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Is she competent? If so, you're definitely need to remind her to take responsibility for basic daily expenses or pay the consequences later. As for funeral, I strongly agree with you because if you can't afford to pay for someone else's expenses then you should definitely remind her of that. She definitely needs a wake up call on reality because too many people assume that everything will be taken care off after their death, only to financially strained the family later. She needs to make sure her arrangements are paid up along with opening and closing of the grave if she's having a traditional burial. If she's competent, she really needs to take some serious responsibility in this and other areas. Take for example the food situation. What if she ran out of money and could not buy food? If the food bank wants to see receipts of where all of her money went, they may decide not to help her if they discover she wasted her money. Another situation is paying for housing and utilities. What if she was homeless during winter with no shelter? She would not survive the elements. She really needs to be reminded to take care of herself or pay the consequences. Tell her in advance that if she runs into a financial shortage because of her spending habits that you won't be supporting her because you can't afford it afford to. She definitely needs to be warned well in advance and you yourself are struggling financially and you know that if she goes down financially that you cannot pick her up and carry her financially. You definitely want to find out where all of her money is going. If she's already strapped in paying for necessary expenses like past bills then that's definitely understandable because she's at least making an effort to pay off old bills. If this is not the case, then you definitely need to find out what's really going on and why. One thing to remember is that with Christmas coming up, she may actually be buying Christmas gifts for people on her Christmas list. She should be reminded that our money is a one time gift that won't last forever if she doesn't spend wisely. If it turns out that she's really incompetent, then what you may end up having to do is to go for guardianship. Guardianship is a very big responsibility with a few downfalls. Let's say she wants money for something but you've already taken over all of her financial affairs. She may get mad if you don't give her any money beyond whatever limit you may have set for her. She may even accuse you of stealing her money, which in some cases turns out to be right when guardians misuses the money of the principal. However, this is not always the case because some guardians actually have the principal's best interest at heart. If you find that you must go for guardianship, You'll want to try to do it in a way where are you and your mom are both happy. Some people are certainly not happy about having a guardian over them since guardians basically control their lives. However, sometimes having a guardian is necessary in some cases, but having the right one is key to providing a happy life for the principal.
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Oh, honey. You are right to be concerned.

If she is an alcoholic, you will not be able to get her to see the light. She has a long way to go on understanding herself and, given the circumstances, not enough time for that to happen.

I say, get thee to a lawyer. FAST!!!!!
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Pursue Guardianship. She will get mad and slam the door on the court liaison, but that will only work in your favor.
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