Dear Deidre Guides Greedy Son

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.

My mum always says yes when I ask to borrow cash, and I suppose I take advantage of that

My mum always says yes when I ask to borrow cash, and I suppose I take advantage of that

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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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Every problem gets a personal reply, usually within 24 hours on weekdays.

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.

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