She is considering charging her 72-year-old mother rent to live with them—a 45-year-old woman has had enough of her entitled mother, who, after 11 years of living with them, has mounting debt again, despite having no living costs, and doesn't help out

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An adult daughter dances during a nice moment with her mother in the kitchen of the house where she lives with them.
My mother (72F) lives in my (45F) home with me, my husband (50M) and our son (21M). Mom has lived with us for 11 years now, we bought our house 7 years ago but she moved in with us when we were still in an apartment. We offered her to stay with us then after a VERY
LONG series of bad financial decisions on her part that led to her filing bankruptcy and not effectively holding down a job. We did not ask her for any money while we were still in the apartment, just asked her
to pick up some groceries occasionally. We gave up our master bedroom with private bathroom in the apartment so she wouldn't have to share a bathroom with our son at the time.
When we were getting ready to buy a house, a full year out, we asked her before we even started looking if she was planning to continue staying with us or not. We all discussed and agreed that if she
was staying with us when we moved, then we needed some contribution from her because we needed to build an emergency fund and some savings. I had been covering all the expenses but it was
unreasonable for us to do that forever. She agreed. By this time she was working again and she had 4 years to save money and stabilize. She said she wanted to stay with us, so she was invited to participate in the house shopping process.
We went with a new build and came down to two options IF she was staying with us: a 3 bed/3 bath with an open den, but the bathrooms were not attached to the bedrooms, or what we chose a 4 bed/3 bath - with ensuite bathrooms - one being. a "jack and jill" connecting my son's
room to the smallest room, which is my office. Mom has an entire quarter that's entirely hers. If she was not going to stay with us, we were going to go with a 3/2 instead.
Mom liked the one we purchased best, but it was a significant price jump as the square footage difference was significant. When I ran the numbers, we agreed on $500 per month from her.
Well, we made the deposit, waited a year for the build, finally moved in and money was not forthcoming from her. She did contribute to some new house expenses - around $2000 total that we did NOT ask her for, just things she decided to buy "for the house". After 9 months I sat down with her and said we appreciated the house items, but as we talked about we did need her to contribute the $500 each month.
It went fine for a while but then she secretly racked up a ton of debt again (on her own, I have no idea on what, all on credit cards) And she started getting passive aggressive and making little resentful comments that she couldn't do things because she had no money. I
didn't know about the debt at the time because she is not transparent and hides things. It has only gotten worse over time and as she's gotten older. She's now retired but her retirement income alone is almost equal what I make in a month. She has no expenses other than her debts and what she buys for herself.
We pay for her phone and tablet - we added her to our family plan and her share is about $75/month. We buy all the groceries and there is plenty of everything, she only needs to buy something if it's a food the rest of us wouldn't eat or buy. She wanted Netflix and paid for it for 6 months and then her card kept declining so we took it over. She
wanted a new mattress, we replaced her whole set. We don't ask for help with utilities or anything else. She does let us use her car because ours d d unexpectedly and I can't take on another car payment right now, but we rarely use it as I work from home and we don't go out often. The mortgage payment has gone up substantially in the last 7 years due to taxes and insurance increases. I've never asked for an extra cent from her.
But every month it's like pulling teeth to get her to contribute. She also doesn't lift a finger around the house, including cleaning her own messes (like dishes). I know she has also complained to her friends and some family members that we "charge her rent". I don't know why she thinks she should just get a free ride from me. We've had a difficult relationship since I was a teenager but I'm an only child and I didn't want to see my mom end up homeless. She's also had health issues and there's
I don't think I am, but I'm starting to feel like I'm taking crazy pills with how she's acting about it. AITAH for charging my mother $500 a month rent/room and board?
NTA. If her retirement income is nearly equal to yours and she has almost no living expenses, where is the money going?
An older woman and her adult daughter, as in the story.
Affectionate-Bit-341 NTA. you also wouldn't be the a hole if you kicked her out. she is in the situation she's in because she did not learn financial literacy or to take responsibility for herself, and now she's trying to gaslight you into enabling that. stand firm. it's your house. and you're entitled to charge her rent, sue her for unpaid rent, evict her, etc.
also, stop buying her stuff. don't pay her streaming services. she is not a child. enabling her bad behavior is harmful not only to you and your life, but to her as well.
FoxieMail OP We did stop buying her stuff or replacing things outside of genuine gifts at birthday or Christmas. I picked up the Netflix because we have started to use it also but I did cut it off for a while.
Witty_Leek8053 Stop paying for her phone, tablet, Netflix or food. She doesn't get the password for the Wifi. You don't buy anything specifically for her including food. You must prioritise saving an emergency fund and for your own retirement and your child's education.
I am so shocked that a parent can be so utterly selfish and just leach off her child and at the expense of her grandchild's future as well. FoxieMail OP I stopped buying any "extras" over a year ago and I know she's still spending. The worst part is when she buys herself "special" groceries and then just forgets about it and it all goes to rot and gets thrown out.
What's crazy is she doesn't come home with a lot of shopping or anything and isn't really buying herself any new things so I really don't know where the money is going. I've been prioritizing saving and investing for us and our son and I've saved up a substantial but nowhere near what it should be to plan for our own retirement!
Hap2go I know shes hiding financial things from what you've said. It sounds like its very possible she's being scammed, especially if you feel her cognition is declining. You really need to sit down with her and have a come to jesus discussion.
FoxieMail OP She has always been bad with credit cards, like some magical fairy is going to pay the bill at the end of the month. Probably because when my stepdad was still around he had plenty of money and that's exactly what he did. But she was always an irresponsible spender. I don't have any reason to suspect she's being scammed but I'll have to dig around her phone and tablet.
FrabjousD Nope. NTA. You bought a bigger house to accommodate her. Rentals are roughly $1000 per bedroom, so she's getting a major deal. FoxieMail OP That was the main point. She is also very aware that she cannot afford to live on her own and would not get anywhere. near that price even with roommates.
Sometimes she is actually grateful but most of the time we get attitude. I think she's embarrassed about being in debt again.
Polka Dot Dancer I think it's time to give Mom notice. Because right now you're being a sucker for her. She wants to be a magnificent grandma to everyone, but you, the person who's paying the bills. Kick her out, sell the house, and buy a smaller one. NTA
Dry-Vacation2439 NTA but you would be the a if you let this continue. Put your foot down and tell her she can choose to pay next month and every month going forward or she can choose to move out.
Appreciate1A I'm an older mom that now lives in the family home I gave them the downpayment for. I pay rent. More than $500. That's a bargain she can't meet anywhere else. NTA FoxieMail OP I appreciate hearing that from the 'mom' perspective, thank you

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