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Thanks for advice
Thanks for the advice, theres definitely something she's hiding because $10,000??? Thats a lot of money! She wants to be able to be in contact with my brother because he's in middle school now and we don't have a home phone. It's a lot of stress for me because she has no right to take my college money, that was left for me, i have like barely any money left in my account and now i have to rely more on scholarships.
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that sucks, but what i think you should still do is try using the old "well i would like to help with bills if it makes things easier for us" and "but i need to know whats going on moneywise so that i can help where its most needed"
just tell her whatever she needs to hear to get her to spill whats REALLY going on with finances. I would confront her about the missing college fund money but not in a defensive way. try to be nice and approach her when shes in an ok mood to talk. maybe even ASK "can we talk for a minute? i noticed this the other day and i thought i remembered my college fund being more then this? did we need to take money out to pay bills or something??" and say it in a concerned but friendly manner and give her time to explain herself. whatever happens STAY CALM because when it comes to money adults can automatically feel like your attacking them and will try to accuse them of not knowing how to spend their own money or of mismanagement.
Getting angry or yelling back will only fuel the fire and the discussion will go nowhere.
maybe your mom had to use that money to get the condo you now live in.
i understand the need for cell phone if you dont have a house phone (most people rarely do now, cell phones are just easier) but during your discussion with your mom you might be able to talk to her about cutting back on certain areas "JUST FOR NOW" until you guys can get yourselves straightened out money wise. ; ) good luck sweetie.
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