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AIBU?

Share your dilemmas and get honest opinions from other Mumsnetters.

Daughter only in contact when needs something (usually money)

79 replies

Stratophoric · 03/01/2024 14:43

We have been there for my 23 year old daughter through thick and thin. She lives alone in a lovely house but can’t afford the rent and has had six lodgers, all of who she has fallen out with and got rid of, leaving her short of money meaning me and her dad have to step in. There's always a drama of some sort out which is presented for me to sort out.

We’ve supported her through her career change training in the last couple of years which to be fair she has done well in, though it’s not well paid and her expenses are high. We haven’t minded but have helped with sourcing and buying a car, fuel; repairs, insurance etc, a new phone when the old one broke, bills etc.

There’s always a crisis but then we see her updates on Insta with parties, cocktails, nights out etc but if we point this out she claims never to have to pay for herself which surely can’t be true.

She will party hard for days, arriving home at 8am, then later that day appear at our house hungry and claiming to be depressed. When we point out that the depression was highly like due to her lifestyle, she claims she has to have that lifestyle because she is depressed. Are we being taken for a ride here?

She never pops round to see how me and her father and younger sister are, or spends time with us other than with an ulterior motive. She promises to come over then doesn’t turn up and we call her only to find out she’s out for lunch in town with friends. It’s absolutely so rude and disrespectful.

We won’t hear from her for days, all messages ignored, calls go unreturned etc and I start to really worry, only to suddenly get a message asking for money.

Have calculated she’s had over £16k in family in the form of loans (never paid back), gifts, fuel, bills paid etc in the last year alone, on top of her earnings.

She can be considerate, charming and so sweet sometimes but this is getting less and less. It doesn't help that she's so beautiful that people are charmed by her looks.

She could downsize to a more affordable shared house but doesn’t want to do this. Also doesn’t want to rent out spare room because she doesn’t want to live with strangers.

I do love her dearly but this is now affecting me negatively and causing arguments between me and my husband.

Am I being unreasonable to completely stop all help, despite her protestations that she is ‘depressed and suicidal’. I’m tired of being used and treated like this.

OP posts:
Nicole1111 · 03/01/2024 16:09

Cut her off financially immediately. When she says she’s depressed and suicidal you can say “me too” and direct her to her gp. At the moment you’re only enabling her to be someone who will never take responsibility for her actions or gain true independence. You’ll actually be doing her a favour in the long term.

whyamiawakestill · 03/01/2024 16:16

I'd be asking her how she would like to pay back the 16k loan. Monthly or weekly.

What an absolute piss take.

I hope your youngest has a trust fund with the same value sat in it, it's deeply unfair and she needs to grow up fast.

How manipulative blackmailing you with depression, she sounds like an utter princess.

IncompleteSenten · 03/01/2024 16:18

The only way you're helping her is helping her to continue to be irresponsible.

Time to close the bank of mum and dad and let her face the consequences of her poor choices.

SplendidUtterly · 03/01/2024 16:21

MermaidEyes · 03/01/2024 16:00

That was honestly my first thought reading about the lack of money, party lifestyle and the 'depression' ( or cocaine comedown...)

Same as above.

BobVanceRefrigeration · 03/01/2024 16:29

16k is a huge amount, although if given over a long period of time, perhaps she isn’t fully aware of how much she has borrowed? I’m sure you still want to have a relationship with her but it’s going to be rocky for a while when you put in place (and stand by) your new boundaries around money.
If it were me,I’d start off a conversation by saying we are starting the new year by getting our finances and budget in order, and that’s highlighted the amount we’ve lent to you over X period of time. You can then go on to let her know where you stand now with lending her money - I’m going to assume that you are no longer giving her anything - and be really clear about the new boundaries of your relationship financially. There will definitely be some pushback initially and some sort of ‘crisis’, but it’s such an important lesson for her to learn. She’s making life decisions based on the knowledge that she can always fall back on you. You could still end up jumping in to save her in 10 years time.

Emptyheadlock · 03/01/2024 16:31

I'd be very very surprised if this isn't down to coke use tbh.

Either way, I hope you're playing fair with your younger kid and not just enabling the eldest brat.

ManateeFair · 03/01/2024 16:33

I wouldn't usually be someone who attributes shitty behaviour to mental illness or neurodiversity, but there's a lot in your description of her behaviour (cycles of partying and spending, during which she makes plans she then doesn't stick to, followed by periods of depression and suicidal ideation and asking for help) which makes me wonder if she might have bipolar disorder. I would also be wondering if she has a drug addiction (cocaine would be my first guess).

I don't know how you'd broach this with her, however.

Either way, I don't think you should keep giving her money. You're enabling her behaviour. Regardless of whether she actually has a mental health condition or not, being constantly bailed out financially and supported through her excesses of spending and partying means that she never really has to face up to her behaviour being a problem. By supporting her with money, you are allowing her to keep pretending everything's fine. Only when you stop feeding this unhealthy cycle will she actually have to address the root cause of her behaviour - whatever that might be.

StaunchMomma · 03/01/2024 16:33

I know of a few people who's kids in their 20's are constantly begging for help with bills etc as they spend all of their money on a showy lifestyle of partying and holidays that they really can't afford.

Parenting sometimes means saying no and allowing kids to take the fall for their own mistakes. What are you teaching her if you swoop in and pay everything for her at the drop of a hat?

I do hope you will be making sure your other child(ren) are compensated in some way - eg changing wills to show they will get more when you pass. It's not fair for one to be a CF and get more help just because they're manipulative enough to ask.

GoldDuster · 03/01/2024 16:34

Yes, you are being willingly taken for a ride.

Leaving her short of money meaning me and her dad have to step in that she is short of money and as an adult will have to work out a way to sort that out.

There's always a drama of some sort out which is presented for me to sort out.

You don't have to attend every emergency which she presents to you, it's really time to become less enmeshed and try to get a healthier dynamic going her, and boundaries are your friend with that.

If she wants to blow all her money up her nose (which I reckon is what's going on here) and fund her cocktail habit, you can't stop her, but you don't have to pay for it. Time for her to stand on her own two feet, like a big girl, which is what she is.

MissusKay · 03/01/2024 16:40

This is my sister. We all cut access to cash around the same time and now she doesn't talk to any of us. She has, however, found new people to find her lifestyle. 🤷🏻‍♀️

There came a point where I was sick of being her cash point and wasn't prepared to keep handing over cash in order to maintain a relationship.

LookItsMeAgain · 03/01/2024 16:42

snackatack · 03/01/2024 14:45

You are enabling her behaviour.

Give her fair warning the support will stop - and stick with it.

Definitely do it (depending on how you feel you might want to adjust your will by that £16k to someone else) but let her know before you stop being her life raft.

sweetpickle23 · 03/01/2024 16:47

I'll get flamed here but I used to be your daughter (admittedly when I was younger than 23). Burned through all my disposable income, went cap in hand to mum and dad because they'd always bail me out. That was over 20 years ago and I only stopped doing it and pulled my socks up when they stopped enabling me (and also I grew up). You are not helping her, stop bailing her out.

Grimchmas · 03/01/2024 16:53

I'm sorry, I just choked on my tea. SIXTEEN GRAND IN THE LAST YEAR ALONE???

FFS.

No, other people are not paying for her partying, cocktails, lunches out lifestyle. That's actually you, indirectly through paying her other bills.

The "depression" would be much better helped by going for walks in the fresh air, living with a sense of purpose beyond the next hedonistic thrill, and being independent and able to support herself. Alcohol is a depressant so sobering up should be her first stop, not that she will, but you certainly don't have to support and facilitate her party lifestyle. She's not Paris Hilton!

She can live within her means in shared accommodation like almost everybody else her age.

You can't force her to be nice and actually want to visit you I guess, but you absolutely can take the gravy train out of service.

wizzywig · 03/01/2024 16:53

Maybe she needs to use her looks to marry well. Bingo, problem solved

Grimchmas · 03/01/2024 16:58

I am wondering about bipolar the same as some others, but again the way to get help with that isn't by funding her excesses.

I don't think it's coke - paying the bills for a large house without a partner or lodger and for lunches, brunches nights out and cocktails is more than enough to leave anybody short.

usernother · 03/01/2024 17:02

You know the answer to this. Stop it. Your daughter sounds like a scrounging spoilt brat.

mumsytoon · 03/01/2024 17:03

BeaRF75 · 03/01/2024 15:09

FFS, just stop giving her money! She is an adult, she can support herself, and you are being taken for a fool, OP.

This. If someone posted this about their son, the replies would be very different. Off course if it's a woman, then she must be handled with kid gloves. Ffs, someone even suggested poor thing Must be bipolar.

margotrose · 03/01/2024 17:04

Why are you putting up with this?

Newestname002 · 03/01/2024 17:07

@Stratophoric

Have calculated she’s had over £16k in family in the form of loans (never paid back), gifts, fuel, bills paid etc in the last year alone, on top of her earnings.

Well, OP you know this is utterly ridiculous - I had to go back and re-read this. What does your husband think about this? Are you and he able to discuss this together and agree to stop mollycoddling your charming but rather feckless daughter to stand in her own two adult feet?

She is never going to take proper responsibility for herself if her parents don't come together as a team and stop enabling her and yes, you are setting yourselves up for a fall as your other child will expect to be treated the same way. Why wouldn't she?

Personally I'd give your daughter no more money from now - and both of you stick to your decision and support each other if/when she reacts badly to your new boundaries. If you give her a notice period she'll just coast along anyway as you've allowed her to do so in the past. Why would she believe you'd not come to her rescue with your cash again?

Make her face up to the fact there's no bottomless bank account to draw from and make the decisions which will make things easier, financially, for you - including telling her how much money you've given her to date, especially the last twelve months.

Does she get cash from other family members and not just mum and dad? If so you might want to give them a heads up in case they are persuaded to part with cash they won't get back. 🌹

WiddlinDiddlin · 03/01/2024 17:10

Cut her off.

And don't do it over the phone or alone either - you and her father, together, say 'this is enough, you have had 16K in a YEAR on drama and frivolities. We cannot afford it any longer, it stops now. We can offer advice, but we cannot offer financial support any further, you are an adult.'

If you do it seperately or over the phone she will not listen, she will try to get one of you to budge on it, divide and conquer etc... so stick together on this.

If you give her a month or two months or whatever, she will stick her head in the sand and be in the same position she is in now, at the cut off point, whenever that is.

Janiejo · 03/01/2024 17:17

Difficult isn't it.

One of my daughters had a period where she was similar. We have managed to wean her off need us by being supportive, communicating well, giving advanced notice of any change, listening to her too. We have had to make her accountable for the plans made together.

With careful planning with her, listening to her fears, showing her that these can be addressed and praising when a change impacts positively - she is now making independent choices.

blitzen · 03/01/2024 17:21

Is she taking drugs? Just thinking about the expense and comedowns.

Luckynumbereight · 03/01/2024 17:23

You are reaping what you sowed, OP. It’s time to slap a lid on that tin of seeds.

Zanatdy · 03/01/2024 17:34

You are doing her no favours

PigsyChibsy · 03/01/2024 17:34

I really think drugs are involved too. Perhaps you could ask the question?