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Feeling guilty about paying for care

Paying someone to help your mum is a way of looking after her, and the guilt you feel about it is very common. A carer can take on the washing, the meals and the long days, so the time you spend with her goes back to being time as her son or daughter. A good way through the guilt is to hand over one task first and see how it goes.

By , founder of PrimeCarers  ·  Updated  ·  8 min read · Read the short answer

Part of our guide to caring for a parent.

The short answer

Paying for care is one way of caring for your parent

Guilt usually comes from a sense that caring means doing every task with your own hands. Most of what your parent needs from you is something a carer cannot give, and most of what a carer does is work you do not have to do yourself.

Who does what once a carer starts

0 of 8 ticked

Tasks a carer can take on

What stays with you

Many families find that visits get better once the tasks are covered. You arrive with time to sit down rather than a sink full of washing up. Your parent gets help from someone who is not tired, at the times they need it. The benefits of having a private carer goes through why one regular person, rather than a rota of strangers, suits a lot of families.

The thoughts behind it

The thoughts that usually sit behind the guilt

Guilt tends to come from a few specific thoughts. Each one has something true in it and something that does not hold up when you look at it closely.

"I should be doing this myself"

Doing every task yourself is one way of showing that. Making sure the tasks are done well, by someone with the time and energy for them, is another.

What is true: you love them and want to help

"Mum would rather have me"

Wanting your company is not the same as wanting you to wash her. Many parents find personal care from their own child embarrassing, and say so when asked.

What is true: she wants to see you

"It feels wrong to spend money on this"

Care is usually paid for from your parent's own income and savings, and this is what that money is for. Paying for help is not a sign that you care less.

What is true: care costs money

"I live too far away, so I am paying my way out of it"

Nobody can give daily care from two hundred miles away. Arranging good care locally is the part of caring that distance leaves you able to do.

What is true: you cannot be there every day

"People will think I have abandoned her"

The people who matter here are your parent and you. A sibling who does not help with the tasks does not get a veto over who does them.

What is true: some relatives may have views

If the guilt is about leaving your parent for a few days rather than paying for regular help, feeling guilty about taking a break is written for that feeling.

Doing it all yourself

What doing everything yourself can cost you, and your parent

Doing all the care yourself is a choice some people make and manage well. It is worth knowing what it costs the people who try, because that cost often lands on the person being cared for too.

74%

of carers said they felt stressed or anxious

42%

said their physical health had got worse

35%

of working carers had cut their working hours

Source: Carers UK, State of Caring 2025: The cost of caring, published 21 October 2025, from a survey of over 10,500 unpaid carers.

These figures come from Carers UK's State of Caring 2025 report, published in October 2025. They describe people who answered a survey of unpaid carers, not every family, but they show a pattern that many carers will recognise. When you are exhausted it is harder to notice a change in your parent and harder to stay patient with them. It can also put at risk the job that pays your own bills.

There is also no legal duty that makes you do this in person. In the UK, adult children are not required by law to provide a parent's care themselves or to pay for it. Am I legally responsible for my elderly parent? sets out the few situations where responsibility can fall on you, such as being their attorney.

How your parent may feel

What your parent may feel about it, and how to ask

Your parent may feel relieved, wary, or both. The only way to know is to ask them, and to listen to the answer rather than the one you are bracing for.

What tends to help

  • Asking which tasks they would rather have help with from someone outside the family
  • Framing it as help for a particular part of the day, such as mornings or bath nights
  • Letting them read carer profiles with you and choose who comes
  • Agreeing a trial of a few weeks and a date to talk about how it is going

What tends to make it harder

  • Apologising for arranging help, which tells them something is wrong
  • Deciding everything first and telling them afterwards
  • Talking about it as you stepping back from them
  • Treating a first "no" as the final word, when it may be about one task or one fear

While your parent can make the decision, it is theirs to make. Your part is to give them something concrete to decide on, with a named person and a price in front of them rather than a vague idea of "getting carers in". Some parents agree to help with the garden or the shopping before they agree to help with washing, and that is a reasonable place to start.

A first practical step

A practical first step: hand over one task

You do not have to decide about all of your parent's care at once. Choosing one task, pricing it and trying it for a few weeks is usually enough to show whether the guilt matches what happens.

  1. 1

    Pick the task that wears you down most

    Ten minutes
    It might be the morning wash, the Sunday shop or the evening meal. Write down which days and roughly how long it takes.
  2. 2

    Work out the hours

    One sitting
    Turn the task into visits: an hour each morning, or two afternoons a week.
  3. 3

    Put a price on it

    With our fee included
    Carers on PrimeCarers charge £18 to £25 an hour, against £28 to £35 an hour through an agency.
  4. 4

    Meet the carer with your parent

    Before anything is booked
    Read profiles and reviews, message a few carers, and ask about their experience. Let your parent have a say in who comes.
  5. 5

    Review it after a few weeks

    Together
    Ask your parent how it is going, and ask yourself what you did with the time it gave back.

How many visits a week does my parent need? helps turn a list of tasks into a number of visits.

PrimeCarers is an introductory platform, not a care agency, and it is not registered with the CQC. Families choose and hire self-employed carers directly. Before a carer's profile appears, we check their identity and right to work, confirm an enhanced DBS check (or PVG in Scotland, Access NI in Northern Ireland) issued within the last 2 years, and interview them online. We do not check references, qualifications or training, so ask the carer about those. References and reviews can appear on carer profiles.

Support for you

Support for you, whatever you decide

If the guilt is not shifting, or it sits alongside low mood or exhaustion, there are people you can talk to. These services are free.

Carers UK helpline

Advice for anyone looking after a relative, including on arranging care and your own wellbeing. Carers UK also runs an online forum for carers.

0808 808 7777, Monday to Friday, 9am to 6pm

A carer's assessment from the council

If you help your parent, you can ask the council to look at what support you need, such as breaks or practical help.

Free, in your own name

NHS talking therapies

For anxiety or low mood, you can refer yourself without seeing a GP first, as long as you are registered with one.

England, refer yourself

Samaritans

If you are struggling to cope, Samaritans will listen, whatever the reason.

116 123, any time, day or night

The Carers UK helpline and other support page lists the helpline, email advice and the forum (checked November 2026). The NHS explains carer's assessments and breaks and respite for carers, and how to refer yourself to NHS talking therapies. If you feel you might harm yourself, call 999 or go to A&E.

Questions

Questions about the guilt of paying for care

Yes, it is very common. Paying someone to help your mum is a way of looking after her: a carer takes on tasks like washing, meals and long days, so your time with her can be time as her son or daughter. Handing over one task first is a good way to see whether the guilt matches what happens.

No. Adult children in the UK have no legal duty to provide a parent's care in person or to pay for it, and many parents would rather have help with personal care from someone outside the family. Choosing a carer, checking how it goes and speaking up for your parent are all part of caring for them.

Ask which parts of the day she means. Often a parent wants your company rather than your help with washing or dressing. Suggest help with one task, let her choose the carer with you, and agree a trial of a few weeks with a date to talk about it.

The Carers UK helpline is on 0808 808 7777, Monday to Friday, 9am to 6pm. In England you can refer yourself to NHS talking therapies for anxiety or low mood, and Samaritans are on 116 123 at any time.

See who could help with the one task you choose

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