What if that family member was an ex spouse? And the kids live with that ex half of the time?
Background info. - Brother and ex sister in law have been divorced about a year. They share joint physical custody of the two kids (14 & 12) but brother pays child support to his ex in an amount that is more generous than the state would mandate. That doesn't make him any kind of saint. They're his kids and he should support them to the best of his ability. I'm only saying this to point out that he is not a deadbeat father in any sense of the word.
Two weeks ago, he gave his ex the child support for December because she is having a rough time financially. Her boyfriend dumped her and he was paying all of her bills. So she had to go out and get two jobs. With little education and the way the economy is, neither job is paying well. Budgeting has never been her strength. It was a constant issue during their married life.
Yesterday, he and I are on the phone talking about his recent trip to Disney with his kids and he gets a text from his ex. She wants January's child support early. (yeah, I had to check my calendar...it's still November!) Apparently she got her electric bill (due Dec. 5) and it's almost $700! Something tells me that someone is either lying about the electric bill and wants the money for something else or she hasn't paid it in months and now faces shut off. She has a history of bad financial decisions and lying about where the money goes. It could be either.
Brother is torn. He would give her the money but after taking a vacation and showing the kids a great time, there isn't any room left in his own budget to do this. He doesn't want the kids to be in a house with no electricity if she really is facing a shut off. He could have them stay with him until the ex gets her act together, but he travels for work and can't guarantee that he won't be called out of town at some point. When he is in town, the kids are with him. But when he is called out of town (about 3-4 days during the week), the kids have to be at their mother's house.
He knows that if he gives her January's child support now (which he doesn't think he can do without putting his own bills in arrears), she will be back in a couple weeks with a sob story about not having money for Christmas gifts for the kids. And she'll want February's child support. Or just money...period. She still tries to play brother like a fiddle.
What kind of advice would you give him? He looks up to me as his big sister. He thinks that I have a handle on my own finances so I must know how to handle this. And to be honest, it would be easy to tell him to just let her twist in the wind if it were not for the kids. If he didn't live 300 miles away, I would volunteer to be with the kids while he is out of town.