Mother in Law Chaos

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Discussion

WinkleHoff

Original Poster:

769 posts

248 months

Sunday 4th May
quotequote all

Here is the deal. My MIL lives in a different country. She cannot work due to various health issues, so has no regular income other than benefits. About three years ago she was forced to move house. She has been sinking in to debt, and lives beyond her means, something I foresaw three years ago, but my warnings were not heeded. Since then, she has taken on another dog (that's three dogs now - why???), runs a car she cannot afford, and could probably live in slightly smaller, cheaper accommodation. Her debts have now mounted to at least £10k, she has no hope of paying that off. They will probably continue to get worse. Over the last three years we have probably paid her a good £3k just to keep her vaguely afloat, without making any inroads in to the debt. My brother in law is an absolute joke, and refuses to help, even though he could. He is a disgrace.

I have notionally offered to my wife to pay off her credit card, on the condition that she cut the card up and close the account. no commitment to that yet, I would also wish for her to consider moving to a place where she does not need a car, as her country has excellent public transport links generally.

Its really driving me mad. I have my own kids, I work like crazy, and we have our own financial commitments. All I can see ahead is just a constant financial drain, with my wife's brother (and other family members) contributing nothing whilst Mr Muggins here works himself in to the ground. That is really making my furious, and also quite resentful.

I feel that if I pay this credit card off, people will just now expect constant bailout. If I don't, she will be in real trouble, pretty quickly. Not sure what to do.....

Digger

15,543 posts

204 months

Sunday 4th May
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How much is the current CC debt?

Digger

15,543 posts

204 months

Sunday 4th May
quotequote all
Sell the car & swap for a runabout?

cliffords

2,402 posts

36 months

Sunday 4th May
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What will stop her running up another similar debt . No incentive to not do so especially if you bail her out .
A very noble gesture however you may get taken advantage of .

LRDefender

314 posts

21 months

Sunday 4th May
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Can your MIL sell up and move in with you and your wife? Surely that would solve the debt problem….

littleredrooster

5,881 posts

209 months

Sunday 4th May
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Mother-in-Law? Unless there are extenuating circumstances, not your problem; switch off and ignore after giving advice.

Bill

55,517 posts

268 months

Sunday 4th May
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WinkleHoff said:
All I can see ahead is just a constant financial drain, with my wife's brother (and other family members) contributing nothing whilst Mr Muggins here works himself in to the ground.
Hmmm. Sounds like the rest of the family understand....

If you bale her out you'll keep having to bail her out. If you don't it'll come to a head and sort itself out one way or another.

Mikebentley

7,254 posts

153 months

Sunday 4th May
quotequote all
What country is it? You can’t really win here and I think you know it. Some people have no idea when it comes to budgeting. I appreciate it’s your wife’s mother but if you keep bailing her out you will never stop as her actions have consequences.

Cotty

41,123 posts

297 months

Sunday 4th May
quotequote all
Bill said:
WinkleHoff said:
All I can see ahead is just a constant financial drain, with my wife's brother (and other family members) contributing nothing whilst Mr Muggins here works himself in to the ground.
Hmmm. Sounds like the rest of the family understand....

If you bale her out you'll keep having to bail her out. If you don't it'll come to a head and sort itself out one way or another.
Yep, why do you think the family members do nothing.

WinkleHoff

Original Poster:

769 posts

248 months

Sunday 4th May
quotequote all
Thanks for the responses everyone.

I could pull up the drawbridge and say nothing to do with me, but its eating my wife up and negatively affecting the quality of our relationship, because she is so stressed out about what will happen to her mother. It dominates every discussion. I have some sympathy for the MiL, but only limited, because she's not made some poor choices and has her head in the sand.

Her car is a very basic run around and is due its MoT...joy!

I feel her brother should be shamed in to realising that another bloke is supporting his mother. He should feel ashamed by that, but he won't.

CC debt is circa £5k. She seemingly can't consolidate, and she barely makes the minimum payments. The rest of the debt is a loan on lower interest.

My MiL should move in with the brother, after all, he lives down the road from here! But this is a man who picked us up at a hotel, invited me to his house for lunch, and stopped at the supermarket so I could buy my own sandwich ingredients. I'm not joking.

popeyewhite

23,007 posts

133 months

Sunday 4th May
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Les Dawson had some fine MiL jokes.

WinkleHoff

Original Poster:

769 posts

248 months

Sunday 4th May
quotequote all
Cotty said:
Bill said:
WinkleHoff said:
All I can see ahead is just a constant financial drain, with my wife's brother (and other family members) contributing nothing whilst Mr Muggins here works himself in to the ground.
Hmmm. Sounds like the rest of the family understand....

If you bale her out you'll keep having to bail her out. If you don't it'll come to a head and sort itself out one way or another.
Yep, why do you think the family members do nothing.
Interesting point. My BiL is, and always has been, a compete tight wad, and also ignorant/self centered. He's been like that before she got in to debt so he is just acting as he always has done. MiL's sister hasn't got a bean. Uncle tried to help but they fell out.

768

16,376 posts

109 months

Sunday 4th May
quotequote all
Sounds like you have a choice between continuing to fund her debt-fuelled lifestyle, or not.

I wouldn't blame the brother in law for his choice, however tight you may think he is. There's no relief to be found there for you.

WinkleHoff

Original Poster:

769 posts

248 months

Sunday 4th May
quotequote all
768 said:
Sounds like you have a choice between continuing to fund her debt-fuelled lifestyle, or not.

I wouldn't blame the brother in law for his choice, however tight you may think he is.
See above regarding the sandwich ingredients. You'll get the picture!

But what gets me is he has zero concern, so my wife carries all of the anxiety. He, on the other hand, doesn't give a stuff.

Dog Biscuit

736 posts

10 months

Sunday 4th May
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SOunds like you need to get a grip of the brother in law and tell him what's what

Skeptisk

8,897 posts

122 months

Sunday 4th May
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I don’t envy your position. It doesn’t look like you have any good options.

I think the best way to look at it is that money spent on the MIL is actually money spent on your wife. How much would you spend to make your wife feel better?

Muzzer79

11,841 posts

200 months

Sunday 4th May
quotequote all
WinkleHoff said:
I feel that if I pay this credit card off, people will just now expect constant bailout. If I don't, she will be in real trouble, pretty quickly. Not sure what to do.....
If you pay this credit card debt off, she’ll just run up more.

Your BIL actually has the right idea - it’s your MIL’s mess, she has to get herself out of it.


Skyedriver

20,358 posts

295 months

Sunday 4th May
quotequote all
Do no more, you've made your point, now let her sort it.
Start paying off her debts she'll just expect it again and again.
No mention of your wife's opinion.
If you did no more would she start paying, possibly behind your back?

miniman

27,887 posts

275 months

Sunday 4th May
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Don’t do it. She will just run it up again.

hidetheelephants

29,731 posts

206 months

Sunday 4th May
quotequote all
If the MIL is not willing to address the cause of her indebtedness or otherwise reduce outgoings as per Micawber's advice then paying it off is enabling her learned helplessness; do not do this.