In the past my MIL has help DH and I out with babysitting so we could work and loaned us money a couple of times(we paid her back). She has gotten in over her head financialy. New fence and replaced the air conditioning in her house. She financed both. So her money is always tight. This month she asked us to borrow money. We have it and very easily could help her. I don't want to because she is sitting there bitching about not having money but she still has cigarettes. Me and DH both quit for various reasons. I told him why I dont want to loan her money he just said yeah i know but is still wanting to do it because that's his mom.
I just feel that if she can buy cigarettes she should be able to pay her bills. We have helped her out with groceries from time to time.
Ok most of you think I'm wrong. It's not just because she smokes that I don't want to loan her the money. It's because her money situation is not going to change. She is on a fixed income. She asked me for help with her budget. I sat down with her and every single suggestion I made she shot down, I suggested just going to internet only and cutting the cable. Told her I would let her use our netflix account. Nope. I suggested downgrading her cell (she's not on a contract) nope. DH suggested smoking cheaper cigarettes. Nope.
I asked her when she would be able to pay us back and her response was I don't know. She already owes two of her other children money. She refuses to make any cuts anywhere at all.