OK let me just say that I love my mother in law and sister in law but right now I just dont have any more patience for them. Neither one has ever known how to live within their means. husband and I always get to be the ones to clean up the crap. When father in law died a little over a year ago I took over paying mother in law's bills because she had never used a bank. It is not difficult considering I have pretty much all of it set up on autopay. Plus I set up a second account for just bills so that the money for bills never gets messed up. I left the Sears card in mother in law and sister in law's hands since sister in law was supposed to be helping mother in law pay the bill. I left the newspaper in their hands since it only gets paid occasionally. mother in law was going to be using a seperate account for her spending money. I thought that mother in law would be on a tight budget but she could make it. What could possibly go wrong! Since then the Sears card payments have been late multiple times. They have bounced several checks in mother in law's account. I caught sister in law going in and paying sister in law's bills out of mother in law's account. They are constantly using each others money and paying each other back. sister in law is constantly using mother in law's account so that brother in law can't see what she is paying. It's crazy and I know So this month mother in law calls all excited about a new chair she just had delivered. UMMMMM where did you get money for that? She will be making monthly payments. Then I see where the Sears card has been paid twice in August and that once it bounced and then was run through again. This usually happens when sister in law doesn't help mother in law out and they are atleast a month behind on payments. Oh yeah, mother in law's auto insurance is going up next month and her house insurance got changed to another provider so that is an additional amount. I decided to tell sister in law to send me the bills and let me just pay them all so that life was easier. I just attempted to balance the budget. Things do not look pretty. She will barely have $250 to eat on a month. How in the world am I going to explain to my mother in law that until October 4th she has no money? Yep thats right until her small retirement check of $250 comes in she is flat broke. The woman simply does not understand money! Its not intentional on her part when she makes these increases. She really is clueless. sister in law on the other hand is not stupid. She goes with mother in law anytime mother in law spends big money. She knows the budget restraints. Yet she lets it happen! mother in law would never ever spend the money without sister in law standing right beside her. She and sister in law are joined at the hip and sister in law does have the power to influence mother in law. In fact mother in law doesn't make a decision without her. If you read this far thanks for letting me vent! I don't really need advice just an impartial third party to listen to me rant. ARGH!!!