Her fallback excuse to everything is “I’m trying to buy a house” ok but then you’ve got your mortgage, council rates, maintenance and upkeep on it, bills etc. There’s always going to be a reason to not go out and spend money. Her frugality is taking over her life, I bet she sits in bed and stares at her bank balances. If she really wants to save money she should actually do something about her food bill that she’s always going on about!