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AIBU?

Share your dilemmas and get honest opinions from other Mumsnetters.

It's not in the will but...

229 replies

JillCrewe · 30/04/2015 15:32

... this is doing my head in. I think I am bu....here goes.
I am a widow with 3 young DC, and both my parents died before and shortly after DH. His mother died days before he did; his dad died long ago. So DD, the eldest (DS was a baby) had all this death and visits to hospital and caring for terminally ill people to endure.
I am broke in cash terms, living in small terraced house working pt. I invested the money late DH inherited in another similar little house which I rent out; I want my children to inherit something. I don't really see this as my money. So to many people I am probably rich tho' I do have lots of loans to pay.
The bit I cannot cope with is my BIL, who has no children and no living relatives apart from my children. He refuses to help me out in any way whatsoever, and now lives a comfortable semi-retired life, benefitting also from a huge inheritance from a childless godparent. Think 4 bed executive home, new car, lots of foreign holidays a year, new kitchen, garden relandscaped etc.
Just 2% of the inheritance from his parents, my DC's Grandparents, would lift me out of my overdrafts (not the mortgage and loan) and help see me through to when my son starts school and I can increase my work hours. I am permanently exhausted, pay over half my salary on childcare, and am trying to survive financially on less than one quarter of our income when DH was alive.
DD was very traumatised; I try so hard to keep her spirits up. She has loves riding, and so that it was she does, but none of these things are cheap.
I know I should not expect BIL to feel under any obligation to support his late brother's family. But he takes no interest in the children (also his godchildren) and their ups and downs, and further has told me categorically never to expect help from him. Yet he expects to see them each school holiday and I promised dying DH that I would not alienate the children from his brother.
We didn't see him last holidays because in reply to his suggestion that it was time to meet, telling us how LUCKY we are, I told him we didn't have luck and we are broke and luck would be some financial assistance. He hasn't contacted us again.
I feel such a failure. But I can't get out of my head that morally he should help us, because he can. I'm not asking for his hard earned cash. Just some recognition that my children did not have any provision in the will and he has the power to change that. So please tell me I have no right to expect financial support from him, and the notion of more wealthy family members helping out poorer ones died 100 years ago.
I never treat myself, no hair cuts, no alcohol, everything goes on the children. I was even given a bottle of wine by someone I had helped, and guess what, I gave it to him as a birthday present when we last met. There's so much more horribleness, from him, but right now I am stuck with the promise I made DH and the sheer falseness of the situation.
Did you really read all that?!?

OP posts:
Wombat22 · 30/04/2015 19:01

Sorry for your loss but yabu.
Surely it would have made far more sense to pay off your debts/loans and invest some money in trust for each of your dc rather than buy a second house.
Your bil does not owe you anything and it's quite rude to ask him imo.

SoldierBear · 30/04/2015 19:05

Please don't send that letter to your BIL.
He has one house - you have two. There is nothing unfair about your situations. He has made his decisions and you have made yours. Only yours isn't working out. You have the solution and it does not involve expecting your BIL to give you any percentage of his inheritance.
Sell the BTL and clear your debts and then take some time to decide what to do with the rest. Give your children positive experiences NOW rather than thinking "they will get £X when I die" because life doesn't always work like that. My DM thought like you, she scrimped and saved and when there were times I could really have done with some help, I never asked - because it was to be "inherited".
And now DM is in a care home. The house has to be sold to pay for this and her savings also have to be used. SO there will be nothing to inherit. that could happen to you. Is it really worth all this stress for the idea of an inheritance for your children?
You also have two DC. Do you plan to leave them different amounts when you die depending on whether or not they have children? or will you treat them the same because they are both your children and you love them the same?

lunar1 · 30/04/2015 19:06

Death isn't a bloody competition, I lost my first husband when we were so young. What his brothers and parents went through was horrific. It is different because we are all individuals but it's not a fucking competition.

shewept · 30/04/2015 19:07

I think the op isn't answering questions because there is more to this.

The bil didn't want the money to go through her.
She has assets she isn't willing to give up, even though she is struggling
She has lots of debt
He is refusing to give her and her children and financial support.

It says to me that he thinks she isn't responsible with money or there has been issues between op and bil

OP How long ago did your dh pass away?

AlwaysWashing · 30/04/2015 19:12

I think you should sell the other house, pay your debts, clear your lines so to speak and start again.
Your children will benefit more from having a less stressed, run down Mother in the present more than they would a future inheritance. You can build up an inheritance again, you still have the house you live in, as this is obviously important to you. You have seen first hand how short life can be, try to focus on what is happening and needed right now
You are probably BU to EXPECT bil to help you financially but we all know if he was a half decent man he would have already offered even if only in a small practical way

DragonWithAGirlTattoo · 30/04/2015 19:16

Yes its horrible what you have gone through, but remember all the stress you are carrying, all the time you are trying to work, and you cant afford petrol and food etc that you have an asset you can sell, and stop all of that! your children will notice it, and will look back on their childhood with a lot of sadness and maybe even bitterness (talking from someone who has been there and still cannot understand why my parent felt it was more important to hold on to an asset than look after their DCs)

Kitsmummy · 30/04/2015 19:23

I am sorry for your losses, but you had half of the estate, you have a second house and it's just really greedy to expect your BIL to fund you due to your choices and your inadequate life assurance on DH.

You really don't need to be in this mess, you have a way out of it. I cannot imagine what you have been through but you are now making it harder than it needs to be.

Do not email BIL and do give up on this idea before he cuts you off altogether

catsmother · 30/04/2015 19:23

OP - I am really sorry you have suffered so much bereavement in such a short time. I can't begin to imagine how shocking this has been - and presumably continues to be - for you .... and how, amongst your own grief, you're also trying to keep it all together for your children, who'll also obviously be grieving.

Understandably, you want to protect them from further hurt - and to make their life the best you can. It's horrid to feel you might be letting your children down but, and I do mean this kindly, I suspect that everything you're going through has clouded your thinking. Perhaps not surprisingly - am speculating here, but maybe you've not been sleeping properly (?) and I expect you spend a great deal of time worrying how the future's now going to be without your husband, and how your children have been affected. What I'm trying to say - in the nicest possible way - is that it seems to me you can't see the wood for the trees right now, and that has led to you coming up with what you think is a simple 'solution' to your current worries.

Thing is though ..... it's not really reasonable, and whilst I think you're being driven by the desire to see your kids 'right', (rather than 'greed' per se), as everyone else has said, the most sensible and obvious answer to relieving your financial stress and improving the day to day quality of all your lives is to sell the rented house.

This would NOT be letting your children down in any way, shape or form. In one fell swoop, you could get rid of your debts - which will feel like a weight lifted from you - and, immediately benefit from the loan payments you're currently paying out remaining in your account - which means a much happier and less stressed mummy who'll be able to afford to provide the sort of activities and treats you feel your kids deserve and would benefit from. I don't know how large your debt is, nor what equity you'd take away from the rented house, but with any remaining capital you could use that to reduce your own residential mortgage - thus freeing up even more money monthly, or you could continue to pay that back at the same rate meaning it'd be paid off that much sooner. Alternatively, you could put that money away as the kids' university fund - which would be a fantastic thing to do for them and something which unfortunately many parents simply aren't able to do. Freeing up the capital from the rented house would give you so many options .... all of them beneficial to both you and the children one way or another.

I'm afraid I don't agree that BIL 'should' give you any of his money to solve your problems. As others have already said, it doesn't appear that he's done anything 'wrong' in this sad situation, and is therefore under no moral obligation to assist you. FWIW, in the vast majority of wills I personally know about, it's commonplace for the largest part, if not the total part, of the estate to be bequeathed to the next generation - i.e. their children - by parents ..... maybe there'd be a small token bequest for grandchildren, but this (IME anyway) tends to be a relatively small sum of money, or even more usually, things with sentimental value such as jewellery etc. I think most parents assume that what their children inherit will eventually trickle down to the grandchildren anyway, or, will benefit them in the here and now if their parents use their inheritance to improve the whole family's life NOW - which is what would happen if you use the rented house money. IMO, that'd be the most responsible thing you could do for your kids.

Again, I hope you don't feel offended if I suggest that you are perhaps looking at BIL and thinking 'it's not fair' ..... because he appears to have an easier life than you do. Hard fact is, we can all look at other people and think the same thing - but I appreciate when it's someone close to you, it's often hard not to feel envious. It's even harder not to feel envious of that person's 'easy life' if you think they don't 'deserve' it ..... am speculating, but you mentioned 'so much more horribleness' about him, so I'm wondering if you don't consider him a very nice person and don't have a particularly close relationship with him (e.g. your husband asking you specifically to keep in touch suggests he thought you might prefer to avoid him) ? If I'm right .... and you are thinking along the lines of him 'not deserving' what he has, then I do understand it must be hard to see him with, apparently, 'money to spare'. Thing is ..... he may well actually have 'money to spare', and he may well not be very nice, but all of that still doesn't mean he's obliged to you or your children. Maybe another thing to think of is that if he's a horrible person, then any money he did give you could potentially come with a 'price' ..... that could be as simple as him thinking of you as 'moneygrabbing' or 'greedy', or he could use the 'favour' he's done you in years to come as a stick to beat you with, never letting you forget and so on.

It's far far better to leave this alone so far as he's concerned. He's been 'lucky' to have received another substantial inheritance but that really is nothing to do with you. As others have said, he may have his own children at some point and they should really be the ones to benefit from his finances. One last thing to consider ..... if he's a horrible person, do you really want to encourage a relationship between him and the children anyway ? I know you made a deathbed promise to your husband, but I'm sure he'd not want you to be unhappy or for the children to be exposed to someone whose company isn't in their best interests. I'm not suggesting you tell BIL to bog off - which would be deliberate alienation .... you can remain open to contact (so long as he says or does nothing to upset you or the kids) but you don't necessarily have to encourage it. Let him approach you if he wants to see the children, keep in touch with birthday and Xmas cards (if he does the same) and maybe 'catch up' mails every so often but I don't think you'd be betraying your husband's wishes by not bending over backwards to force a relationship with BIL.

I'm so sorry for your situation, but I really do think the best answer right now is in your own hands and I think if you can resolve this yourself without depending on someone you don't seem to like very much, it will be so much more healthier for you, emotionally.

ZenNudist · 30/04/2015 19:26

Yabu and greedy. It's reasonable for your dbil to get half of his parents estate. It's not fair you're looking at what he's got and calculating which bits of it he should give to you. You got your fair share.

Also I doubt you'd be eligible for tax credits. Surely not? Otherwise we could all make ourselves cash poor asset rich and scrounge some money off the government.

You sound like you've got a real martyr complex. It's a shame you're having to live in reduced circumstances. This is why so many people get life insurance so they don't have to struggle if one partner dies. Anyway you don't have to struggle. Sell your extra house and stop banging on about inheritances for your kids and working yourself ragged.

Oh and if you're so bothered about inheritance for your dc get them to cosy up to BIL. If you can't keep the relationship alive for the sake of your dead dh's wishes, do it for the cash they stand to inherit one day Shock

Continuing to hint and demand money from him is demeaning and rude. Really mean holding contact with your dc over him (news flash, he's probably not that bothered) No wonder he's giving you a wide berth.

Littlemonstersrule · 30/04/2015 19:39

There is obviously more to this than meets the eye. The fact her DH had to mention not to alienate the children points to the BIL and OP not getting on.

He is quite right not to give you more money, your spending hadn't paid off so far hence the debt. Only you have an obligation to support your children, as their uncle he has none. Quite righty as he hadn't say in their conception.

Chchchchangeabout · 30/04/2015 19:44

Sorry for all that you've been through. I don't see that your money issues are BIL'd fault, or problem though

maccie · 30/04/2015 19:50

I am just wondering if the BIL has influenced the OP's position and thinking that she has no right to the inheritance of his parents and that it must be kept whole for her DC ? Why did he attempt to involve her brother to see it handed over ? Is this why she feels he has no right to spend it paying off her own mortgage and settling debts ?

slithytove · 30/04/2015 19:51

I think you are being unfair.

DH and BIL inherited equally.
You got DH's share. You feel that because you have more dependants, you should have a bigger share? Surely that would apply if DH was alive then as his share would have to be split between 4 people?

Do you feel DH should have inherited from the godparent too?

I feel sorry for BIL as well. And I think you should nurture his relationship with your children, it's an important (last?) link to their dad.

Do you have 0, 1 or 2 mortgages? Do you make any profit from the rental house?

strawberrypenguin · 30/04/2015 19:52

Sell the second house OP. Your children would much rather have a mum who's happier and less stressed than have the potential of a bit of money later on in life.

DrinkFeckArseGirls · 30/04/2015 19:56

If you keep on badgering him for money he will not leave anything to your kids when he dies.

shewept · 30/04/2015 19:58

Mackie possibly. bil obviously feels the same as her, but why? And why is the op upset he wanted it to go into trust for the kids.....It's exactly what she has done.

FlaviaAlbia · 30/04/2015 20:01

I'm sorry OP, I think you might be so overwhelmed you can't see the wood for the trees. Your children will appreciate their inheritance more now if you use it to give them a good quality of life.

One thing I wonder is about your BIL approaching your brother. Why did he do that? Do you think he was worried about how you would manage the money?

friendofsadgirl · 30/04/2015 20:16

What a horrible time you have had, OP.
My thoughts are that lots of people have more disposable incomes than others. That does not give the person struggling any right to ask for some more from those who are better off.
The PIL's will was fair. Your BIL owes you nothing financially and you risk your DCs losing touch with their dad's only other blood relative if you can't accept that he is just another person in this world with more disposable income than you.
If you sell the btl house, your DCs will probably also appreciate a less stressed parent and less scrimping and scraping now rather than an inheritance in future.
Flowers

KumquatMay · 30/04/2015 20:19

OP, I'm so sorry for your loss Flowers

I really think you should hold fire on contacting your BIL. As much as it would be nice if he helped (as you would if you were in his shoes), you need to accept that 'it being nice' doesn't equate to you having a right to ask or expect it of him.

You said So if I were in his shoes I would discuss how I could help, but from his perspective it is all fair. I don't think BIL isn't helping because he doesn't understand your situation, I think he's probably not helping because the split of the money is fair. He got half of your PILs inheritence, and then he got extra money from a source totally unrelated to you and your family.

I'm sorry OP but he really owes you nothing. Like others have said, I'd take a long look at sorting your own finances out yourself first. Wishing you all the best.

GatoradeMeBitch · 30/04/2015 20:28

OP - you posted only looking for confirmation that your BIL is being unreasonable, you don't want to hear anything else. The overwhelming consensus here is that you should sell the second property, but you have barely acknowledged that. He is not going to give you any of his money - and why should he?! His money is his money, and you are not his responsibility.

If you cannot afford a second property you shouldn't have one. Sell it, live as frugally as you like on the capital, then reinvest when you are able, but stop having this daft idea that your BIL should be like some surrogate husband/father figure and support you financially.

And by the way, your father didn't 'waste' his money on good living and exotic holidays, he had a nice life and enjoyed himself from the sounds of it. That's what is supposed to happen. My DF is burning through his money on holidays with his wife, and I'm pleased for him. He could live a quiet boring life sitting on an inheritance for me and my siblings, but that's the last thing we would want. Life is for living!

Stop obsessing over someone who has no responsibility for you, sell the house that you don't need, and start living.

CheeseandPickledOnion · 30/04/2015 20:32

HA! Garor That is exactly what I told my mother when she decided to sell the 'family' home and every one else sulked.

She supported us for years. Go bloody enjoy I say! I'd rather see her enjoy her later years in style after all she gave up for us for so long!

shewept · 30/04/2015 20:36

Well said gator I would definitely prefer mum and dad to spend it than leave me it.

WorraLiberty · 30/04/2015 20:46

But his share goes on 1 person and mine on 3 people. So if I were in his shoes I would discuss how I could help, but from his perspective it is all fair as he does not appreciate all the expenses of having children and being totally singlehanded.

Why should he 'appreciate' all the expenses? They're not his kids.

If you were totally skint, with no inheritance and no second home then I'm sure he would help you out in seeing that his niece and nephew were ok.

But by choosing to keep this BTL second home, you are making a lifestyle choice which is probably why you haven't heard back from the email you sent him, basically asking for some of his money.

blushingbooty · 30/04/2015 20:50

OP I'm so sorry for your loss. It's a shame you can't get help but if you have another property I wonder if you BIL believes you are skint? Perhaps he mistakenly believes you are breaking even or getting a profit and just wanting more?

YWBU to email him though. It's his money and while i know you are three living on one part where just he lives on the other, that may not always be the case. He could have a partner and/or family and be saving for that future.

Sell the other house, pay off your debts because the interest will be the best thing to be rid of. After that, then save for your children if you want to give them money and can. While paying interest on loans, your BTL and difficulties now will not offset. Youu are always better to pay off debts asap, rather then save or invest and spread out the debt- you only end up paying back more in the long run and if you'd paid off right away you could save it.

wanttosqueezeyou · 30/04/2015 21:05

Huge sympathies.

YABU. If I understand correctly your DH and his brother both inherited.

BiL doesn't sound very nice but I don't think its fair to expect him to help you financially when you have a buy to let.

Sell the house!! Give yourself a break. Enjoy your life now.