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Elderly parents

Elderly parents and finances…

60 replies

itscomplicatedagain · 17/09/2025 18:24

My parents are late 70’s and 85. In fairly good health and reasonably comfortable financially.

My main concern is how my mother will cope when my father dies.
She’s incredibly dependent on him to manage finances and things like central heating controls, driving, turning the TV on and off and other basic tasks as she finds it too complicated. I don’t think she has any cognitive problems but it’s a combination of laziness, anxiety and enjoying being looked after by my father. She has always been the queen in their relationship.

Their adult children including me, tiptoe around her as she can be volatile, and stubborn and always has been. She is a black and white thinker and incredibly lacking in self awareness.

She told me recently that she has no wish to learn anything about her finances but that I will have to sort it out for her when my father isn’t around.
My other siblings aren’t as local to them as me apart from a brother who has a high flying career and is and therefore ‘too busy’ to help- my mother’s words.

I’m a single parent with 3 children and two of them have additional needs and I work 4 days a week.
I feel resentful about her assumptions and frustrated by her refusal to take any responsibility. I feel I don’t have a choice but to step up when the time comes. How do others manage the resentment? I feel selfish but I do help them out with small tasks already and make an effort to see them at least twice a week. I also take them on holiday sometimes.

OP posts:
EmeraldRoulette · 23/09/2025 17:47

cupfinalchaos · 17/09/2025 22:07

I’m ashamed to say I’m the same.. although a lot younger, and I let my dh do everything. It’s laziness and there’s no other excuse! I’m aware though that as I get older I’ll have to be doing more as i don't want to put it on my kids..

just reading that makes me really angry

You know you're lining up a world of pain for your kids and you don't even care.

hopefully, they have the strength to walk away when the time comes.

cupfinalchaos · 23/09/2025 21:43

EmeraldRoulette · 23/09/2025 17:47

just reading that makes me really angry

You know you're lining up a world of pain for your kids and you don't even care.

hopefully, they have the strength to walk away when the time comes.

You obviously chose to ignore the last part of my post which says I will be doing something about it. I have lovely kids so no they won’t be walking away, just like I haven’t ’walked away’ from my parents.

Let’s hope when AI takes over and you’re elderly and need help yours don’t feel like you do! Lovely people on here…

Allthesnowallthetime · 23/09/2025 21:49

Can relate. My dad died recently and my mum said that my sibling and I "would have to" manage her finances.

I am so tired.

EmeraldRoulette · 23/09/2025 22:01

cupfinalchaos · 23/09/2025 21:43

You obviously chose to ignore the last part of my post which says I will be doing something about it. I have lovely kids so no they won’t be walking away, just like I haven’t ’walked away’ from my parents.

Let’s hope when AI takes over and you’re elderly and need help yours don’t feel like you do! Lovely people on here…

Actually, you didn't say you were doing something about it

You said you were aware that you'd have to

Many people who have dealt with the consequences of the capable parent suddenly being ill will feel as strongly as I do

For the sake of your children, start now. I've seen that whole "get it sorted tomorrow" attitude and it is truly appalling for the people dealing with the fallout.

I don't have children by the way

I would never abandon my mother, but given what I've been through, I sometimes wish I could

If my comment means that you actually do start now, then I will have done something worthwhile.

EmeraldRoulette · 23/09/2025 22:02

Allthesnowallthetime · 23/09/2025 21:49

Can relate. My dad died recently and my mum said that my sibling and I "would have to" manage her finances.

I am so tired.

I really thought I was going to die when I had my nervous breakdown. It's incredible the damage these sorts of parents do.

I hope you and others on this thread are okay.

PaterPower · 03/11/2025 09:33

I can understand the resentment, although I don’t have a magic bullet for it, unfortunately.

If this is going to fall in your lap regardless, I would try and find the time to sit with your Dad now, and have him tell you where everything is, passwords etc (as a PP suggested). Yes it’s hassle, but it’ll be a lot less hassle than trying to resolve it when you’re grieving his death and trying to get bills, funeral costs etc settled quickly.

Billybagpuss · 03/11/2025 10:41

Lots of good advice here a few practical things:

be dismissive of the assumptions, when am I going to have time for that mum, I’ve got a job a house and 4 kids to organise

make sure as much of finances and bills are set up on direct debit now. When PoA is necessary you can then just set up internet banking and keep an eye from afar.

get her used to internet food shop

give her jobs. Ok I can do that but you need to phone x,y,z first I’ll do it when you’ve done it.

DH has just ordered my mum a new tv remote that literally has on off change channel and volume. Not sure how well it will work yet.

start setting your boundaries now and state your time restrictions.

trust me I’m currently at the point you’re dreading.

Lobelia123 · 03/11/2025 10:42

Thejollypostlady · 17/09/2025 18:33

Your mum may well die before your dad.

In the timeless words of Mr Bennet in Pride and Prejudice . . . "My dear, do not give way to such gloomy thoughts. Let us hope for better things. Let us flatter ourselves that I may be the survivor". Apologies, its not helpful but it is good to keep a sense of humour in these stressful situations! As you were :)

gallivantsaregood · 16/11/2025 14:17

itscomplicatedagain · 17/09/2025 18:24

My parents are late 70’s and 85. In fairly good health and reasonably comfortable financially.

My main concern is how my mother will cope when my father dies.
She’s incredibly dependent on him to manage finances and things like central heating controls, driving, turning the TV on and off and other basic tasks as she finds it too complicated. I don’t think she has any cognitive problems but it’s a combination of laziness, anxiety and enjoying being looked after by my father. She has always been the queen in their relationship.

Their adult children including me, tiptoe around her as she can be volatile, and stubborn and always has been. She is a black and white thinker and incredibly lacking in self awareness.

She told me recently that she has no wish to learn anything about her finances but that I will have to sort it out for her when my father isn’t around.
My other siblings aren’t as local to them as me apart from a brother who has a high flying career and is and therefore ‘too busy’ to help- my mother’s words.

I’m a single parent with 3 children and two of them have additional needs and I work 4 days a week.
I feel resentful about her assumptions and frustrated by her refusal to take any responsibility. I feel I don’t have a choice but to step up when the time comes. How do others manage the resentment? I feel selfish but I do help them out with small tasks already and make an effort to see them at least twice a week. I also take them on holiday sometimes.

My response to her,demand that you would just have to sort everything would have been a firm,"I absolutely will not be doing that. I suggest you either learn now, or put something in place for when it happens".

CharBart · 16/11/2025 19:40

We’ve been in a similar situation. The parent who did all the finances died suddenly and the other one had no clue having let the other one sort all of that out throughout their marriage. They’d also assumed the non- financially competent one would die first due to their various medical issues…
Talk to your dad now. Get him to list all the accounts and consolidate as much as he can now to reduce the number of accounts you have to deal with. This was a massive issue for us, multiple Isas etc and no clear records what was where. Also a list of insurance providers etc and renewal dates.
To be honest if they’ve never done this stuff it’s probably easier to take over than try to teach them. But make sure they do what they are able to do e.g if they are used to making online payments, online shopping etc they keep doing that instead of you taking over.
And it can definitely be done remotely! It is in our case partly as the local sibling would struggle themselves.

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