To not want to except this..

[sophisticatedsarcasm]

My nan died almost 2 months ago, non of us knew till she died that she had life insurance. At first glance we thought she only had £7000 which was more than enough to pay for her funeral with some left over for her outstanding bills, when we got the paperwork through it was actually 18000, we were all shocked but naturally the money was split between my mum, my uncle and aunt. Mums just came up to me and gave me £500. I tried for 10 minutes to not take it explaining she should keep it. I’ve never taken money from her except for Christmas or birthday. She said she’d given some to my brother so she’s giving some to me. I told her I didn’t want it but she’s not having any of it. She said she’s not giving my little sister any, I offered to split mine and she told me no as she doesn’t need it. I really want my mum to keep it but she won’t take it back.... 😖

Take it and buy her something she wouldn't buy for herself

I bought myself a painting with money my Nan left me and it hangs proudly in my house as a reminder of her.

Perhaps she's going to get your little Sister something expensive at Christmas OP, but doesn't want to ruin the surprise?

She want you to have the money. Treat yourselves (and her) to a lovely Christmas.

Wish someone would give me £500. Take it, why on earth wouldn’t you.

I think @steppemum is right, @sophisticatedsarcasm - your mum wants to take this opportunity to treat you in a way she usually can’t.

Could you use some of the money to get her something special for Christmas?

OP you are coming across as a bit of a martyr.

Take the money , your mother wants you to have it
Do something nice for you and your family and be grateful
❤️💐your lovely Nan

It must be lovely for your mum to give you something, particularly when she's struggled with money. Take it gracefully.

Surely it's not hard t make sure your mum benefits from it OP? And your sister for that matter.
Do something with them, individually or together
Buy an awesome Christmas present for each of them
Sneakily put it towards household expenses, a bill or a big food shop.

Is it really that hard?

As others have said take it and treat your mum to a spa day or a theatre trip something the two of you can enjoy together

If your sister is only 14 and living with your Mum still then she probably doesn't 'need' it in the same way as you, an adult supporting your own family?

Maybe your Mum will spend money for your sisters benefit as and when she does need stuff? Or on things they will both enjoy in the house?!?

Book a spa day for the both of you

If you don't need anything, put the money in an account for your children. It may come in handy for school trips that wouldn't otherwise be affordable.

No way I would have given one of my DCs that amount of money at 14, it would simply have been squandered.

It's only £500, I'd take it. She obviously wants to give it to you. x

Open a bank account with it, when mum needs money give it back to her or keep it and book a break away for her

Buy a piece of jewellery or art to remind you of your nan x

Take the money. Spend some of it to Buy your mum on online shop of staples that won’t go off like pasta, rice, tins, washing powder etc if you want.
Maybe your mum is keeping the money for your sister when she’s older?

Send her and her best friend off for a few days, or something.