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Dm fretting about winter fuel. Says will freeze

114 replies

Summertimesadnessie · 28/08/2024 09:47

To set the scene, My mother is a widow. She is a complicated woman and we have a complicated relationship, she was very cruel to me as a child and teen, but we’ve somewhat moved passed this on a don’t ask don’t tell, don’t discuss the past basis.

she is saying she will be hit hard by the winter fuel allowance cut. Very hard. She says at winter she sit in the freezing cold as she cannot afford to heat her home. She has no money, she cannot afford it.

except, she does and she can. And I can’t understand why she’s claiming she can’t. She has a large 4/5 bed house, no mortgage. Has single occupancy reduction on council tax and works part time. Her take home after tax is £3,300. Her expenses are £1,700. She drives a £500 a month car. The caveat there is this is the expenses I know about, council tax, health insurance, bills, food etc. She does not gamble nor drink.
But she is very cagey. She will not work through a budget with me or show me her bills. She also has another house, that sadly she’s just left to rot because she won’t do anything with it, so if she did need capital there’s at least 60k there.

I can’t work out if it’s necessity that she needs the winter fuel or if it’s a nice to have that she’s going to miss, because who wouldn’t want extra cash.

any tips on getting the crux of this?

OP posts:
AnnaMagnani · 28/08/2024 16:15

It's like they absorb the message 'I am a pensioner, pensioners are poor therefore I am poor'

Bjorkdidit · 28/08/2024 16:15

It's very much a thing. I've seen it loads of times. People in mortgage free houses with good pensions and loads of savings complaining about not being able to afford X, Y or Z because it costs more than it did in 1980.

Half the time their disposable income is huge and they can afford the basics and a good amount extra without worrying.

Solonga · 28/08/2024 16:16

I would just ignore her

Andthereitis · 28/08/2024 16:17

Some of it is that people save for a rainy day and it can be absolutely pissing it down but they don't realise.
We're told to save for our old age, but when is old. What if you spent it all and have nothing?

Frith2013 · 28/08/2024 16:17

I don't mean this in a horrible way at all but you sound far too involved. If she is working she must be able to get around, speak to people, use the phone and so on.

She is capable of making her own budget or popping to the Citizens Advice Bureau for someone to help her.

You've offered. Now leave her to it.

Notreat · 28/08/2024 16:19

She just sounds like someone who is complaining because she thinks something has been taken away from her. I would ignore her. She can afford to heat her home.

BananaSpanner · 28/08/2024 16:21

Just don’t engage with her about it beyond “your income is more than mine mum and I’ll manage, I certainly won’t be letting myself freeze”.

TreeOfLives · 28/08/2024 16:27

This reply has been deleted

This has been deleted by MNHQ for breaking our Talk Guidelines. Previously banned poster.

countrygirl99 · 28/08/2024 16:32

Sounds like my mum who won't use bin liners because they are "so expensive" and then moans about stuff stuck to the bottom ( on the odd occasion that she notices). Her work pension covers all her expenses so her state pension just increases her savings each month.

MotherofPearl · 28/08/2024 16:42

eggplant16 · 28/08/2024 15:57

Really? I'm hurtling towards that generation and I got nothing, ever.

What do you mean please?

The post-war generation benefitted from a massive surge in social mobility and have accumulated huge wealth. Of course not that doesn't mean every single person of that generation is in that position, but as a group, they are extremely fortunate. And successive governments have bent over backwards to protect this wealth, with things like the triple lock.

You can read an article about it here:

https://www.economist.com/finance-and-economics/2024/05/26/baby-boomers-are-loaded-why-are-they-so-stingy

Illustration of a hand holding a coin purse with a twisted and locked clasp preventing it from opening.

Baby-boomers are loaded. Why are they so stingy?

The mystery matters for global economic growth

https://www.economist.com/finance-and-economics/2024/05/26/baby-boomers-are-loaded-why-are-they-so-stingy

MotherofPearl · 28/08/2024 16:47

Sorry, should have said that the article also puts forward the idea that that generation are stingy, which chimed with the OP's post.

Comedycook · 28/08/2024 16:49

The generation before the boomers were those who had known real hardship and made a real sacrifice fighting in ww2
..when I was a child there was a sort of total blind respect for any older person because of the war. The boomer generation kind of still expects this yet have had a comparatively easy life.

user1471538283 · 28/08/2024 16:53

If she's anything like my late DM she wants you to pay it for her. My DM constantly moaned about money when we weren't NC. Yet she bought her groceries at M&S, bought clothes she never wore, lived in a very affordable apartment and never went anywhere. I always thought what she meant was she missed my DFs income. Oh well ..

Take no notice and let her work it out.

gamerchick · 28/08/2024 17:07

AnnaMagnani · 28/08/2024 16:15

It's like they absorb the message 'I am a pensioner, pensioners are poor therefore I am poor'

I kinda thought that. They hear it so often, so therefore it must be true.

StormingNorman · 28/08/2024 17:12

This is a continuation of the emotional abuse.

She has money to pay for fuel. Don’t let her make her cold house your problem.

JockTamsonsBairns · 28/08/2024 17:25

I'm a carer for very many wealthy elderly people. The loss of WFA has been a hot topic for the past few weeks. Much indignance about having 'paid into the system' - even if they haven't.

Summertimesadnessie · 28/08/2024 17:31

JockTamsonsBairns · 28/08/2024 17:25

I'm a carer for very many wealthy elderly people. The loss of WFA has been a hot topic for the past few weeks. Much indignance about having 'paid into the system' - even if they haven't.

This is it!

that was her thesis having paid into the system, there was a good chunk of time she ran a business and declared no income so even that is strictly not true

I think a huge part is like PP said she misses DFs income which had their joint income as about 5.5k + so in her mind she’s at least 2k down

OP posts:
MotherofPearl · 28/08/2024 17:41

https://www.resolutionfoundation.org/comment/the-system-has-worked-for-boomers-at-every-stage-of-their-lives/

This debunks the 'but we paid into the system so we deserve it' myth.

CitronellaDeVille · 28/08/2024 17:46

MotherofPearl · 28/08/2024 16:42

The post-war generation benefitted from a massive surge in social mobility and have accumulated huge wealth. Of course not that doesn't mean every single person of that generation is in that position, but as a group, they are extremely fortunate. And successive governments have bent over backwards to protect this wealth, with things like the triple lock.

You can read an article about it here:

https://www.economist.com/finance-and-economics/2024/05/26/baby-boomers-are-loaded-why-are-they-so-stingy

Interesting.

I was born in the Baby Boom, I am retired on basic state pension and a very modest private pension - I am not wealthy, I have my modest house for which I will need to be responsible for boiler repair, new roof, regular maintenance etc.

I am thrifty - and spend much less even of my modest pension than my pension advisor says I could,

These are my reasons for being 'stingy':

  1. It is frightening knowing that what you have now is finite. No more income. I spend a lot less than when i was working.
  2. I have lived through the 2008 crash. I don't trust my pension to hold its value. It's defined contribution so can't be relied on.
  3. I come from a long-living family. I don't want to spend all my money and be left with nothing or on benefits
  4. I didn't live through the war but I grew up with habits embedded in the war. My Mum would never have dreamt of spending money on ready mixed Ribena (or in fact Ribena) or bought cakes, packaged sandwiches, let alone takeaway coffees. I was brought up enjoying cost-free fun. I was a Mum with a full time job but was aghast at the pre-made stuff that filled supermarket trollies for packed lunches. I cook very good but thrifty food from scratch - I have more time to do that now, so am not extravagant.
  5. Ditto leisure activities. I don't need expensive stuff to have a great time, and shy away from spending that is beyond function. See above as upbringing in the shadow of post war
  6. Meanwhile my Dc will have it hard, paying for a home, bringing up kids, so I am being 'stingy' to leave what I can for them. Can't afford to give it away yet, but I was an older Mum, and I'd like to think I can help them out a bit with some modest estate.
CormorantStrikesBack · 28/08/2024 17:50

If she earns that much from a part time job she’s obviously an intelligent woman who is capable of budgeting sums. I’d leave her to it. Don’t get dragged into the conversation. Smile and nod, make sympathetic noises.

CormorantStrikesBack · 28/08/2024 17:56

And I agree that this sort of attitude isn’t uncommon and fully accept the fear of being a pensioner feeds into it.

out of interest why does she still work? Does she think she can’t afford to stop? The £500 a month car is bonkers, I’ve never paid that much for a car and have had decent, reliable cars. She could halve that and spend the rest on fuel and be toasty.

15 years ago before she died my mum was like this. Had a good teachers pension, state pension, no mortgage, savings and shares. Used to moan no end about being poor. And then buy a new kitchen! But I think a lot of the time she was genuinely worried

eggplant16 · 28/08/2024 18:00

I suppose some so called boomers may have done alright. Others not.

Noseybookworm · 28/08/2024 18:08

Tell her to sell her other house if she doesn't have enough money 🤷‍♀️ and she can always downsize to a smaller 2 bed house if she wants smaller heating bills!

supercalifragilistic123 · 28/08/2024 18:09

It blows my mind that her income is nearly our entire household income and she would previously have been entitled to such a handout.

I don't think the older generation understand how good they've got it.

Josephinesnapoleon · 28/08/2024 18:11

supercalifragilistic123 · 28/08/2024 18:09

It blows my mind that her income is nearly our entire household income and she would previously have been entitled to such a handout.

I don't think the older generation understand how good they've got it.

It’s because it would have cost more and been very complex to means test, so they gave it to everyone, same for labour , it costs too much to means test, so they took it off everyone unless on pension credits.