OP, you’re absolutely right to be concerned. None of this is standard adult behaviour, and the pattern you’re describing is a long list of red flags that point to instability, dependency, and very poor boundaries.
This isn’t 'a bit of financial trouble', it’s a whole lifestyle built on other people carrying him.
Financial dependency – a grown man being funded weekly by someone else’s mum is NOT normal. The 'informal' debt arrangements –cash handouts, low rent, and ongoing repayments with no structure are a huge concern and infer loan‑shark style dynamics – weekly repayments to a non‑relative are a major red flag!
The £30k debt – this is really serious, and he has no real plan to address it. He has no intention to increase his income – he is refusing extra work while relying on others (you!) - this is completely irresponsible. He is sponging off you – he is staying at yours, using your expensive products, eating your food, contributing nothing.
His sense of entitlement – he has the cheek to be criticising your bulk meals while living off other people’s generosity. This is such an unequal relationship dynamic – you’re providing stability; he’s providing an ongoing drain on your resources and nothing else.
Financial irresponsibility – high debt, low income, no budgeting, no plan. There are such coercive undertones – pushing you to change your spending to suit him. How dare he!!
Major responsibility avoidance – he’s not taking ownership of any part of his life and the 'hero complex' at work – this is not appropriate professional behaviour. There are clear boundary issues in his TA role – over‑identifying with vulnerable pupils is a massive safeguarding concern - his attitude towards his role is so worrying.
It is emotional instability masked as saviour behaviour – the rescuer narrative is a huge red flag. His unstable living arrangements – living above a pub, subsidised by someone else’s mum. Also elements of possible grooming – adults giving weekly money to unrelated adults is just not normal. It has become an enabling environment – everyone around him keeps him dependent (according to him).
It appears guilt and sympathy are his coping mechanisms, he has precarious living arrangements but he wants your standard of living without contributing anything. He chooses to use your expensive products like they’re communal.
This is likely to escalate OP, debt and dependency and entitlement rarely improves. How is this sustainable??
You’re seeing the situation clearly: he’s not in a temporary rough patch, he’s living a pattern of dependency and avoidance. You’re already carrying more than you should, and he’s already taking more than he should.
Its not fair on you and your family OP, you do NOT have to put up with it.
I also suggest you consider making a Clares Law application ASAP. There are too many red flags to count 😞
So sorry OP