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Elderly parents

Elderly parents and finances…

60 replies

itscomplicatedagain · 17/09/2025 18:24

My parents are late 70’s and 85. In fairly good health and reasonably comfortable financially.

My main concern is how my mother will cope when my father dies.
She’s incredibly dependent on him to manage finances and things like central heating controls, driving, turning the TV on and off and other basic tasks as she finds it too complicated. I don’t think she has any cognitive problems but it’s a combination of laziness, anxiety and enjoying being looked after by my father. She has always been the queen in their relationship.

Their adult children including me, tiptoe around her as she can be volatile, and stubborn and always has been. She is a black and white thinker and incredibly lacking in self awareness.

She told me recently that she has no wish to learn anything about her finances but that I will have to sort it out for her when my father isn’t around.
My other siblings aren’t as local to them as me apart from a brother who has a high flying career and is and therefore ‘too busy’ to help- my mother’s words.

I’m a single parent with 3 children and two of them have additional needs and I work 4 days a week.
I feel resentful about her assumptions and frustrated by her refusal to take any responsibility. I feel I don’t have a choice but to step up when the time comes. How do others manage the resentment? I feel selfish but I do help them out with small tasks already and make an effort to see them at least twice a week. I also take them on holiday sometimes.

OP posts:
MermaidMummy06 · 17/09/2025 22:20

My DM is similar. Been a lady of leisure her entire marriage & has no idea if anything. This is partially DF's fault as it's suited him to be free with the money management.

I already know we're going to have to untangle DF's messy finances, sell the house to repay a 250k debt to a wealthy family member (DF lost all their money). Then figure out if there's enough left to house DM, manage her money, bills etc & govt pension, pay her an allowance, and look after getting her around as she won't have a licence by then. Her DM lived to 101 & she looks to be the same. DB is too busy having a lifestyle to help out. DF is still alive, but older & very frail.

I'm resentful as hell, mostly because she did zero for us growing up & I'm expected to spend the equivalent of the time she should have spent looking after me ensuring she doesn't have to be bothered looking after herself. Can't bow out, unfortunately.

user9064385631 · 17/09/2025 22:16

I think to some extent, most very long term relationships have elements like this. We each have our jobs - I do the bills, finances etc, but have no idea how to turn the TV on! To quote Mackenzie Crook, “its a complicated process with three remotes that I’ve never got to grips with” we are only 40’s/50’s.🤣
I think this is the type of issue that you shouldn’t worry about too much - it might never happen, and most likely other issues will cause you more grief. If it does work out how you’re dreading, a PA type person is a good suggestion.

cupfinalchaos · 17/09/2025 22:07

I’m ashamed to say I’m the same.. although a lot younger, and I let my dh do everything. It’s laziness and there’s no other excuse! I’m aware though that as I get older I’ll have to be doing more as i don't want to put it on my kids..

LargeChestofDrawers · 17/09/2025 21:50

My mother is the same. Takes no responsibility for anything.

PhaseFour · 17/09/2025 21:38

I can totally relate to your post, OP - is could have written it myself.
X

itscomplicatedagain · 17/09/2025 21:26

Thanks for the suggestions of hiring a PA and telling her now I won’t be able to help a lot.
My father doesn’t like to rock the boat and at 85 it’s anything for a quiet life.
luckily I got their wills and POA sorted a few years ago.

I think it’s the entitlement I find hard. She may well die before him but it’s sadly more likely he will go first being 8 years older.

OP posts:
thesandwich · 17/09/2025 19:04

Have they got wills and poa in place?

Bonbon21 · 17/09/2025 18:35

I think you need to be totally upfront and tell her you have enough on your plate and simply won't be available to handhold her through the rest of her life when your father dies.
There will be kickback I am sure but she now has time to sort herself out and either get her act together or rope in your siblings.
I would also have a word with your father...

Thejollypostlady · 17/09/2025 18:33

Your mum may well die before your dad.

Harriet9955 · 17/09/2025 18:30

Maybe she could hire a PA through somewhere like Age UK. Obviously that won't help with things like the TV channel but for an hour or so a week to keep on top of finances it would not cost a lot.