Loaning money to family members

Life was a lot easier when I was a student and my only responsibilities were to pay for school and study. Once I finished school and got a job, my financial responsibilities exploded: I now have to consider a mortgage and all those other house-related expenses (water, gas, electricity, condo fees, insurance), car payments and car insurance, cable, internet…you get the point. It’s never a problem to find something to spend money on!

Over two years ago I shared how like many abroad, my parents were helping their family back home. I mentioned that in comparison to my parents I hadn’t really done much. Since then I’ve had the opportunity to help family members but in two cases it hasn’t quite worked out the way I thought it would.

I loaned a sum of money to a cousin who was preparing to go to the UK for school. The amount I loaned him was small in comparison to the total amount he needed, but for me it was a significant amount. My cousin insisted it was a loan and I had no reason to think otherwise. However, we never discussed exactly when the repayment would commence and it has been nearly two years. Last year he was selling a game console (Xbox or something similar) on Facebook and I told him I knew where he could send the profit (meaning he could send it to me). He asked me what I meant and I told him he knew. The conversation was playful and casual, but I said it to remind him of the outstanding debt. It didn’t work. To add some spice to the story, I can no longer see him or his wife on Facebook, but maybe that’s because they no longer use Facebook.

The second loan was to a female cousin, one that I am quite close to. Of all my cousins on that side of the family, she’s the only one I would would loan money to because I believed she would definitely pay me back. Her need was urgent and her reason for needing the money sounded legitimate to me. She said it was a loan and told me when she would pay me back (in a matter of weeks). When that time came and went, she apologized for the delay. But now it’s been a year and I haven’t heard from her concerning the loan.

I’ve heard that you should never loan money that you can’t live without, meaning you should set your expectations low and assume you will not be seeing the money again. I did think I would get the money back but I’m so thankful that my life has not been inconvenienced as a result of not having that money–I’m truly blessed! For me the sad part is not that I haven’t gotten the money back but that neither cousin thought to let me know that it wasn’t a loan or that they would not be able to pay me back after all as planned.

I don’t think I’ll ever loan money again. Instead, if I decide to help out a family member I will gift them with the money. That way, the expectation of repayment is removed, and everyone will be able to sleep well at night.

Do you have a money-loaning philosophy? (For many that policy is “Don’t”!)

On family history

My family is Yoruba, but our last name is uncommon, and doesn’t sound obviously Yoruba or even Nigerian for that matter. In fact one of the guys I never dated was unique because he had the same last name as I did and that was the first time I had seen that last name outside of my family. When I meet people that I’ve been corresponding with through email they often tell me in person that they thought I was Japanese because of my last name. Thankfully my first name is extremely Yoruba so when I introduce myself to other Nigerians they don’t question my background.

A colleague even told me that when my employer was hiring and deciding which applicants to interview, on the day that my Japanese colleague and I were interviewed, they thought I was her based on our last name. (Funny enough they hired my colleague due to her better qualifications, but she ended up getting pregnant soon after so they hired me to replace her during her maternity leave, then a position was created while I was there and I applied for it and got it and five years later I’m still working there!)

I don’t know much about the origin of my surname, but it’s something I intend to explore. One of my oyinbo (Caucasian) colleagues is interested in genealogy and she’s managed to trace parts of at least one side of her family (her great, great grandfather I think) to when they first left their country of origin (in Europe) and immigrated to Canada. Along the way, her family name went through changes in spelling and pronunciation, which I guess happens in an attempt to blend in with the new country. Genealogy is quite a common hobby of retired oyinbos here; there’s something very reassuring about knowing where you come from. A former pastor at my old church was also piecing together his family tree because when you think of it, genealogy is a puzzle with a goal of finding missing pieces (people) and figuring out where in the big picture they fit. I bet it’s also fun to uncover scandals too!

The older I get, the more interested in my roots I become. I don’t think I’m interested in generating a family tree as much as I want to know what life was like when my relatives were young, what Nigeria was like long ago. I regret that I didn’t get to ask my great grandmother various questions before she passed away in 2005, but my interest in my roots didn’t spark until late 2003, and my last visit to Nigeria before that was in 1994. Because I knew I wasn’t going to be in Nigeria any time soon, I focused my efforts on learning Yoruba and Pidgin from online forums. But God is good: I still have two grandmothers, one grandfather and various relatives who can give me some information. I just need to figure out what I want to know and the best way to capture the information. My father’s mom is quite old and is hard of hearing so I may need to count on my dad and his sister to remember various things about her life.

Not every family from Nigeria is like my own but I know that most of the record-keeping of people my father’s age and older was by memory. As far as I know my dad doesn’t have a birth certificate and his name isn’t recorded in any hospital records or at any church as is the case for the relatives of some Canadians who seek their roots to Europe, but this doesn’t mean that all is lost. The next time that I am in Nigeria I intend to look through the things in my dad’s room in his father’s house to see if I can find some items that might provide information on our history, like letters perhaps. And something I can do right here in Canada is something I’ve always wanted to do: look through old pictures and see if there are any clues I can use to piece together our family’s history.

Do you know much about your family’s history? If you don’t, would you know where to go to get that information?

On supporting family back home – Part I

This is a slightly sensitive topic for people on both sides of the issue, and I want those of you who are based “back home” who have never exhibited any of the following behaviour or who fully understand what I’m saying to please rest assured that this entry is not at all written to you. I am writing to those abroad who have had to deal with situations like this and who feel that despite their efforts, they are unappreciated or looked down upon for the size of their contribution. I am also writing to people back home who feel like their family abroad are living the high life, while sending them scraps. I am sure there are some who do just this, but I would venture to say that they are the minority.

If you live abroad, and you have family in your home country, you have probably faced this idea of helping your family “back home”. I know, I’m so funny, calling it an idea, as if it’s a philosophy one can choose to adopt or not. I guess there is some choice, but from the perspective of most of our loved ones back home, it’s less of a choice and more of an expectation. Not all relatives are greedy, but there are some who definitely fit the label. This expectation is based on the belief that life where you are is better than life where they are (Nigeria, for example), so it is your job to help them attain a level where they too can be comfortable, or in some cases, more than just comfortable.

This concept of helping family back home can be explored from so many different sides, and I can’t fully address it in one entry, so this will likely be one of a few, spread out over the next while. I had a lively discussion with my brother on the idea of providing financial aid to family members last night, and that is what I’ll focus on right now.

If you went abroad as a student, you probably had or have some family members who expected hoped that you would be able to send them something back regularly when you can. If you came here at a young age or were born abroad, then it was likely your parents that got the brunt of these expectations and requests. I fall into this latter category.

Like most, my parents are not the sort to make a big deal of supporting family members. When their counterparts were putting money aside for their annual vacations, my parents would be thinking about how best to maximize the money they were earning, so they could both support their expanding family and the families they were born into. They had to decide who to send to and when, and how much could be spared. I feel confident saying that those of you who have personally dealt with this approached the situation similarly: the money you sent home was never EXTRA (which implies that your wallets were just too full of money to contain it all), instead, you deprived yourself of things your counterparts enjoyed freely, be it buying your lunch, getting someone to do your hair, watching movies at the theatre (if you’re a student), or buying a brand new car when your 13 year old rusted one dies, renting a home for a few more years instead of saving a chunk of money to put toward a down payment on a house, or maybe shopping at secondhand stores (if you are an adult). Maybe you did all of the above at different times, but you did what you felt you had to do, this was/is life. You ensured your needs were met and probably treated yourself too, but tried to live relatively modestly so you could help family.

Now that I’m older, I am starting to see the full extent of what my parents do, and how little I do in comparison, but I am learning. It is my intention to do so much more than I currently do. Both of my younger brothers were born in Canada, and both are in school, which they are paying for primarily through loans. The elder of the two will tell you that he considers himself more Canadian than Nigerian and that as far as he is concerned, my parents’ obligations are to the family they created who live with them in Canada, and they should not be sending any money anywhere. Our debate or discussion yesterday hinged around this idea of giving even when it wasn’t comfortable for you. Mind you, he has no money to give anybody; he’s in debt himself, but it was the way he said that it’s only when he’s debt free and basically has a good job, a home and a car that he would think about seeing what he could do to help others. I know deep down he probably doesn’t mean it because he’s quite sensitive when he sees someone less fortunate than he is, but the way he said it, so uncaringly, angered me.

My argument was that if he doesn’t have a heart for generosity now, earning a six figure income will not bring that out. I bet many millionaires have not changed when it comes to that basic desire to help others, simply because they are earning more money (but maybe I’m wrong). I suspect that while some do share the wealth, others just graduate to a lifestyle that matches the extra money in the bank. There’s just something about saying you can’t help anyone out until you’re loaded that bothers me. I’m not saying give all that you have away then suffer, but we all know whether putting aside $200 every year to send home is possible or not (nevermind that it might not be considered a large enough sum by some recipients).

But not everyone that receives money back home is actually suffering are they? That’s a topic for another entry! Let’s just say that the more I learn about how things work in my family, the angrier I become when I hear that some don’t think my parents have done enough. I don’t know why I bother getting angry since it’s not like we have to prove anything to anyone. We are all accountable to a Higher Power.

Something tells me that at least some of you can relate, or share stories on the topic.

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