<prompt> Human: Ill try to make this short. Im 34. Single. I live with my boyfriend and his 2 kids in a home that I own. Its 900SF. Its tight but we make it work. Its 2 bedrooms. The kids 4 and 5 share a bedroom. House was purchased in 2012 for 152K I live in CT. Houses are expensive here. I owe about 140k on it. We racked up quite a bit of debt. Some from me living beyond my means when I first bought my house, and some from supporting my BF and his kids when he was unemployed. We are currently paying off said debt at a rate of 1000month but looking at at least 2 years to get out of it. And THEN saving up to move to a bigger place. My mom has a house on the market that she keeps getting low balled on. It is a 4 bedroom 2 12 bath house with an unfinished basement, a garage, and a large shed. Basically it is a lot of space that we need. More than double our current square footage. The house is listed at 265k. She keeps getting offers for 210k but doesnt want to let it go for that little. She has offered to sell it to me for 200k because she wants to get it off her hands but if shes going to let it go for so little wants me to reap the benefits it is worth more. It is in a sought after lake community and has quite a large yard for the area. The biggest problem she is having in selling it is the neighbors dogs barking at people that come to look at it. I have 3 dogs myself so 2 can play at that game. My concern is, although I can afford the mortgage payment take home income is 5400month including what BF gives me I really wanted to pay this debt down before I think about relocating. I know she would probably let me sit on it for a while or help me use the sale from my current house to pay off my debt or whatever but it is going to take some HUGE swallowing of pride to let her know how deep Ive gotten. My question is, is this worth the financial gain to admit to her how bad Ive let things get? If it makes her change her mind thats fine, but Im more worried about her judging me. Shes an accountant. She has taught me to be good with money and credit and I failed. What would you do?  <response>: What would I do? I wouldnt buy the house or explain my finances to her either. Its none of her business what you do with your money. People are throwing out low ball offers because everyone knows people selling a house in February are selling because theyre desperate to sell. I had to have a similar conversation with my MIL. We were looking to purchase a larger home last summer and she kept asking to go with us when we went to open houses and kept asking if there was a mother in law suite in the house. She would flat out tell me, not my wife, she was about to retire and would have difficulty paying rent on social security. I tried to be diplomatic about it, but one day I just spelled it out in plain English for her. I said something along the lines of Look, Im trying to provide a better house for me and your daughter to start a family. While I can do that, I cant do that an erase your lifetime of financial irresponsibility at the same time. Please stop trying to interfere with my familys financial situation. I never interfere with yours even though I consider it to be incredibly reckless. Needless to say the nagging stopped. So did a lot of other bullshit. Do what is right for you first and foremost especially when it comes to your family and your finances. 