It can be challenging to address financial matters with family, especially when there's a history of borrowing involved. Here are some steps you can take to approach the situation:
Choose the right time and place: Find a comfortable and private setting where you can talk openly without distractions or interruptions.
Be honest but understanding: Express your feelings about the situation honestly but with empathy. Let your mom know that you care about her, but the money you lent is important to you too.
Stick to the facts: Clearly communicate the amount you lent, the date it was borrowed, and any agreed-upon terms for repayment.
Express your needs: Explain why you need the money back and how it could be beneficial for you, especially if you have financial obligations or goals.
Listen to her perspective: Give your mom a chance to explain her side of the story, including any difficulties she might have faced in repaying the money.
Explore repayment options: If she is unable to pay the full amount immediately, consider discussing a repayment plan that works for both of you. This could involve smaller installments over time or other ways she can contribute to repay the debt.
Be firm but kind: While understanding and empathy are crucial, it's essential to maintain firmness about the importance of repayment.
Preserve the relationship: Emphasize that your intention is not to create conflict but to find a resolution that works for both of you. Reiterate your love and care for her.
Seek external advice if necessary: If the situation becomes too complicated or emotionally charged, consider involving a neutral third party, such as a financial advisor or mediator, to help facilitate the conversation.
Remember, approaching the topic with open communication and understanding can lead to a resolution that maintains your relationship with your mom while addressing the issue of the borrowed money.