... to ask how much money your adult kids give?

So you'd wrack up credit debt and live on crap food so your kid earning 28k can have two holidays a year? Your child doesn't need you to martyr yourself when they're fully working adults

"Adult daughter (24) living at home. Earns about 28K."
I would expect her to contribute 25% of her take-home pay.

"We don't charge our daughter rent and she doesn't save any money at all. In fact she has debts. She works full time, and is also studying for a degree with the OU."
That's extremely poor money management on her part, isn't it? No living costs, her entire income being treated by her as her childhood pocket money. Why don't you charge her dig money? It's frankly not helping anyone. It's not helping your household budget as you are subsiding her and - you can't afford to. It's not helping her, as she continues to live a childish life. She doesn't pay her own way and she's not saving for her future - living in the moment , as a child does.

You need to have a sit-down serious talk about money, her financial/domestic future, and start charging her dig money. You're doing her no favours, letting her think she's still a child at 24.

Well its not a massive contribution in my case. It was a small contribution.
I also expect them to save towards a deposit but also in our case we will give them a contribution to their deposit when the time comes.
We run a business. Our kids know the value of money from the kitchen table.
Every home is diff but I don't know anyone who wld say a working adult shldnt contribute if it's needed. That's just taking the piss in any world.

25% of all the utility bills, overheads (like buildings and contents insurance) and groceries. Plus a small contingency for wear and tear.

Her presence incurs actual costs. She is earning. You are struggling.

Show her the bills and have a reasonable conversation.

My 23yo who is working full time pays £300 a month for her share. I'm a single parent and her younger sisters are in education so need her contribution to afford everything.

Sounds like you need to teach your dd about finances if she is in debt and not even paying rent! I would say get her to contribute 500 a month....she is lucky she can still live at home. She should contribute and rein in her spending on clothes.

@Libertyy that makes sense then I can understand you not paying rent if you are helping out with your younger sibling. You sound like a great sister to help out like you do whilst having to maintain rent and bills on your own place.
I do think tho that OPs child bringing home 2k should contribute something to the household as this isn't teaching her how to budget at all and as OP said she could make use of that money.

10 years ago I paid £80 a month when earning £20k. My parents didn’t need the money though, I would have given more if they needed it.

DS1 gives me £200/month towards groceries - he works part time for NMW and is saving for his final year at uni. But I work full time and have no mortgage.

He also pays for meals out when we go somewhere.

I do half and half a lot of the time due to my younger sibling having a serious condition. So when I’m home as normal I don’t pay towards anything, the other place is my own rented home with a friend which I do of course pay for but that was mainly because I needed to help her find a place

My ds is nearly 21. He pays £200 which we both agreed on. I buy all of his toiletries still including razors but he’s really good if I need to borrow money as I always pay I’m back ( im disabled and i have dd (12) who has autism and severe anxiety ) and he’s really good to her too.
he eats like a horse so it’s pretty good value imo 😊

I think you should charge her £450 a month and put £150 in a savings account towards her moving out costs (for when she does)

£450 is bugger all when it factors in rent, food and bills- if she isn't paying anything I can't see why she is getting through her money

My 20 something professional earning sons pay me £280 a month each. It started out a few years ago at £50 a week but has gone up a couple of times in line with inflation. This money is considered a contribution towards food costs and household bills. I am sure they appreciate how lightly they have got off and would pay more if asked to, but I don't want to appear to be making money from them and want them to build up as much of a deposit as they are able to so they can eventually buy their own home.

My adult children used to pay 15% of their take home.

I now share with my eldest daughter who is disabled and I work full time. We pay the same percentage of our income into the bills pot. That way it is her home too- she is not living at her Mum's.

@Libertyy I'm really confused by your posts as you've posted previous to the one quoted above how you are the adult child and you pay nothing as your father provides for you.
Can you clarify? Not meaning to offended just totally confused by what you are posting.
Fwiw to OP your dc needs to be paying you rent if she can afford expensive hols she can afford rent. She is having a laugh.

I'd ask her to pay £400 per month in rent. I'd also suggest she pays into Lifetime ISA to say a deposit as she won't be able to build up enough to move out otherwise.

Out of curiosity, I’m your kids’ age and I was wondering how would you expect your kids to save up for a deposit to mortgage a house if you’re asking for massive contributions?

My 23 year old pays me £250 per month and has saved 40k towards a deposit.

£200 per month would be fair and more than cover her costs of living with you.

Out of curiosity, I’m your kids’ age and I was wondering how would you expect your kids to save up for a deposit to mortgage a house if you’re asking for massive contributions? Do your husbands/partners/wives (if same sex) contribute as much as you do and you still ask your kids as well? No malice intended, just curious really

I’ll never understand charging your kids rent. But I appreciate I’m in the minority. My mum charged me which I thought was outrageous for a number of reasons. As a mother myself I can never ever imagine charging my child to live with me. If I did I’d put it away for them in an account for when they wanted to move out.

so my answer is nothing. Different story if she actually wants to contribute.

Adults working FT and earning a wage should be contributing.

She is taking home roughly £1,800/month (assuming 6% pension contributions)

Taking 1/3 of that to cover rent, utilities, eating family meals is not unreasonable (unless she has very high commuting costs)

Too much disposable income is infantilising her and not teaching her even basic life essentials like a place to stay costs and she is now an adult with responsibilities.

Has this taught you anything?

£150 a month 20 years ago. Why is everyone so opposed to adults contributing to a household.

I'd ask for £350 pm.Thats 50% of a room in the private sector around here.

Mine give nothing. We have 3 at home plus 2 of their partners here most of the time. They are all saving for deposits and we do love having them here.