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Monday, March 24, 2008

When Not to Give Personal Finance Advice



Well...Mom is mad at me! Frankly a Holiday wouldn't be a holiday without it. It is really a case of me not keeping my mouth shut. I know better, but I apparently have the mouth control of a 15-year old at times.

Mom is going through a pretty nasty work period that finally came to an end with her employer terminating her when she found out she had severe Carpal-Tunnel issues with both arms. Instead of even telling her that there was an option for long-term disability, they terminated her...after 14.5 years. She was also having a difficult time with a lady who is the de facto second in command...but #1 in raw evilness. This health issue was just an excuse to off her. Mom knows it, they know it...heck her dogs know it. Well it looks like there is a good chance they are going to settle for a decent amount. Not live off of it forever sort of money, but a good couple of years money.

Money was already tough. Mom likes to spend and believes if they have credit, they have money...Now you know how I learned my awesome money management skills. After earlier saying how it was tough right now (and yes we did strongly offer, BTW before I get the hate mail) she said at dinner that if they get the settlement they are going on another cruise...WHAT?

I said..."Why don't you pay off your Credit Cards and save the rest so you don't end up eating cat food!" (Silence - With Eye Daggers)

Not knowing when to stop..."You guys really need to get your expenses under control...I am happy to help" (Silence - With Double Death Eye Daggers...)

"We'll be fine" (Ice forms over all nearby lakes and streams)

See the point was, not that the message was bad...just the timing. With all of this being raw it wasn't the time. Later and alone would have been better and not as embarrassing to her. it is all pride on her side, but I get it, I got it before I said it. If you want to help you have to know when...and when not to.

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