UBS Investment Bank’s Offices at 1285 Avenue of the Americas in New York City. (Photo credit: Wikipedia)

There is no reward for being responsible, spending within your means, and generally putting off self-gratification until you can afford it. Pretty much all this will gain you is never-ending expectations of “lending” money to your relations who aren’t good at any of those things.

When my late husband was ill, his employer fired him. This douchebag, through an actually illegal move, halved our income in one fell swoop. I spent the next three and a half years just barely making ends meet. If it hadn’t been for my wonderful beyond words and generous to a fault Auntie, I am fairly certain I would have lost my house at the least and maybe my job at the most. She, more than anyone else, stepped up when it mattered.

Because of Auntie’s example, I try, whenever possible, to help others in dire financial straits. Last year this time, I had poured money down the hole known as my older nephew, N1 and I was still bailing out my brother, CB, from the fallout of his well-intentioned but foolish attempt to put N1 on his adult feet.

Fast forward. CB managed to right himself with a lot of assistance from me and our mother and worked steadily and profitably through last spring, summer and into the fall. However, he is a path of least resistance guy when it comes to his ex and his oldest daughter. When he has money, they hit him up non-stop for any and everything. Consequently, he doesn’t have money left to put in savings for the winter months when – because he is a contractor – work isn’t plentiful.

At Christmas, the emails started. “Can you call me?’

This only means one thing. He needs money and Mom is not forking it over. CB has come to rely on me to talk Mom into funding him.

And it is funding him. He never pays anything back even though he always begins the request for money with “I’ll pay you back.”

But they all do that.

There is no truer adage than this “don’t lend money you unless you can afford to never see it again” because it is the rare person indeed who pays back a personal loan – family probably being the most notorious deadbeats.

I never give money to my family expecting to ever see it again. Even if you have a formal agreement, written up and signed by all parties, the first time a loan repayment conflicts with some expensive desire you will hear “I’ll pay you next month for sure, ok?”

And then maybe they do or not but the precedent is set and wants get fulfilled more than loan repayments and pretty soon, the person stops paying the money back at all.

CB has legitimate money issues. I feel for the dilemma he has with his ex and his daughter though if it were me, I would have told my nearly 17-year-old to get up off her butt and find a job before I bought her a car she couldn’t afford to keep up anyway. So I gave him the money but with the stern proviso not to hit on me again because the bank is closed.

Already, Rob and I have had to resign ourselves to not being able to buy a new house in a better locale, trade in our fast falling apart truck for a new one and give up completely on the idea of taking a holiday from this long ass winter because of financial responsibilities that we’ve taken on to help out family.

On the one hand, I accept this but on the other I am not as sanguine. And there are several reasons for this.

First, I rarely shop for myself. I see things that I actually could use or even need to replace things that are worn and I defer because I am my father’s daughter. He drove home to all of us kids, though it seems to have only stuck completely with me and maybe DNOS, that you buy things when budget permits – regardless.

Second, I look around my home. We’ve been renovating since Dee and I arrived. In fact, Rob was renovating years prior to even knowing me. Six years nearly and we don’t have steps to the back door. Took them out in the summer of 2007 and the cement blocks are still there. There is no floor in the living or dining room. Because winter came early, we didn’t get the shed built, so that lumber is stacked and taking up room in the garage, making it difficult to work on the plethora of automobiles cluttering up our landscape – some of them aren’t even ours.

The plan originally was to have had the house finished and sold by now. But life in the form of family in need has intervened and slowed progress to the point that now we are stuck. We just will have to finish up and gut it out.

“We could end up having to retire here, you know,” I told Rob.

“I refuse to think about that,” he replied.

But it could easily be our fate. Dreams of an acreage somewhere or even a house in town, which would be a million times more convenient, could easily elude us because of the stops and starts that eat up time and cash flow.

Third, one of the vehicles has developed what is probably a major issue. It’s the one we wanted to trade in and can’t because we’ve taken on Edie’s car payments now that she is back in school. We did this willingly, mind you, because we are parents and we know that she needs training in a profession if she is to go anywhere career-wise in life. But it’s a major imposition now that the truck is fubar.

I shouldn’t whine or be resentful. Life is what it is and my life is hardly the stuff of tragedy.

But I am annoyed about this.

When I was 18, I went off to college, which I put myself through and then with very little monetary assistance from my parents, made my way in the world. My mother poured more than twice as much money into N1  just last year than she has ever “lent” me as an adult. Sometimes, I question whether I should have learned my father’s lessons as well as I have. There is certainly nothing to be gained – other than the right to stand on the soapbox – from having denied one’s self and been responsible.

I will be fine without a new truck or moving. We have a beater in the back that Rob can easily get running again if worse comes to worst, and the house will be finished … someday … and maybe even emptied of all the crap that makes if seem tinier than it is. Life is not unbearable by any means.

But the bank is closed. So don’t ask. Unless you really want to hear what I might have to say.