DEAR DEIDRE: HOW can I stop sponging off my generous mum?
I’m a 19-year-old boy, and I often borrow money from her so I can buy things I want.
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I assume she takes advantage of this by always saying yes. I don’t always repay her.
That makes her feel guilty and sad.
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I’m not good at managing money. I’m a terrible money manager.
DEIDRE SAYS:You need to start taking responsibility for your own spending, and not rely on her kindness.
Stick to your budget. Family Finances is a support package that could be helpful.
You can set up a formal payment schedule if you have to borrow more money.