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Parents borrowing money from 19 year old daughter
I'm honestly not very active at all on fp anymore but right now I'm going through a hard time and I just need to vent.
I'm nineteen years old and my parents are constantly borrowing money from me and hardly giving me anything back. Since I started working working at my first job when I was 17 I've been giving them money here and there some 40 to 60 bucks other and sometimes I was putting a couple hundred into rent and other bills. I never got my drivers license My plan was to wait until I was 18 so I wouldn't have to hold a permit but they changed it so even if you're over 18 in the state of ft you have to at least hold a permit for three months and also I was hoping to have more money saved up to pay for driving school. As of right now I work part time making minimum wage I'm limited to how many days a week I can work because my parents drive me to and from work and I'm forced to fit into their schedule so I'm limited to how much money I can make. At the start of May of this year my mom asked to borrow six hundred dollars. My whole savings. I wasn't happy about this it was overwhelming to think about and I didn't think I'd be getting the money back but she insisted I would. Anyways long story short she never gave it back to me. She then guilt tripped me into giving her another four hundred. Since May of this year up until now I've put give my parents 1000 dollars. That's a lot for a 19 year old who only works part time. She's taken all my savings, and what I got for tax returns earlier this year. Leaving me with nothing. I'm not in school right now I never went to collage because I have to work and a four year collage wouldn't work out for my situation. Once I have my license I would like to think about going to a trade school for maybe dental assisting. The agreement I made with my mom was that she didn't have to give me money back as long as she needed borrow anymore and she paid for my driving lessons so I could finally get my license. However she quit her job after two weeks of finding one because it was too stressful before she even found anything else knowing that my father only gets paid every two weeks. Which paid was short almost two paychecks so she asked for mine last week I had to give her 140 this week she needs 200 for the cells phone bill which she swears I'm getting back on September 24th. She found another job but she's already complaining about it. She complains about every job she has and constantly quits and looks for knew ones. I'm stuck in a situation where my parents still treat me like I'm sixteen because I leave at home yet I'm not able to move out because I don't have the money because they take it all and I don't have my license or a car because I can't save for it because once again I can't save for it. If I try to tell my mom that I can't keep helping them because I have to worry about getting my license saving for a car and figuring out what I want to do with my life she'll tell me that if I don't help them then they don't know what they're gonna do and they just won't be able to pay the bills. Which means I have to worry about if I'll have a roof over my head or not if I don't fork up my whole paychecks to them. My parents never seem to worry about my future or what I'm going to do with my life when I try to talk to them about it they will sigh at me get pissed off and tell me I just worry to much. When ever they've needed me to come through I've helped them but when I need them it doesn't matter it's not a priority and it gets put I'm the back burner it doesn't matter to them how long I wait. My mom has even gotten mad at me over stupid things and has said she'd kick me out he house knowing I'd have no where to go and I've given her all my money and savings. I've tired to talk to her about how uncared for I feel and she'll turn it around and making it about herself and say it's a slap in the face and it hurts her feelings when I say that. It's basically like I'm not even working I work hard at my job, I don't have the best co workers, and I have nothing to show for my hard work. I'm not able to move forward with anything because it's a constant cycle of my mom taking everything I try to save. She's even asked me to pay for her cigarettes more than once and she plays the lottery everyday constantly talking about how she wants wants to win a huge amount of money. I made my permit appointment and couldn't get in until November 28th my goal is to try to save pretty much my whole paychecks up until that point and all my paychecks while I'm holding my permit since my mom promised her and my dad put pay for my driving school. But I'm worried she's not going to give me the 200 she owes back on the September 24th and I'm worried she will say she can't pay driving and I'll have to try to pay for it even though I sometimes only get 14 hours a week at work. I'm trying to get a goal to have my license and car by March or April of 2016 and I told my mom I have this goal and can't keep giving them large sums of money but she doesn't seam to get it or take it seriously at all. I'm trying to make it in life and do well for myself and I'm stuck moving no where and my parents are standing in my way with the guilt trips and borderline bullying me into giving them money I don't know how to say no to them. I don't know how to get them to stop using me and my paychecks. |
This might seem a bit unfair to your parents, but have you thought about making up a contract with them for any money they borrow?
My parents borrowed a lot of money off me when I was 16, and we made a contract with a payment schedule to cover all our backs if there were any issues/fall outs at a later date. You can get basic outlines for these sorts of contracts online. |
It seems to me that you have two choices:
1. Move out into your own place, so your own money is your own. 2. Come to an agreement to pay a set amount of money towards household expenses. If you are living there, you should expect to pay something to help towards the bills. |
The One Who has some very good advice. I'd set up an agreement where you pay an agreed upon amount for expenses and that's it.
It might also be worth it to set up a bank account to try to save money in a more secure location. |
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