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How to Help Mom From Overspending

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Dear Mary: My mother is a widow who lives on a tight budget. The last few Christmases, she's been blowing a lot of money on gifts for my husband, me and the kids. By February, she'll usually ask me for a little help to cover her bills. I know she feels Christmas is the one time she can really spoil us, but I'm worried she may be digging herself into a money pit. What can I do? — Janice, California

Dear Janice: I think your mom and I have something in common. We are people-pleasers. It's easy for us to go overboard trying to get approval. Take her out to lunch, and tell her you understand that things are tight since your dad is gone and it makes you uncomfortable when she spends a lot on you.

Gently turn the conversation to the coming holidays. Ask her to help you teach the kids that sometimes the best gifts aren't wrapped up in a box. Years from now, they won't remember the gifts she gave as much as the time she spent with them. One idea might be for her to give them individual gift certificates for "My Special Day with Grandma" doing just what they love to do with you.

As for you and your husband, if she has a possession that you love dearly, suggest she give that to you for Christmas. She'll have many years of watching you enjoy owning something that is also precious to her.

Dear Mary: Our beloved dog, Bella, is getting older, and we're concerned about safeguarding her health. She recently had surgery that cost us $3,000.

While the vet assures us she's fine now, we want to make sure we don't get hit with another huge bill. Of course we'll do everything we can to keep Bella healthy, but we simply can't afford thousands of dollars' worth of medical expenses. What can we do? — Pat, email

Dear Pat: Plan ahead, stashing money into a Bella Account. Call to learn your vet's policy regarding emergency services, for things like hours, fees and discounts for cash payments. Find out what constitutes a true emergency and what can wait until the office opens.

Look into alternatives such as the humane society or university vet clinics that offer thriftier alternatives for shots and routine care. For Bella's wellness checks, keep an eye out for reduced veterinary-service clinics sponsored by government agencies or pet stores.

Should Bella face another serious situation, I hope you will have time to get a second opinion. You might want to look into pet health insurance with a company like Embrace Pet Insurance (www.EmbracePetInsurance.com). I've recommended Embrace in the past, just keep in mind that most pet health insurance policies exclude pre-existing conditions. And they have high deductibles and copays, too. I wish you many more wonderful years with Bella!

Do you have a question for Mary? Email her at mary@everydaycheapskate.com, or write to Everyday Cheapskate, P.O. Box 2099, Cypress, CA 90630. Mary Hunt is the founder of www.DebtProofLiving.com, a personal finance member website and the author of "Debt-Proof Your Christmas: Celebrating the Holidays Without Breaking the Bank," her 2012 holiday release. To find out more about Mary and read her past columns, please visit the Creators Syndicate Web page at www.creators.com.

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Bella the Dog: what you are really saying is that you cannot afford thousands of dollars in medical bills for Bella the Dog. Got it. The advisor gave very good advice in my opinion and being a dog owner who LOVES my teacup poodle, I feel the same way. But there is a catch: dogs, and let me break it to you gently, won't live together. What you may start thinking about is how you won't sell your house to give the dog unlimited medical care. Respectfully, this isn't ObamaCare.

I recommend that, after saving, you BUDGET a certain amount for the dog, esp in view of his life's end. If you don't, you will end up spending many more thousands before you can even turn around. My dog, inside of two days, incurred $800 worth of medical bills. It could not go on "forever" I told myself. I also told my family that I was not going to spend the $2000 in tests and treatment they started talking about. Usually, and unfortunately, this leads to more costs so YOU HAVE TO KNOW YOUR LIMIT NOW. If not now, WHEN?

I am trying to be practical, yet realistic that under duress, we all make decisions we later regret. Don't spend another $5,000 for Bella when at the end of the day, his life will be severely degraded after spending that $5000 or so. Once you can answer that, therein lies your course. Good luck.
Comment: #1
Posted by: Patrick Turner
Fri Dec 14, 2012 11:36 AM
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