Mother keeps spending money rather than saving it.
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So I live with my mom and we split the rent 50/50 sometimes I give her 2/3 of the rent because I want her to save up. But she doesn’t do that. She goes and buys unnecessary things. Like just yesterday I found out she went and spent 1200$
And when I ask her if she has savings she tells me:
“You have to enjoy life. And you can’t take any money when you’re dead”
And I ask her,
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“how much money do you have for an emergency?
And she says:
“I have some but then I also don’t have because I gotta pay debt and bills”
Which is why I often pay most of the rent. I have a small emergency fund but I’m concerned for her not having any.
How can I help her?
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Netizens’ comments
- In my experience, you need to stop helping her financially. You pay your half of rent and that’s as much as you do for that. If you care for your mother, continue to teach and explain these things to her, but don’t enable bad habits.
- You can’t. The only person who can change her is her.
You can lead a horse to water, but you can’t make it drink. - My mom’s like this too. She’s gone through bankruptcy twice and is still terrible with money. Sadly you can’t force people to change. I’ve had to distance myself from her a bit because I was enabling her by giving her money and then getting really upset when I’d see her blowing money on useless crap. The best thing you can do for her and yourself is to distance yourself and stop enabling her, but I know how hard it can be