekend?
Or
Can she not take your whole family on holiday? Plenty people include grandparents on family holidays.

MaryBeardsShoes · 25/01/2026 07:27

Agapornis · 24/01/2026 21:48

Your mother doesn't understand the IHT advice she's been given. She needs to give cash.

If she wants to pay for a holiday that she's going on, she can do that however many times she fancies. She can start with finding a travel insurer that'll take her on...

At 89, I think there is a bit more limit than “any time she fancies”

I would find this hard to turn down (if I had a mother who wanted a relationship with me). She wants to go away with you while she can. It’s surely not really about the money.

My mother is batshit, so I do appreciate “it’s your mum, you’ll regret it if you don’t go” opinions are sometimes not applicable. But it seems like you like your mother. That’s the impression I get from your posts.

Peridoteage · 25/01/2026 07:24

Why don’t you suggest a whole family holiday with your siblings and children and partners etc. Get a villa somewhere and she can pay 6k towards it and you all split the rest.

This would be ok if the other siblings were there and there could be a fair rota agreed so each gets more "holiday" time than "caring for v elderly mum" time

rookiemere · 25/01/2026 07:23

When you’re working with DCs, every day of annual leave is precious as it’s either needed for the long school holidays or illness or medical appointments.
OP has to prioritise the needs of her dependent DCs over the wants of her adult DM who has other holiday options.
The only way I would be prepared to go is with the family, if she doesn’t like that well she can ask her other adult DC.

But away with this only one week a year for poor old DM it could be her last holiday. Yes it could be but working adults simply don’t have a lot of spare time, particularly if they are already doing a lot for her on the other 51 weeks of the year.

Peridoteage · 25/01/2026 07:22

Ive been a slightly similar situation and simply explained that:

  • i already only have 6 weeks leave vs 13 weeks school holiday, and that a week away without my DC is simply a week of school holiday I now can't cover and its not that easy to sort childcare for because the various camps etc don't cover a working day + commute
  • a week away in term time is near impossible for DH to manage with me not doing my half of pick ups/drop offs/clubs.
  • i work full time and those 6 weeks with my DC are precious and I am not willing to use them on other people
Caughtletren · 25/01/2026 07:17

I suspect your mother knows full well that paying for a family holiday has no impact in terms of HMRC and liabilities whatsoever. But she’s dangling it as a way to coerce her children into holidaying with her.

Womaninhouse17 · 25/01/2026 07:14

DaisyChain505 · 24/01/2026 20:45

Why don’t you suggest a whole family holiday with your siblings and children and partners etc. Get a villa somewhere and she can pay 6k towards it and you all split the rest.

The mother could pay for the whole holiday without affecting IHT, and also give each child £6k per year. But that doesn't solve OP's problem. I get the feeling that a whole family holiday would not help at all.

ItsDdayalloveragain · 25/01/2026 07:14

I did this for my mum. It was awful. Came home absolutely exhausted and felt resentful about the whole thing afterwards. Don’t do it!! You will be working the whole time and you have children with special needs to look after. That was last year and this year she wants to do the same again - NO WAY. I want to create good memories with my mum and not bad ones. So this year I just said my time is very limited with annual leave and it’s just my family I will be going away with this year. She is disappointed, but I know (sadly) that I won’t be able to take her on holiday again.

Popcorn76 · 25/01/2026 07:08

I would take her up on it but only with the proviso that she pays for a large villa and a nanny and a carer to accompany you so everyone can have a proper break.

moose62 · 25/01/2026 07:02

I would just say that you would love a holiday if she can afford to pay for it but as you have very little holiday you would want to include your children and DH as well.

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