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AIBU?

Share your dilemmas and get honest opinions from other Mumsnetters.

Wits end with everything

261 replies

Isurrender · 19/01/2024 23:50

I live up North with my two kids aged 18 and 24. Hubby works away and only home every few months. We have no family.

We have just come through the most horrific financial crisis as a family and have pretty much been left with nothing after a two year court battle. I am 54 and my husband is 60.

My son and I both work full time, but my daughter only works 11 hours a week in her own business which she is building up. I pay for her horse, phone and car tax each month. She did have a part time job but gave it up as she fell out with her friend who worked in the same shop and it was awkward, so now does 11 hours work only.

AIBU to expect help in the house? If I specifically ask her to clean a room she will, but if not she does nothing. I spend my weekends shopping, trying to tidy up and walking our dogs. She would never walk them unless asked. If I leave any washing up I mostly come home to it as she will say it wasn’t her mess. She has washed up three times this week and I’m still hearing about it. I’m really struggling with a bad back but she doesn’t notice. The bathroom floor is piled high in her dirty washing but it waits for me. Neither of them would put on a wash unless asked. Last night I was so tired and my back was agony. I left a bowl full of dishes and stuff on the sides, today she had no work and said she’d do them. She sent me a message at work saying she’d wash everyone else’s stuff up later. She had a lie in and went to her horse. I got home to dog poo all over the path and the same mess I’d left last night. She got home after me, telling me she’d wash up later. I said she should have done it earlier and she said her brother doesn’t wash up often. He’d got home and gone to the gym.

My son doesn’t do much but he works 11.5 hour days. If I want a job doing I have to ask over and over. Our garden is completely overgrown as he won’t do it, despite me practically begging him all summer. No one will empty bins unless I ask and if I don’t drag the dustbins out they don’t get emptied. They will see me go outside to fill coal buckets with a bad back and only do it if I ask.

I have nothing for myself, no time, no money, no outings. When the kitchen bin is full the stuff is left on the side for me to take out. My daughter now leaves makeup all over my nice table on the landing and won’t move it unless I ask. Then it’s back the next day. No one will clean the bathroom. The bathroom bin overflows onto the floor until I empty it. If I mention my daughter’s mess she says all I do is moan. I have asked her to get a second job but she doesn’t want to do any job I suggest. She owes her brother £600.

We went through an awful time and she moved out for 5 months to stay with her boyfriend. I admit I was horrible due to all the pressure but now she throws this at me and I feel guilty for asking for her help because I upset her a lot during the court case.

Should they do equal amounts or should she do more as she barely works? I’m at the end of my tether.

OP posts:
CrotchetyQuaver · 20/01/2024 10:35

If they're behaving like this, I'd be picking up all their crap and dumping it in their beds. Calling them out for being selfish arseholes expecting you to skivvy behind them. I wouldn't do anything for them. No food no washing no Wi-Fi and throwing stuff away if left out just to get the point across. Your daughter, I'd stop paying the car tax and phone for her. The horse, I understand. She needs to grow up a little, the money isn't there for her to act like she is
Where's your DH in this, he should be backing you up on all this.

Isurrender · 20/01/2024 10:39

whatsitcalledwhen · 20/01/2024 10:30

So she has a gym membership too?

And a horse?

Bloody hell.

Yes! Pays the gym membership herself and was going 5 nights a week at 92 miles per week in fuel costs. I told her she could only go three times as she owes money to her brother and she said that was unfair. She is now going three times.

OP posts:
whatsitcalledwhen · 20/01/2024 10:41

Your son taken out a loan to help you, which he's repaying himself, and his sister owes him money too? I hope he doesn't default on his repayments and get a shit credit rating as a result. I feel sorry for him on the financial front, he's really taken a big risk there.

Isurrender · 20/01/2024 10:44

MattDamon · 20/01/2024 10:22

Is your son paying the loan in exchange for rent? If not, he should still be paying rent.

He is paying loan off

OP posts:
CrotchetyQuaver · 20/01/2024 10:46

You pay her petrol?

That stops right now. You need to incentivise her to work a proper job.

The (saved) petrol money would go some way towards hiring a cleaner or gardener?

Isurrender · 20/01/2024 10:47

whatsitcalledwhen · 20/01/2024 10:41

Your son taken out a loan to help you, which he's repaying himself, and his sister owes him money too? I hope he doesn't default on his repayments and get a shit credit rating as a result. I feel sorry for him on the financial front, he's really taken a big risk there.

He’s incredible with money. He would never default. His money is worked out to the penny. He will be paid back in the end. He had worked since age 13 in various jobs. They both have tbf that’s why I’m shocked at my daughter’s attitude.

OP posts:
peachgreen · 20/01/2024 10:48

Your preference for your son over your daughter is no doubt as apparent to her as it is on this thread. Which could also be part of the problem.

Isurrender · 20/01/2024 10:49

CrotchetyQuaver · 20/01/2024 10:46

You pay her petrol?

That stops right now. You need to incentivise her to work a proper job.

The (saved) petrol money would go some way towards hiring a cleaner or gardener?

No! She pays for fuel but my point was almost 400 miles a month in fuel could be put towards the horse I pay. Gym is fine but 5 nights a week excessive if you don’t earn enough.

OP posts:
whatsitcalledwhen · 20/01/2024 10:51

He’s incredible with money. He would never default. His money is worked out to the penny. He will be paid back in the end. He had worked since age 13 in various jobs. They both have tbf that’s why I’m shocked at my daughter’s attitude.

You can't know that. Losing his job and being unable to get one that pays enough to cover it, illness, further financial trouble from you that means you lose the house and he has to pay back the loan AND pay private rent, you being unable to work etc etc are all possible reasons he would be unable to repay.

I feel very sorry for him. I also don't know how in the financial situation you say you're in you expect to be able to find £20k to pay him back.

He took that huge financial risk and his sister still gets to have a horse? I would feel pretty bloody resentful that him being lumbered with £20k of debt was more acceptable to you than the horse going to another owner.

You don't need to go into the court case in much detail but I feel it's relevant to how you approach the situation as a whole - was it caused by negligence / wrongdoing on the part of you and / or your DH?

Isurrender · 20/01/2024 10:54

peachgreen · 20/01/2024 10:48

Your preference for your son over your daughter is no doubt as apparent to her as it is on this thread. Which could also be part of the problem.

I’m sorry if it has come across like that. I can assure you I don’t prefer my son. My daughter and I were really close, we did everything together and spent all our time together. The whole court case and stress has really damaged our relationship. The only reason I ask her to do more is because she is only working a fifth of what my son is working in hours. Am I being unfair by asking her for more help than him. If you read all thread I have clearly said he is lazy too and refused to help in the garden and it’s now a wilderness. They are both lazy

OP posts:
Arabaloosa · 20/01/2024 10:54

Pop the horse out on loan if you have an attachment to him too. That way you can get him back when things are better. I understand that will still break your heart, but it's not as final as selling, and eases some financial pressure. To those saying sell it you can get another... To some people that's like saying get rid of a kid, you can get another, the emotional attachment is the same, even if you personally don't get it. With horse off the table, do what others have said, one warning about things where they shouldn't be, then bin. Look after your own washing, cooking, personal space, sod theirs. If they want clean clothes, they'll have to wash them etc. Stop paying for her stuff, she wants it she can get a job. I was her age, working full time hours, having to pay rent to my mum and pay for my own stuff, and pull my weight at home. Stop enabling her

DillyDilly · 20/01/2024 10:57

Tell them both to move out if they don’t do their share of housework. Take a firm stance. Stop paying for your DD’s horse. Gather up their laundry from the bathroom and toss it into their rooms - eventually they will have to launder it themselves. Gather up your DD’s makeup from your hall table and toss it into the bin. Do not cook for them. Give your DD two months notice that you will no longer be paying her car task.

If you do let them stay living in your home, insist they contribute financially and do an even split of chores between the three if you.

Isurrender · 20/01/2024 10:58

whatsitcalledwhen · 20/01/2024 10:51

He’s incredible with money. He would never default. His money is worked out to the penny. He will be paid back in the end. He had worked since age 13 in various jobs. They both have tbf that’s why I’m shocked at my daughter’s attitude.

You can't know that. Losing his job and being unable to get one that pays enough to cover it, illness, further financial trouble from you that means you lose the house and he has to pay back the loan AND pay private rent, you being unable to work etc etc are all possible reasons he would be unable to repay.

I feel very sorry for him. I also don't know how in the financial situation you say you're in you expect to be able to find £20k to pay him back.

He took that huge financial risk and his sister still gets to have a horse? I would feel pretty bloody resentful that him being lumbered with £20k of debt was more acceptable to you than the horse going to another owner.

You don't need to go into the court case in much detail but I feel it's relevant to how you approach the situation as a whole - was it caused by negligence / wrongdoing on the part of you and / or your DH?

I agree with what you say re losing his job etc. tbh my life is a mess and I am constantly weighed down by the guilt of everything.

it was a business partnership thst went wrong. Yes my husband’s fault but also other party but they got out of it unscathed. No one was injured or physically hurt. Not that kind of wrongdoing but all connected to my husband yes.

OP posts:
Izzy24 · 20/01/2024 11:00

CrotchetyQuaver · 20/01/2024 10:35

If they're behaving like this, I'd be picking up all their crap and dumping it in their beds. Calling them out for being selfish arseholes expecting you to skivvy behind them. I wouldn't do anything for them. No food no washing no Wi-Fi and throwing stuff away if left out just to get the point across. Your daughter, I'd stop paying the car tax and phone for her. The horse, I understand. She needs to grow up a little, the money isn't there for her to act like she is
Where's your DH in this, he should be backing you up on all this.

This .

whatsitcalledwhen · 20/01/2024 11:03

I agree with what you say re losing his job etc. tbh my life is a mess and I am constantly weighed down by the guilt of everything.

I'm sorry you're feeling so low, genuinely, especially if it was your husbands fault you're in this mess.

But I can't get my head around lumbering your son with £20k of debt, allowing him to take such a massive risk, while keeping a horse.

You say your horse is part of the family. We all feel like that about our pets.

But your son is surely a far more important member of the family?

peachgreen · 20/01/2024 11:04

I do think that makes a big difference, OP. Your DH caused your family all this pain and yet he is also getting away with not doing anything and it’s all falling on you. Your son has been forced to bail
him out, your daughter is clearly hurt by whatever happened between the two of you during the court case – this isn’t a normal “lazy kids” situation and I don’t think the usual advice can apply.

whatsitcalledwhen · 20/01/2024 11:05

She did have a part time job but gave it up as she fell out with her friend who worked in the same shop and it was awkward, so now does 11 hours work only.

Then she needs to get another job.

It's that simple.

And if she doesn't, she doesn't get anything paid for. Because you don't have the money.

You only have any spare money (for her phone / horse etc) because her brother took out a large loan for you that he is repaying.

Babyroobs · 20/01/2024 11:07

If your daughter wants to keep the horse, and I understand it is a much loved pet, then she needs to work full time to pay for it. She does not get the luxury of working part time whilst she builds up a business , she can do that on the side like many people do .As a family you need them both to be contributing to living there and the costs of running the house. If you are relying on your son to be contributing to the costs of your court case ( and I'm really not sure this is a great idea ? ), then I guess you don't want to be falling out with him. Do both your kids realize the seriousness of your situation ?

DillyDilly · 20/01/2024 11:09

Ok, so reading all your posts, your DS is playing his part financially at least. It’s time to stop paying everything for your DD - her phone and car tax and food. Also the horse but if she refuses to pay towards that and you insist on keeping the horse, you’ll just have to finance this yourself.

Is your DH working and contributing money or is he indisposed at the moment. If not, can he get a job closer to home.

Don’t do any laundry or cooking for either DD or DS.

Aprilx · 20/01/2024 11:09

I was brought up in quite a poor house and I think you haven’t got a what financial difficulties are because if you did there would be no horse, gym membership or car or even driving lessons for a lazy 18 year old. You are enabling all of this. I couldn’t wait to start earning so that I could have things, she obviously doesn’t need to.

Regarding the chores there are some very easy thing you can do, like stop doing their laundry. They will soon work out how to put the machine on when they run out of clothes. If they leave dirty clothes around, chuck them back into their rooms and close the doors. You also need to stop giving your son a free pass, the men in your household seem to think the drudgery of life is all women’s work. For a large part of my life, I worked and was out of the house from about 6:30am to 8:30pm due to commuting time, I still managed to wash my clothes, cook, wash up and generally keep my flat tidy, it really is no excuse.

JanefromLondon1 · 20/01/2024 11:11

This reply has been withdrawn

This has been withdrawn due to privacy concerns.

Isurrender · 20/01/2024 11:13

whatsitcalledwhen · 20/01/2024 11:03

I agree with what you say re losing his job etc. tbh my life is a mess and I am constantly weighed down by the guilt of everything.

I'm sorry you're feeling so low, genuinely, especially if it was your husbands fault you're in this mess.

But I can't get my head around lumbering your son with £20k of debt, allowing him to take such a massive risk, while keeping a horse.

You say your horse is part of the family. We all feel like that about our pets.

But your son is surely a far more important member of the family?

Of course he is but the loan from my son was unavoidable even if we’d sold the horse immediately. The horse is not worth 20K, not even 2K. Once my daughter is paying for the horse from March the money from the horse will go to his loan. That is my plan. I cannot think of another way.

OP posts:
Babyroobs · 20/01/2024 11:14

Isurrender · 20/01/2024 10:13

Neither pay rent! Daughter obviously doesn’t earn enough. Son is on 10K more than me and has never paid rent. That’s because he was at uni until he was 21 and has been working the past three years but living rent free. I told him I wouldn’t expect rent because daughter has the horse and it seemed unfair. He does often buy shopping and doesn’t ask for the money.

He has taken out a 20K loan to help us through the court issues so I cannot expect rent. He also lent me 2K for a car so he does help.

Edited

Does your son pay the loan repayments or do you give him the money for the repayments?

whatsitcalledwhen · 20/01/2024 11:15

Of course he is but the loan from my son was unavoidable even if we’d sold the horse immediately.

Unavoidable how though?

What if he had said no?

The pressure on him to agree to a loan must have been crazy.

FrontEnd · 20/01/2024 11:15

But how will your daughter pay for the horse from March?