"The reason you are poor is because you buy tons of shit with your money every month."
My parents are exactly like this. They constantly spend more than they can afford, more than they make, and can't figure out where the money goes. Their anti-mustachian actions are probably enough to create a forum here just for them. They're so bad, they are using all my grandma's money to live on. And they work a combined total of 45 hours a week on a good week.
Most recently, my mom was complaining because the auto insurance check bounced, and it was like 70 dollars. This is my grandma's insurance. My grandma sold her house for $140,000 5 years ago (and it was paid off), and apparently now has no money in cash (and to my knowledge, that's where all the sale proceeds went). My mom is my grandma's bookkeeper, and was well aware when the auto insurance bill was due. However, the day prior to this bill coming due, my mom took my brother and sister out to dinner at some expensive restaurant, using my grandma's money.
This sort of thing happens a lot, and I feel really bad for my grandma. She's not a bad person, and doesn't deserve this, but I don't know how to tell her my mom is stealing from her... all the time. It's crazy.
Another story, it's almost funny to me. Last year they had their neighbor (an HVAC tech) come over to see why the A/C wasn't working. He said that the coils were dirty and icing up. He found that the reason is the fact that when my dad replaced the dryer, he never replaced the old, ratty dryer hose, and it was spitting lint into the room, and since the covers weren't on the A/C unit, getting caught in the coils. So, of course, my dad went right out to replace the dryer hose. Except that that last sentence is a lie, he never even bought a new hose.
Fast forward to last weekend, and the A/C quit working. One would think that the logical choice would be that when no cool air is coming out of the vents that something is wrong and to shut the unit off. Well, my parents got halfway there. The thing broke late morning and sometime around 9PM (they were both off all day), they decided to take a look at it, and that is when they turned off the air conditioner. Nearly 12 hours after it stopped blowing air. Needless to say, it was way too iced up to do anything, and it took until the next afternoon to get it cleaned (since they had to sleep and all).
I don't know, maybe it's just me, but if my air conditioner is not blowing air, I'm not going to run it, if not to save the electricity costs, to make sure nothing happens to the unit.