OK, not sure how to write this down, but here goes hope it makes sense I am totally confused and not sure what to do…
I am 29 have an okish but not terribly well paid job and at the start of the year had just managed to clear debt from helping out a friend (who then left with no intention of ever paying me back) and putting myself through college and finally had some savings. I am now back in more debt than ever before (£3000) but starting to clear it again and away to start a new job where while the money is the same I will receive training and opertunities.
My boyfriend is 38 and after 10 months of being unemployed has recently got a very low paying job. He is up to his eyeballs in debt (£50,000) and is doing absolutly nothing about trying to get it cleared.
I started going out with my boyfriend in January and a month later his mum died in her sleep. This was very unexpected and he took it very hard as although he had a flat of his own his mum did everything for him from buying food and drink to providing expensive gifts. Although we had only recently got together he wanted me to really be there for him, as my dad had passed away 4 years earlier and my way of grieving was to get on with things and try and do things that I thought would make him proud while pretending I was fine and needed no support! I now know that because I felt I needed no support that is why it took me a long time to get over it, of course everyone needs it and because he wanted me to be there for him I did what I thought was best. As at the time he was unemployed I bought him food and clothes took him out or away at weekends basically paid for everything. At the time my boyfriend was really appreciative saying he would pay me back as he was going to get a great job (he had already done courses that made me believe this was the case) plus he was going to get a impressive inheritance.
It is now 8 months later and my boyfriend is working which is great but he does not earn much and is forever borrowing money from friends which he pays back week by week (I have stopped loaning him money as 1. I have none! and 2. I dont get paid back!) The inheritance is still being fought over my himslef and his brother who have not spoken for 16 years, his brother also had refused contact with his mother for 8 years. My boyfriend is very stressed over money as he does not believe that his brother should get more than him (i am in agreement with that as that is what the will states) but I am frustrated as he is acting as though this inheritance will sort him for life. It will of course help him a lot but he has to learn to live on what he earns and not rely on this money so much, what if he was to receive nothing!
I have tried to help to get organised to clear his debt as the sooner he starts dealing with this the better, but his attitude is that because he doesnt earn enough for his wages to be arrested then he doesnt have to bother. I have even told him about companies that consolodate all debts wiping some of it out and organising affordable monthly payments but he doesnt want to know. I am aware that I cant help him if he doesnt want to help himself but worried where this could lead.
I understand he has been brought up very differently from myself, i only got anything if I worked for it and would never dream of asking anyone to borrow money, but he was brought up given everything and never having to think/worry about where anything came from. As he is not only going through the loss of his mum and the fight with his brother, he is having to adapt to a whole new way of life where he is going to have to take responsibility for himself and I dont want him to realise this too late!
We have been arguing a lot recently and I dont want to lose him, I know he is going through a hard time and I want to help, but I am struggling to find the right way to help without letting myself be a doormat as we only argue if I disagree with him. Please give me some advice!