DEAR HARRIETTE: My mom owes me a lot of money, but she keeps trying to guilt me every time I ask for it back. I’ve been helping my mom pay rent since I was 18 years old; now I’m almost 24. I can’t afford my own place, but I can afford to help out. She asks for help with a lot of things -- aside from rent -- and I always feel obligated to say yes, but she usually promises that she will pay me back. I haven’t seen a dime from her in years, but she keeps asking for more. What should I do? -- Pay Me Back
DEAR PAY ME BACK: My guess is that your mother has asked you to help pay rent all these years because she needed your assistance. Out of guilt, she didn’t completely tell you the truth -- she needed you to support the family budget. I recommend that you consider the money you have contributed to your household a contribution that will not be repaid. It will help you to stop keeping score.
Looking at this moment and the future, you can adopt a different approach. Thank your mother for allowing you to live with her now that you are an adult. Tell her you need to manage your finances so that eventually you can live on your own. Let her know how much you can contribute monthly to the household, and stick to that.