Meet the Other Phone. Flexible and made to last.

Meet the Other Phone.
Flexible and made to last.

Buy now

Please or to access all these features

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:
slithytove · 01/05/2015 11:27

Ok, you haven't answered some questions which could help.

BIL is a dick, ignore him.

Do you have any mortgages?

Also r.e. Uni fees - if it exists then, pay the fees with a student loan, then if dc need to make repayments, you can do them on their behalf.

My family would have saved so much money this way as neither sibling earns over the threshold to pay it back, and I'm a sahm!

slithytove · 01/05/2015 11:28

And yes, perhaps discuss with GP about counselling, you have been through so much.

MiddleAgedandConfused · 01/05/2015 11:30

Saving all your money for a future event when you are struggling NOW is crazy and adding enormously to the stress you are going through.
Your DCs can be like everybody else and take the loans - they do not need a nest egg to afford Uni.
Their childhood is happening right now - use the money from the second house to help them have the childhood they deserve - with a happier less stressed mum.

GlitterBelle · 01/05/2015 11:31

Grapejuicerocks - you have got it wrong, the OPs mother (and father) died just before her husband. She's saying she bought the second house for her mum to live in so she could look after her, but then her mum passed away. She has tenants in there.

One thing a lot of people haven't considered is the tenants. She will in all likelihood have a contract with them, so won't be able to ask them to leave perhaps for some time.

She may have told the tenants they could live there for a long time, so be quite rightly aggrieved at being asked to leave. So even when the contract ends they may not leave straight away, as most councils advise staying put until a bailiff turns up - which would cost the OP a lot of money.

So it's not necessarily an option that could free money up quickly for her.

OP - I'm so, so sorry for your losses. I can't imagine what you're going through.

GwenTen · 01/05/2015 11:35

OP has been through a lot but seems fixated on BIL instead of looking at what she can do to help herself. So many questions not answered, obviously a back story.

namechange0dq8 · 01/05/2015 11:35

Did plan to sell other house one day to pay for DC uni fees,

Are you serious worried that the only way people will be able to go to university in ten years' time is by the sale of a third-share in a house? Isn't that going to make the university sector quite small?

minkGrundy · 01/05/2015 11:37

Glad the thread has helped OP. You truly have been through hard times. I hope that now you have made a decision some of the future times will be less hard at least financially and also that you mange to get some counselling.

Wishing you well also with the change in hours.

It sounds as though things might all start easing up a bit soon. Hopefully you will be able to out a little something aside for their education but if you can't you can't.

Your BIL may have a point btw about his old age and care fees. As he does not have a family that he can go and stay with or children to look after him, I guess he has worked out that he must take care of himself in old age and that that might be quite a lonely prospect to face.

I know it is tough to have been widowed with such young children but you do have their love and support, now and in your old age hopefully and your DM was lucky enough to have had you to care for her.

FWIW it is worth my cousins lost their mother very young and she left them a small amount on money. My DU was very keen not to touch that money but when he could not work due to an accident the benefits agency saw that money as his savings and gave them nothing. I know how hard it was for him because he wanted his kids to have something from their mother when they reached adulthood, so I do understand where that wish comes from.

What they do have though is a great respect for how hard their father worked and they would not have wished him to struggle for the want of a few thousand pounds that could never replace their mother anyway if that makes sense. They are very rational about it because they were very sensitive to what was going on as children- they understood.

Buxhoeveden · 01/05/2015 11:46

Do you have 2 DC or 3 DC?

Buxhoeveden · 01/05/2015 11:56

Either way - 2 or 3 DC - you really do need to sell the BTL as others have said.

You don't seem entirely clear what the 2nd house IS (home for mum, inheritance, uni fees vehicle etc) which is understandable but is part of the problem.

SnakeyMcBadass · 01/05/2015 12:04

Aw, OP. Grief is utterly exhausting, and confusing, and you've been hit by wave after wave of loss. I'm glad that posting has helped you to refocus. Please speak to someone in RL and get some practical and emotional support.

BelieveInPink · 01/05/2015 12:45

You had life insurance that helped with the house you're living in. You have a house you let out and could sell.

You are in a far better position than you could have been in such awful cirumstances.

Do NOT ask your BIL for money.

JillCrewe · 01/05/2015 13:30

No, won't ask BIL, he has done so many awful things that I felt that there was nothing to lose to do something wrong back, and ask him to actually help. But I won't. I suppose I wanted a fairy godmother to wave a wand and make it all ok, or for him to once, just once, offer some help not his endless criticism and cynicism - he laughs in my face the more vulnerable he thinks I am. Life has been like an endless bad dream. And yes, there are people worse off than me, and if I can I have tried to help out if they are people I know. But there are lots of people better off too. If I want something fixed I pay a plumber or electrician or mechanic, or try and do it myself. I have divorced friends whose fathers come and mow their lawns, who's parents step in as additional childcare. I have absolutely totally no support; BIL is the only one with the resources to do so. The 2nd house has a symbolic as well as a physical aspect, and I do feel a strong sense of moral responsibility towards the tenants who are lovely people.
Everyone who's been supportive please keep your fingers crossed as I'm going to take my good bike to the bike shop and hopefully persuade them to buy it for a decent price. I don't get the chance to ride now apart from with DCs so my old bike is perfectly adequate.

OP posts:
Kvetch15 · 01/05/2015 13:39

This reply has been deleted

Message withdrawn at poster's request.

slithytove · 01/05/2015 13:41

Op.

How many Dcs do you have.

Do you have any mortgages and on which properties?

There is help here if you want it / answer some questions.

letscookbreakfast · 01/05/2015 13:59

I know I've already commented OP but I'd like to echo what others have said. Your priorities are all wrong, you need to focus on the here and now.

daisychain01 · 01/05/2015 14:03

Repeatedly asking poor OP about her house, does it have a mortgage, why don't you sell it etc is quite unkind. She clearly doesn't want to sell it because she has tenants in the house. She said that originally.

It sounds like she just wanted to talk things through, to try to think straight rather than being 'got at'. Maybe she is ill-advised to expose so much information on here and be judged as harshly as some people have. I feel for you OP I wouldn't have been as brave as you after my DH died!

shewept · 01/05/2015 14:05

You don't need a fairy godmother you need to seek the other house.

You talk about helping out other people, help you and your kids out. Get the money from the house, and stop doing all the stuff to save money that you obviously aren't happy with.

paxtecum · 01/05/2015 14:05

Jill, I live in a rented house. I have been there for almost 10 years and love it there. It would be a nuisance if the LL decided to sell it and I had to move, but it really would not be a great problem.

My LL is great, he fulfillls his duty by fixing any problems really quickly, but if he was in your position I would expect him to put himself first.

daisychain01 · 01/05/2015 14:12

Jill could you seek some financial advice from a 3rd party, maybe start with citizens advice. If there is some equity in the property you may be able to release some (not all) of that to tide you over in the very near term, as I think you mentioned you will be starting work again soon.

They could spell out a few options and give you independent financial advice to cover the short term and still leave something in there for your DCs future. After all, property is as solid an investment as you can get, it's knowing how to make it work for you and the family.

You then don't need to be beholden to your BIL.

soverylucky · 01/05/2015 14:15

This reply has been deleted

Message withdrawn at poster's request.

GwenTen · 01/05/2015 14:44

Not wishing to be unkind to the OP but the word Martyr comes to mind. Putting everyone before her children. Are all these lovely people you are helping reciprocating. It sounds not. Please get some counselling and help as it may help you see things more clearly. Good luck .

Buxhoeveden · 01/05/2015 14:47

Of course it's not 'unkind' Daisy. What a strange idea.

paxtecum · 01/05/2015 14:50

Re the tenants: you may be able to sell it to another LL and the tenants can stay.

SquiddlyDiddlyDoo · 01/05/2015 14:52

I'm sorry for you loss - you've put up with so much.

Unfortunately, it's up to him what he does with his money. They're not his kids and the fact that you have chosen to rent a house out rather than paying your debts off isn't really his oproblem. Sorry to seem harsh.

You need to sell that house. You can use some of the money to repay your debtsand then whatever is left you can put into something else for your kids. Maybe bonds?

JillCrewe · 01/05/2015 14:56

I am a bit Blush about too much information and private thoughts on internet, and putting it on aibu I braced myself for comments of all kinds, but I knew that I am not seeing things in perspective. Just great (in a kindly meant way) that all of you with some real life experiences can understand and I feel less alone as a result.

OP posts: