Am I a terrible person?

Pollycat

theoretica wrote: »

You could put your savings into fixed term accounts if it would help protect them from your siblings' poor budgeting.

Why should the OP put his savings into FT investments just to protect his money?

It's his money, he should be able to do whatever he wishes with his money!

FTR I'm not dissing any suggestion of investment.

melanzana

In an emergency I would have no problem lending money to my siblings ever. But I'm talking about one off here.

One time, my brother and his wife were moving house. They needed 5k to cover costs etc. They would make a profit on the house.

I gave them the money, and they paid me back once the sale went through + 500 on top as a thank you. I didn't want or need that but they insisted. Holiday for me!

On the other hand, there is no way that I would subsidise someone else's lifestyle. I had to budget for years to get to this stage in my life, so if I can do it so can they!

A friend recently asked me for 500 for bills. She is going through a tough divorce and was desperate. I said ok, give me the utility account numbers and I'll pay them for you. She wanted cash. No Siree. I am kind hearted but not an idiot.

Friend never mentioned the matter again and we are still friends!

Best of luck OP, it's not easy, but being an enabler is VERY easy, and you will never escape.

They really have no pride. I cannot imagine how they find it so easy to sponge off others.

Live within your means and if you cannot, well sort something out!

theoretica

Pollycat wrote: »

Why should the OP put his savings into FT investments just to protect his money?

It's his money, he should be able to do whatever he wishes with his money!

FTR I'm not dissing any suggestion of investment.

It is the OP's money - but so far he has proved a bit of a soft touch and fixed term investments might help stiffen his resolve.