Family crisis reaches boil-Mom ready to kick me out of the house.?

Question

I am 27 years old and because I spent all the money on my credit card for what she says was not needed. I reduced my bill by $100 this month. I say I am progressing but she is so mad she will not talk to me ever again. She will not let me borrow 1 cent to if I am short 1 cent. Do I call debt fixers to help or I am just run away to get attention?

Answer 1

You should have been kicked out long ago! 27 and living at home and your credit is maxed? I wouldn't let you borrow 1 cent either.

Answer 2

Your mother is doing her job of being a parent to her son. That relationship does not disappear. She will always be your mother and you will always be her son. You two must have a good relationship but this is *your* trial issue 27 and not a relationship issue. Make sure you don't get into the habit of mixing the two by allowing a life struggle to over-ride or intrude on relationships. If you don't break this habit it could carry into your future relationships : (

Your mom is nudging you and no you aren't a bird that has to fly off and never return so don't listen to the anti-family rumors calling you mommy's this and that - how childish. Mom may have allowed frustrations to build up and is on edge but truthfully it is quite hard to watch our adult sons/daughters mistreat their lives - give parents a break here and work on what your parents know you are capable of. Face it - you are not a child any longer nor are you an elderly person who needs assistance from family due to ailing. It is because we love our sons and daughters and we wouldn't be parents if we didn't nudge even when our sons/daughters are going thru a trial. Your mom doesn't hate you. It makes parents a bit nervous and in some cases compassion, if abused, can turn into "boil" 27 (respectively). Which you probably do not mean to be doing and moreso need a solution for this trial.

"I reduced my bill by $100 this month." - good. So now a savings account could be another small step forward. What ever it is that you can put in this savings account on a weekly/bi-weekly routine you name the number. It will need to be in addition to what you are handling now with your credit card. If something silly needs to go you search for that and get rid of it or put it on the back burner for a bit. Back to the savings - If you have to start small then so be it ..that number can change because it would be your bank account therefore can grow as another small step. Don't touch it once it's in there because your going to be the one to draw that money out in one lump sum - this is for your goal of getting an apt, trailor, flat etc. Once you achieve that the same savings routine/habit can afford you into ownership of a home eventually. There are a lot of neglected homes out there.

Share with your mom *calmly* and in healthy attitude what your goal is after U have worked this out on paper and most importantly do not make this an unreachable goal. This needs to be a realistic goal or I'm sure the homeowner (mom) will notice a wasted conversation. You CAN do this and let mom in your plans. U also could add, in a calm positive tone, that you do not need to be monitored or visited about this because you have no inner misgivens about this goal and new routine. Live in the truth.

Today is the day to ponder the reality that small steps are better than no steps. ~ Mind body and spirit ~ smile : )

Answer 3

By the age of 27, you should realise that you and you alone are responsible for your debts. I don't blame your mother for not lending you any money - you've already proven how incompetent you are in handling what you've had.

Don't add to that by getting a loan from a "fixer" to pay off your outstanding debts. These people charge an arm and a leg for the "favour", and you'll end up owing still more, because of the exorbitant interest rates they charge.

I hope you have a job? Start saving each month, as much as you can possibly afford, to pay back your creditors. If need be, get a lawyer to write to all your creditors setting out for them your current financial position and explaining what you are proposing to do to settle your debt to them.

If they know that you are making plans for regular repayments, even if they're small amounts, most companies won't proceed with prosecution. That's costly for them, and there's no point in legal proceedings unless they have some expectation of recouping their outstanding debts. They'll know from the lawyer's letter that you haven't got the amount you owe, so they should be willing to let you pay off what you can afford if honour your commitment to do so regularly, even if it takes a long time.

Meanwhile, look for another part-time job, and use all the money you earn from that to repay your debts. Your mother's anger is very understandable. She must feel totally exasperated to have a son your age who is so completely irresponsible with money. You're lucky that so far she's made it easier for you by giving you a roof over your head, and no doubt providing food as well.

Get a grip! This is your responsibility, and only you can get yourself out of the mess you made.

wimsey

Answer 4

is this a joke question?

Here is one suggestion. Get a second job and start paying rent. That will make your mom happy and getting out of the house will ease tensions as you won't see each other.

Bottom line, if mom lets you stay at her house at 27 to catch up on your bills, that is a gift.

Answer 5

Time to take responsibilty for yourself... Your mum wont always be there, and you need to accept that and live your own life. Im 26, engaged and have had our own place (mortgage of $300k) since I was 21. You need to get serious now or you will end up with nothing of your own...

Answer 6

you are 27 years old and still at home??? smdh. i wouldn't loan you anything either. It's time to get out of the nest.

and how the hell do you run away at 27??? you are grown, just move out!!!! Now!!!

Answer 7

You are 27!!!!!!!!!! Why are you still depending on your mom for finance? Go and start living on your own. Take over the responsibility for yourself.

Answer 8

You're twenty-seven years old and still not grown up? GET A PLACE OF YOUR OWN!! Pay your own bills; eat your own food; solve your own problems. RUN AWAY??? How does an adult run away? GROW UP!

Answer 9

You are just like my brother, a worthless leecher.

GET A JOB. What you are doing is wrong and pathetic. If you have a job, quit spending money you don't have and then try to steal it from your parents.

Answer 10

Unless you are mentally retarded your mom should have kicked you out years ago. 27 and still sponging off mommy?