Money Matters
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Tired of always picking up the tab!

I need advice on how to handle this. My younger sister, who is an adult and married, with one child and one on the way, always expects me to pick up the tab. I am a working mother, married, with one child and one the way too. She doesn't work but they are always broke. She is not not working because they are comfortable but because of laziness.  She often complains to me about her husband spending all the money and they are broke.   It's even gotten to the point where her husband thinks I will pay too. Often times its just me and my 1 year old out with her family (my husband doesn't want to come!). So that puts me paying for her family while my son and I hardly have a tab. I should mention they don't do it cheap either, drinks and dessert for everyone.   I try to avoid doing things with them because it's so expensive for me.  If we travel to another city she doesn't pitch in for gas.  If we go to an event she doesn't get me money for her ticket or admission. 
One dynamic that makes it hard is that we lost our parents when we were young, I was a freshman in college and she was a sophomore in high school. She had to finish her high school years living with our grandparents. I feel like she got so spoiled and was never taught the proper etiquette when it comes to paying your own way.  That and always knowing how broke they are makes me feel bad for her so I end up just paying and hating it.  But also I love being with her as we don't have our parents or grandparents any more, so she's all I have for family.  I just need her to know I can't cover them anymore. Any suggestions?! 

Re: Tired of always picking up the tab!

  • I would just be honest and say you can't cover the tab.  If she wants to go out for lunch, make it clear that she has to pay her own way.  Don't buy tickets to events either.  If this has been an ongoing habit, it might be hard for her to accept but you have to start somewhere and be honest about it.

    If you're worried about spending time together, get together at each other's houses to have dinner.  You can't control your sister and her family's finances but you have control over your own.  Good luck.
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  • "Hey sis, do you want to meet up for lunch?"

    "Sure, but I only have enough to cover me and DS, are you good to pay for your own?"
  • I agree with PP. Also, look for free things to do that don't involve tickets or food. Then, you can spend time together without the cost. People don't have to be eating to have fun and they don't have to go to "official events" either to have fun.

    For example, one of my favorite recent memories I have with my sister (we are close too) was sitting beside Puget Sound on a picnic table playing Yahtzee. Totally free. We both look back on it with fond memories.

    Also, if you two are so close, why not talk about how she and her DH could fix their finances. My sister and I are sometimes blunt with each other out of love. You could say, "If you're broke then what have you tried to do to not be broke?" Have her come on here to MM for ideas and reality checks!

    Overall, I agree honesty is the best policy. If she's not willing to fix her lifestyle and chip in for costs, then you need to do free things to spend time together.
  • I'd be upfront with her and tell her you cannot pay.  If it happens again, stop going out to places that require money.  Maybe you can swap lunch dates at each others' houses.
  • I agree with PPs, just let her know money is tight so you can't treat. This might open up a dialogue on her own financial situation and if you frame it as a difficult expense for you it won't come off as judgmental (not that you are, but I know it can be easy for some people to feel defensive). You can also focus on making a meal at her home, more affordable and extra family bonding time!
  • I'm with others, stop automatically buying tickets to include her. Just buy tickets for your family. If it's something you think they would enjoy, tell her, hey we're  going to this event, but we can't swing tickets for everyone, if you want to go, this is the ticket price & I need the money by this time.

    To spend time together, invite them over & then maybe order some pizza, that's a cheap night in and maybe grab something for dessert from the store. If they ask you out, let them know in advance, hey I know I've been picking up the tab a lot, but I need to cut back on expenses with the baby on the way, I can only cover my family. If they say oh never mind, then it's on them. But you have to put your foot down at some point, else how will they ever learn.

    So them by example on how to live a good life without spending a ton of movie, like family trip to the library to pick out movies & then either order pizza in or get the ingredients so that everyone can make their own little pizza. Or play date at the park where the kids can run around and burn off energy & you pack a picnic lunch for yourselves.

    If she continues to complain about her financial situation, ask her, what are you doing to change things? That is my biggest things, people who complain and complain be it about their money, family, work. relationship or health issues, but never do anything to change things.

  • Thank you all for the replies. It seems so simple to be honest with her. She is someone who gets defensive when I have mentioned her paying her own way in the past. And I just don't understand that. 
    This is really something I need to work out with another baby coming. 
  • You may want to have some of the discussions mentioned by PPs.  And then reinforce if you are at a restaurant.  As soon as you order your first items (usually drinks) ask the server for separate checks. 

    I get into situations where no one asks for separate checks up front and then when the bill comes we are trying to figure it out.  It is so much easier just get separate as soon as possible.
  • Even if she gets defensive, just tell her that this is what you need to do for your family in order to make sure you can pay all your own stuff.

    Saying that may make her re-think their finances as well.  If they truly are always broke.

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  • What about suggesting family dinner night once a month at the others house. That person is responsible for dinner & entertainment which can be a movie, board games or something else that can include the kids. How expensive it gets, depends on what you prepare. It can be a simple pizza night or even a frozen ravoli and French bread pizza. You can easily make an affordable meal for a family of 6, for about $20. And if you guys aren't always footing the bill, maybe your husband will start joining in.

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