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It took two years to clean up my mom/dad's CC situtation.
ALWAYS FOLLOW UP WITH A LETTER. A PAPER TRAIL WITH A TIME,DATE,WHOM YOU SPOKE WITH AND THE FOLLOW UP PLAN DISCUSSED.
If you aren't comfortable writing down as you talk, tape the conversation, and then put it in a letter. Then you can put the copies of letters in a file folder or scan it into your computer so when the trail gets twisted you can fax the copy of the letter they say they never recieved to refresh their memory. Anyway this is a good start to the process. An attorney can help you fill in the gaps as you go. Just ask for 15 mins of his time, (or how much time you think you need) have your questions ready and watch the clock. You can ask the receptionist of his office what he would charge so you can be ready with the dough. Hope this helps.
You will feel much better once you are on the other side of this, and pray for GODLY help to focus your efforts to the people who can help you. Jerome.
Could you block the Home Shopping Network on her TV? I'm assuming it's a cable station.
Julie Q
I would also have the POA on hand (for financial) to contact the credit card company and discuss the issue at hand (they will want the POA proof). You can also have them put a REALLY small limit on her card that gives her some freedom without the worry.
Hope this helps. Maybe sell her stuff on ebay or some other website after any of this is done? LOL
Continue taking care of yourself,
Carol
I didn't drop my mom at the mental health ward by the way, she settled down.
But for a year and a half I didn't get any REM sleep, she would run away from caregivers while I tried to work. She would try to exit the car while I am driving in City rush hour, she would scream at police, or anyone for that matter, that I was kidnapping her and trying to kill her. It was quite difficult to find that balance, and forget about a personal life.
Change is happening all the time, and we have a picture of what our parents are/were, and then they get hit by this tragedy. I learned to let go of my frustration, anger, pity party to myself, and just simply be kind to her (and to myself by the way) and love her where she is moment by moment.
When she can no longer converse with you verbally then you will discover new ways to communicate, but you will miss the words.
When I finally got to a point where I was stuck and all I could do was clean up after her and eat out of cans (soup, veg. etc) a social worker with Hospice told me I needed to see a psychologist. So I did and that started all the 'stuff' inside to unravel and fade. It is a process, I am taking better care of myself. Finally, no more dirty dishes piled in the sink!
Everyone must learn to ask for help, and continue to pray for guidance.
Finally some pieces fell into place and that explained a lot of her strange past behavior. Once she was properly medicated, using the "less is more approach" she leveled out beautifully. But back to the arguing the running etc. At least the fight is effort against the ravages of the disease.
On the other hand my cousin took his mother off the Alzheimer/dementia medicine and she responded more normally.
If that is not an option, can you put an account on your computer like Windows XP has (even MAC). That way you can set a password and she can't get into your system. Heck if I'd leave her with a computer all day.
And what about her credit when she buys? Again as a POA I would write the credit card companies with proof of the POA and say to shut her credit line down due to dementia or something. You can obviously prove it with her excessive spending and probably debts she owes.
How about disconnecting a phone line somewhere? With VM and digital service, there are plenty of options to receive calls from people.
Do you need anymore ideas? LOL
We found with my husband's father that "getting the mail" was a big deal for him so we make sure lots of people (friends and family) send him cards and notes on a weekly basis. It keeps him occupied for a while opening and reading his cards which, btw, "last longer" than a phone call because he will pick them up and read them again. It gives him something to look forward to doing each day - getting the mail.
Maybe sending our parents a small box of something they enjoy - a snack they like, a bracelet, etc. - would replace sadness with happiness. I believe in a positive reinforcement so try to replace a loss with a gain.
Julie Q
Carol
Anonymous - I would remove your Mom's credit cards and checkbook so she can't access them. Read the post regarding the psychic and see what you're up against.
Possibly giving her a dollar amount/allowance to spend or have her write down what she wants to buy and then decide at the end of the week what to get - if she can afford it. If you block her access, you will have some control over this. Would she understand that her financial situation has changed if you explained it to her?
Children often want something impulsively. If you make them wait a few days, they will usually change their minds. This is similar to what happens with elderly adults. It's the act of shopping that drives them, not that they need anything.
Does you mother have other activities she enjoys? Is she able to get out of the house and attend church or an adult day care? Can you take her shopping? She needs something to replace her shopping addiction which she may see as socializing with her "friends" the people she sees on TV.
Julie Q
Carol
BGB
In order to invoke the PoA (which puts it into affect) I needed the signatures of two physicians who deemed my mother unable to take care of her finances. Once the PoA was in affect, I could take it to my mother's bank and get my signature on her account.
I have a separate PoA for my mother's medical needs.
It's surprising to me that my mother wonders about her finances. She was inquiring as to whether she had any money or not and then said maybe she should ask "Jack" my brother about it. Of course, he is a man so he would know more than I would, right? :) She made the decision many years ago to have me be her PoA. I showed her her checking account and told her I paid the bills. The reason she wanted some money in her purse was if she wanted to "buy me a gift." Awww. That was gift enough for me.
Julie Q
My Mom is furious that I'm in total control, and very anxious about it. She does not understand anything about restraint, responsibility or repercussions. She blames me for her consequences, and is very bitter and angry about my imposed restrictions. They are necessary, and for her own good and future well-being. Not a pleasant position to be in for me, but absolutely better than allowing the tyrant rule of an out-of-control spender. She tells everyone I won't let her attend social functions (because "I won't give her any money..."), then turns around and spends her cash on dog biscuits and bird treats, leaving nothing for her necessities. Lately, she tells me, "I don't need anything from the store." Then she tells others that "I'm abusing her by not giving her any groceries," etc. It's a sick cycle. But she was like that with her husband, too. They spent 50 years together, fighting about this very same problem. Now I get her wrath. Thank God Dad's Alzheimer's has allowed him to forget so many grief-filled years, and he can live his remaining ones in peace - away from her, and protected in a safe place. Did I just vent, or what?
BGB
You should also notify the online shopping company to the situation and tell them that all her purchases would be returned. I have heard this happening with many other elderly folks who can't get out to shop. Often the boxes stack up because they don't really need/want what they ordered. It's being able to order.
Can you take your mom out to shop once a week so she can buy what she needs? My 90 year old mother wanted some "cash" in her purse even though I will get her whatever she needs. $25 was all she needed but she wanted to be able to "buy something" if she needed to. Money is freedom and as their other abilities decline, being able to buy proves they are still alive.