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Elderly parents

My father is becoming more financially mean by the day.

105 replies

Pancakeparlour · 30/01/2025 08:48

He is actually mean in many other ways but he is becoming so miserly over the last few years, it is getting worse and is driving me to the brink of insanity.

I have done everything I can for my parents over the last 5 years as I really feel for them. They had a great life until 7 years ago when mum was diagnosed with Alzheimer's.

My father has never been an easy character but even though at 83 he is in good health, since my mum's diagnosis (and subsequent diagnosis of breast cancer last year) has brought out the worst behaviour in him. I fully understand he is frustrated and angry with the world but he takes it out on everyone and blames everyone but himself. He has fallen out with the few friends who are still alive, he has had a massive falling out with his next door neighbours etc and blames them all. He can not acknowledge his own mean ways.

It is very draining especially as I am round theirs 4/5 days per week.

But it is his very tight ways and reluctance to spend any of his very large financial investments that is really grating on me right now. He wants "all he is entitled to" and more tbh.

When mum was first diagnosed I arranged for them to have a reduction in their council tax and for mum to claim the highest rate of Attendance Allowance. Other little bits here and there but in all honesty they do not qualify for much because they have a very large amount of savings (from inheritance from their own parents).

My dad is constantly asking me to check if he is eligible for this or that because he has watched the Martin Lewis tv show and he thinks he should qualify. He resents paying VAT on the 2 afternoons a week mum attends a day centre (even though her AA pays for that!), he hates paying out for the carer to come every morning to wash and dress mum and even tries to put my sister and I off buying mum new clothes even though she needs them because her breast cancer medication has seen her weight go up and clothes getting tighter. My sister has just purchased mum a new top and trousers and won't ask dad for the money because he will moan about the cost (they are just Tesco clothes ffs).

I have had enough of caring and helping them in general in all honesty not because of my mum, I love my dear mum, I would do anything to help her but I have my own health issues which are getting worse by the day, probably due to the stress of it all (dad really couldn't give a shit about this, it's all about him atm), I have a dh and teen dc at home and am currently out of work as I reduced my hours to help my parents then lost my job but need to find work as money is tight.

But my father couldn't give a toss about me and has declared yesterday that after chatting to someone at a dementia cafe he believes he should be claiming Carer's Allowance. I told him that he won't qualify for it because his pension is over £81 per week and he has £400 thousand pounds invested. He won't listen and is hell bent on claiming this because in his words "He has worked all his life and paid all his taxes and should be entitled to everything", I have told him that's not how tax systems work, it's not an investment account that you can claim once you hit old age. He won't listen to me though.

But the truth is I claim the CA. I have never told him because he has never offered me any money for helping them and it's the only way I can currently help them out whilst not working. I honestly don't know what he thinks I actually live on, my dh doesn't earn a super high salary, just above average but my father thinks he should support me financially whilst I help them out. And if he knew I was claiming CA he would expect me to do more than I already do (which is alot). All for a measly £80 per week ffs.

I don't know what I expect from this post, I know I need to tell him to button it up but it is so damn hard, he is such a difficult character. I am exhausted and just hope someone on here understands, someone who has been through something similar?

OP posts:
Pancakeparlour · 30/01/2025 12:01

HashtagShitShop · 30/01/2025 11:48

The carers assessment is for you, my love. Nothing to do with them or their finances. It's how you're coping and identifying help you need (which is why I suggested having him in the room so he can hear and realise what you do and they could hopefully see how he behaves towards you)

Dad and I have had a carers assessment, sadly it's been the same outcome.
I even arranged for the GPs social prescriber to cone round two weeks ago. She gave us lots of leaflets for local organisations (I have joined some) but dad is not interested.

OP posts:
Pancakeparlour · 30/01/2025 12:09

It's tricky with my dsis as she has always shirked any responsibility. She can be as obtuse as my dad at times.

OP posts:
CaptainAwkward · 30/01/2025 12:18

Surely your father is also financially abusing your DM too?

Denying her access to her own funds that she needs for her care and wellbeing?

Codlingmoths · 30/01/2025 12:21

You have to step back for your sanity. Help your mum, and leave, tell your dad you have a job and use the hours you are dragging back to look for work. When he goes off about something say ‘mmm you should look into that.’ If he has a finance meeting, say ‘I’m working but I hope it goes well.’

TheHillsIsLonely · 30/01/2025 12:30

Your father cannot claim Carers Allowance as it cannot be claimed at the same time as State Pension. The exception to this is if he receives SP of less than £81.90, which is unlikely. In that case CA can be used to top up his SP to £81.90. Tell him that. Show him that information on the Gov UK website. Then change the subject. Rinse and repeat.

It is completely appropriate for you to claim and receive Carer's Allowance. You do not need to tell your father about it and in your case I can understand why you haven't.

As a separate issue, it's a national scandal that carers can't receive Carer's Allowance once they begin to receive their State Pension. It means that they are caring from 35 hours a week up to full-time 24/7 for absolutely nothing, not a penny. Carers receive an absolute pittance, but then being expected to provide care for nothing in their retirement years is shocking. Not in your father's case, obviously.

Incontinence products are often available free on prescription via your local NHS Continence Service. It is worth speaking to your GP about this.

Pancakeparlour · 30/01/2025 12:31

CaptainAwkward · 30/01/2025 12:18

Surely your father is also financially abusing your DM too?

Denying her access to her own funds that she needs for her care and wellbeing?

It would definitely be that way if my dsis and I weren't on the scene.
We don't allow him to let mum go without but it's such a huge battle to get him to agree to sort with their money, it's so draining.

OP posts:
Tubetrain · 30/01/2025 12:32

Tell him you're claiming it and happy to stop and then he can sort all his own care and pay for it. When he says yes, turn yout phone off for a week and don't return his calls.

Givemethreerings · 30/01/2025 12:40

Tubetrain · 30/01/2025 12:32

Tell him you're claiming it and happy to stop and then he can sort all his own care and pay for it. When he says yes, turn yout phone off for a week and don't return his calls.

But the OP’s poor mother will then suffer as a result.

Her father doesn’t seem to care about her mum’s wellbeing

It’s awful and my heart goes out to you OP. How about a very frank discussion with your sister, maybe with your DH there for support? These are your best years slipping away although what you’re doing for your mum is an act of great love.

WhiteCatPaws · 30/01/2025 12:46

Quite honestly, I just think your dad sounds like a bully. He is probably holding inheritance over your head too.

Tubetrain · 30/01/2025 13:01

Givemethreerings · 30/01/2025 12:40

But the OP’s poor mother will then suffer as a result.

Her father doesn’t seem to care about her mum’s wellbeing

It’s awful and my heart goes out to you OP. How about a very frank discussion with your sister, maybe with your DH there for support? These are your best years slipping away although what you’re doing for your mum is an act of great love.

True. Adult safeguarding referral first.

Summerhillsquare · 30/01/2025 13:05

Wisterical · 30/01/2025 09:49

Your dad is not going to change so you need to. What can you do (that doesn't involve your dad changing his ways at all) to make this easier for you?

You've had good advice on other threads, but basically this, assuming you won't stand up to your father. You can only change your own behaviour.

MySweetGeorgina · 30/01/2025 13:05

Stop giving too much of yourself

Let him claim CA, and then obviously he will do the care

This won't get better and you are enabling him

Really sorry you are going through this

Being old does not stop men being misogynistic Sad

Pancakeparlour · 30/01/2025 13:23

I do stand up to my dad, we clash regularly but it's so hard to take a step back, not because I'm some martyr but because my mum was such a wonderful caring mum, so kind and gentle. It kills me to see her slowly being eaten away by this dreadful disease. I feel I want to give back some of that kindness her way now she is suffering so much. The journey would be so less bumpy if my dad was an easier man.
I know I need to step back and I have from 5 years ago when I was running around like a headless chicken but it's also tough on your conscience.

OP posts:
Notchangingnameagain · 30/01/2025 13:42

I understand.

My Grandmother needs a cleaner. She will not pay for one. Keeps banging about can I get this, get I can get that.

Such and said gets XYZ.

I have explained until I blue in the face that she is NOT entitled to ANYTHING.

She has ALOT of money she just won't spend it. Ridiculous.

thinktwice36 · 30/01/2025 14:43

I attend all of dad's financial stuff with him so he has someone there who understands and can explain to him etc

Just don’t do this. Do what you need to do for your mum. Anything your dad needs, let him sort himself.

You need to say no to him. Or “ask dsis to help you with that, I havent got time”

have you got access to mum’s bank accounts/cards to enable you to spend on her behalf for things she needs (with her permission, and receipts obvs)

Pancakeparlour · 30/01/2025 14:48

Notchangingnameagain · 30/01/2025 13:42

I understand.

My Grandmother needs a cleaner. She will not pay for one. Keeps banging about can I get this, get I can get that.

Such and said gets XYZ.

I have explained until I blue in the face that she is NOT entitled to ANYTHING.

She has ALOT of money she just won't spend it. Ridiculous.

I know they probably come from an era where money could be tight etc but I can not understand why they deny themselves help during their last few years.

DH's 92 year old uncle died a few years ago. He lived in poverty, no new clothes in years, very basic food and a house crumbling around him. He died with £500k in his bank account. DH's cousin is having a ball right now!

OP posts:
Pancakeparlour · 30/01/2025 14:51

thinktwice36 · 30/01/2025 14:43

I attend all of dad's financial stuff with him so he has someone there who understands and can explain to him etc

Just don’t do this. Do what you need to do for your mum. Anything your dad needs, let him sort himself.

You need to say no to him. Or “ask dsis to help you with that, I havent got time”

have you got access to mum’s bank accounts/cards to enable you to spend on her behalf for things she needs (with her permission, and receipts obvs)

We have to ask dad for her bank card if we want to buy her anything or my sister will pay and ask for the money bank (I won't do this).

OP posts:
Pancakeparlour · 30/01/2025 14:59

Honestly his miserly ways really do grate on me at times.

I have asked him today if he could purchase a small metal filing cabinet because all of his paperwork sits in scruffy brown envelopes in piles, stuffed in various cupboards and drawers.

If he died suddenly or ended up in hospital it would be a nightmare having to trawl through various envelopes to find appropriate paperwork etc. He also has no funeral plans for either of them and will not discuss this but simply says there is an insurance policy which will pay out upon his death and says the details are in an envelope 'somewhere' in that room.

Obviously, I am keen to organise everything so it is all to hand if and when needed so I have shown him some small filing cabinets online or even a small metal filing box, they ranged from £25-£60. The reply to this was that he'll think about it and have a look around some second hand shops for one before making such an expensive purchase and could I keep my eye open on FB Marketplace?

FFS!

OP posts:
WhiteCatPaws · 30/01/2025 15:09

You have been offered the same advice or options on other thread(s) you have posted on this subject.

ThejoyofNC · 30/01/2025 15:17

You really need to pick your battles OP. He's not unreasonable where the filing cabinet is concerned, many people prefer to buy secondhand where they can.

Pancakeparlour · 30/01/2025 15:42

ThejoyofNC · 30/01/2025 15:17

You really need to pick your battles OP. He's not unreasonable where the filing cabinet is concerned, many people prefer to buy secondhand where they can.

I was just giving an example of what I am up against all the time. He has hundreds of thousands sitting in the bank. He will now faff around looking for a cheap or free cabinet and will probably come up with nothing when he could purchase a new one tomorrow and we could make a start this weekend on sorting out the paperwork mess.

OP posts:
Pancakeparlour · 30/01/2025 15:47

WhiteCatPaws · 30/01/2025 15:09

You have been offered the same advice or options on other thread(s) you have posted on this subject.

Edited

And I have put in place a lot of the advice from other thread, I don't do half of the things I was doing but a lot of it is futile for example so many say to contact SS. I've done this but they have no interest once they are aware of my parents finances. Also my mum's diagnosis of breast cancer changed everything because she has more hospital appointments now and more needs. It's hard to step back when your mum has dementia and cancer.

I suppose what I was looking for, as this is the elderly parents area, is someone who understands what I'm up against. Just some support really.

OP posts:
AlphaApple · 30/01/2025 16:04

Tough love OP? Stop doing anything for a month and then only agree to help again once your father agrees to certain T&Cs? really hard on your mum in the short term but maybe it's what needed.

Your sister also needs to be on board.

Sending much love, it sounds so exhausting.

ByQuaintAzureWasp · 30/01/2025 16:07

TheYearOfSmallThings · 30/01/2025 09:04

But the truth is I claim the CA. I have never told him because he has never offered me any money for helping them and it's the only way I can currently help them out whilst not working. I honestly don't know what he thinks I actually live on, my dh doesn't earn a super high salary, just above average but my father thinks he should support me financially whilst I help them out. And if he knew I was claiming CA he would expect me to do more than I already do (which is alot). All for a measly £80 per week ffs.

Is that even legal?!

By all means tell him you need to go back to work and let him sort things out, but claiming that allowance without either of your parents being aware doesn't sound right to me (no expert).

She's doing the caring, of course it's legal

ByQuaintAzureWasp · 30/01/2025 16:14

That's so funny that he thinks your husband should fund you, but he won't fund your mum's needs. Classic.