A couple of years ago my dad and his brother had a falling out, so I've not seen my uncle since, although we do occasionally speak. My uncle is still kind enough to send me money for birthdays and Christmases, despite not being in great shape financially and having two kids of his own. While I appreciate the gesture, I don't need the money and don't want my uncle to struggle any more than he has to, but I'm worried that if I tell him he'll think I'm ungrateful and patronising, or even that I'm trying to cut ties with him. What should I do?
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Money Moral Dilemma: Should I tell my struggling uncle he doesn't need to give me gifts?
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If they can't bear to do that - find out when the cousin's birthdays are and send the money to them.
Just because the Uncle does not choose to have a flashy car, holiday, or whatever there is that the OP's father has but the Uncle does not. The Uncle may still be sufficiently comfortably off and just choose to spend money in a different way.
Whether the Uncle should keep sending present money is really for the OP's father and Uncle to agree - the OP should just keep a low profile and be grateful and always send a thank you card.
My best advice would be to first improve communication with your Uncle. Get to the point where you are talking weekly about whats happened in your week and you’re pals again, then you can bring up the whole giving money thing (DON’T do it by text or email where meanings and reasons can be misinterpreted). When you do bring up the subject a good approach is to go along the lines of “the cards you send are so thoughtful, money really isn’t needed- it’s nice but it’s the card that means the most to me”(assuming the cards are nice, if not change it to “that you remember and think of me”).
I’m known in my family for the cards I send, not my gifts. Anyone can send a card from Moonpig or the like or write a bland, unemotional message (To.... Happy Birthday, Love....) and all they show is 1. You have money, 2. You don’t hold the card in high regard. Where as finding a card that stands out and resonates with a person takes time and energy, which people who lack funds tend to have more of (I know, some don’t).
When our cousin's/nephews/nieces etc reached the age of 21 we stopped sending gifts and just send cards with good wishes and love. Why not suggest to your uncle that, as you are now an adult, that he stops sending you a present and sends just a card.
It is a difficult situation as you wouldn't want to offend him. However I bet he would be relieved at not having additional expenditure when he can't afford it.
I hope you solve your dilemma.