to ask for my mum for help?

[Whataloser]

We are meant to be going on our family holiday in 4 weeks time.

I thought the balance of £400 was due 28/6 it was infact due 18/6. Holiday company are giving us until the end of tomorrow to pay or we lose the booking.

Kids have been counting down to this holiday since we booked it in January.

The idiot I am I thought perfect 28th is payday pay balance go on holiday. We don't have £400 in the account today.

I'm in tears over my stupidity and have said to dh that I'll have to ask mum to loan us the money until payday. She is in a position to be able to do so, we will just hear forever and a day how bad with money we are (she has a valid point!!!) as we know that's what she does every time my siblings ask for money, which is why we never ask.

DH says it's not worth it, our mistake, the kids will survive without a holiday, holidays are not the be all and end all. But whilst this is true, they are so looking forward to it, and they've had the year from hell so a holiday would be good for them.

AIBU to ask my mum for the 9 day loan?

Of course not. It's not a request for a gift - just a cash flow problem.

Well presumably you will lose your deposit if you don't pay the £400. Ask your mum and just let her lecturing go over your head :)

dont be daft.. just ask. You are not asking for her to GIVE you the money.. just lend it for a few days due to an oversight!

It's a misunderstanding, not your inability to manage money. It would sad of you couldn't go on hols. Ask your mum! She'll be paid back in nine days anyway ...

Id borrow. As long as you pay it back straight away it wont be a problem. Its not worth losing the holiday over.

Ask ask ask, anyone can make a mistake, either listen to her ticking you off or listen to your kids in tears, of course they can do without a holiday but they've already been told they are going on one and will be naturally v disappointed

Yes of course you should ask your mum. Mums should help their children out in such situations. And yes she will probably go on about it but so what? That's another thing mums do. I'd be very cross with my DSs if they lost a big deposit because they were daft enough not to ask me for a loan.

Definitely ask.

But is there not an option to go overdrawn or put it on a credit card or something?

Ask. Who knows, she may surprise you.

But if she hesitates or says no, change the subject quickly. Move on, and get the credib/loan from somewhere else (where there's a will, there's a way).

My mother sounds like yours and I would not give her the satisfaction tbh.
I?d ask for a temporary overdraft or put it on a credit card.
Or I?d give the holiday company as much as I could today and beg them to let you have till the 28th to pay the rest (it can?t be in the holiday company?s interest to have the hassle of finding someone else to buy the holiday for the sake of waiting a week).

Also happy to be told to mind my own business, but have you budgeted for next month with £400 down on what you normally have? The last thing you want is to be short again at the end of next month.

If your DH strongly disagrees with asking your Mum, I can understand why you are being hesitant. Does he have any other reason for disagreeing with it? Getting a bit of nagging occasionally doesn't seem like a good enough reason to mis out on a holiday and upset your children.

If you'll never hear the end of it, could you first ask your other siblings on the understanding that you'll pay it back on 28th? Or contact the bank right now and ask if you can have an extention to your overdraft/credit card limit until 28th? Hit the phones now, if you have no other option, ask your mum, but if it's going to make you/your DH unhappy putting up with smug comments about how silly you are with money for months, then it needs to be the last possible option.