Please or to access all these features

AIBU?

Share your dilemmas and get honest opinions from other Mumsnetters.

To think dp should stop paying child support....

259 replies

VindalooVindalooVindalooVindalooLaLa · 22/04/2025 21:17

....for his eldest

He has 3 DC, 22,19, 18. Eldest graduated last year and works full time. Middle is finishing year 1 at uni. Youngest takes A levels this year. He has been paying maintenance for all 3. Above the level the CMS would demand, regularly, always. As he should do of course.

He continues to pay for all 3. Directly to his EXW. Up until now, their arrangements as far as I am concerned were none of my business, other than I'm happy he is a regular no quibbles maintenance payer and is a good dad.

So as not to drip feed - we have been together 9 years. He was 3 years divorced when we met. I have two DC who are in their 20s. I work hard, earn about the same as him. I am not financially dependent on him, we maintain separate finances despite living together for 3 years and paying into a shared pot. My concern is he has no exit strategy for paying child maintenance. And I don't see that it is child maintenance any more. He leaves himself short and that affects what we can do or plan together at a time when we should both be able to think about our lives together a bit more.

None of my friends are in this situation, they're married to the fathers of their children, or childless, or single parents but not in this blended scenario. So I don't know, should he stop paying for the eldest? Id have also imagined giving the middle one maintenance money directly now he is at uni, but that's a different question.

YABU - it's normal for a dad to keep paying for three DC at this point
YANBU - It's reasonable to stop paying for the eldest

OP posts:
JHound · 23/04/2025 00:43

What he pays for his children is none of your business.

BruFord · 23/04/2025 00:17

HoppingPavlova · 22/04/2025 22:33

No money for the eldest. At that point it’s between them and his mum given they are working and living at home, should be nothing to do with your DH.

Money for second child at uni should be going directly to the child. Maybe a small payment to their mum to cover what could be considered as half their ‘board’ during uni hols (so in uni hols, the payment goes to the mum not the child if that makes sense?).

Maintenance paid for the third as they are still at school.

I agree with @HoppingPavlova.

myrtle70 · 23/04/2025 00:05

I'm a single parent, not had CM from exH (would barely be worth claiming) and I have made the same financial sacrifices to give my dc the best uni experience and soft landing into adulthood. Legally I can evict the dc and downsize to somewhere smaller & cheaper to run but I want them to have a home / bedroom to come back to in uni holidays / after graduating - and I like that they want to come back. I am not planning on funding them into their 30's but a bit of a buffer period is fine with me even though it means me going without holidays and other extras at times to keep the big family home. Its my choice how I spend my money and I like to spend it on my dc. It seems he has made the same choice.

The CM is based on his earnings not ex's outgoings so we don't know if ex has money spare or if it just covers the extra bills for a 4 bed v 2 bed. My dc got full uni loans but that barely covers rent and I still had to give them extra to live on. I doubt very much the ex has been making a profit while the dc are at uni. Few parents notice some huge financial saving in the uni years. A 4 bed house still costs a lot to run.

Is he giving his ex more in CM than it would cost him to fund a house with 3 extra bedrooms? if not then all he is doing is what I have done - making sure dc have a bedroom as long as they need one. It does sound like he is compensating for the ex being useless with money, but if she is a good mum otherwise perhaps he sees that as fair exchange. If he had been the resident parent he would have had to pay top up fees and fund the bigger house with extra bedrooms which I'd guess is far more than the CMS rate. its rare CMS comes close to the actual costs of raising a child. He can always have the dc move in with him.

I would go on holiday without him. If he wants to spend his money on his dc beyond the age he legally has to instead of on holidays then that's his choice. Perhaps he doesnt want his dc to know he cant afford it. Perhaps he is worried his dc would feel the need to financially support the ex themselves if he stopped.

PivotPivotmakingmargaritas · 23/04/2025 00:03

I actually feel sorry for the eldest that they weren’t receiving funds at uni from their dad … I think your DP made a mistake there.

He should write an email to all four of them saying in 6 months he will split the CM in thirds … mum will get 1/3 for youngest and eldest two will get a 1/3 each.

Then tell the one working he will give him money for 6 months after that to get set up on his feet and then only help in emergencies etc etc

For you - I think he does need to have a set date on when he can start having disposable income a bit more so you can start living your oldish age together… he can’t keep paying for his ex forever

Tassys · 22/04/2025 23:58

Do not be tempted to pay for him so he supports his wife.
Will this ever end?
Sounds like it won't.
Are you really happy to have your future and retirement dictated to by his finances with his ex?
Perhaps you are too quiet?
Perhaps you need to start planning stuff with friends a lot more.
Don't allow him to make your life small.

Yousay55 · 22/04/2025 23:45

I think if he can help his dc, then why not? They’re young and just starting out in life. What a good dad!

Richiewoo · 22/04/2025 23:40

Its normal to stop paying at 18. Your husband is a mug. Giving it to his ex wife. Bet she's not spending it on 3 adult kids.

TheAmpleBalonz · 22/04/2025 23:38

VindalooVindalooVindalooVindalooLaLa · 22/04/2025 23:25

Of course, this is the only explanation 🙄

What other reason is he paying the mother of his adult child money every month? Explain?

Derbee · 22/04/2025 23:29

We’ve always paid way over what CMS calculates to my DP’s ex wife. When eldest went to uni, we paid them direct, and carried on after graduation until they found a job. Kept paying ex wife for the youngest. Now youngest is at uni, we pay them directly, so nothing to ex wife anymore. Will keep paying youngest until after graduation, and employment.

I think your partner should stop payments to his ex - how does he even know it’s getting passed on to the kids? And what if she’s becoming reliant on it within her normal budget?

Time to pay the kids directly, as an allowance .

sesquipedalian · 22/04/2025 23:25

OP, my DH had written into his divorce agreement that he would continue to pay maintenance for each child until they finished higher education. So as soon as they finished their uni course, his last payment was the end of that month. I thought that was reasonable, but I would not have been at all pleased if he had carried on paying after that. Your DH needs to stop payments for his oldest, and make clear to his EX-W that payments for the others will stop when they leave university.

VindalooVindalooVindalooVindalooLaLa · 22/04/2025 23:25

TheAmpleBalonz · 22/04/2025 23:20

Well if he’d actually been a decent dad he’d have the kids 50/50 and there would be no maintenance. It’s his guilt at being a shit father.

Of course, this is the only explanation 🙄

OP posts:
Sgreenpy · 22/04/2025 23:23

As you and your partner are financially separate, you have no say on what he chooses to pay to his ex wife - for child maintenance (actually spousal support).

It does sound like he is paying more than necessary given his eldest child is working full time (although still lives in the family home).

However as the children and the ex wife still all live in the family home, just because the children turn 18, the bills remain the same for running and maintaining the home that the children 'return to'. I can see its a tricky situation that needs to be navigated between your DP and his ex Wife but at the end of the day it's non of your business!

TheAmpleBalonz · 22/04/2025 23:20

Well if he’d actually been a decent dad he’d have the kids 50/50 and there would be no maintenance. It’s his guilt at being a shit father.

NoSoapJustUseShowerGel · 22/04/2025 23:18

Yanbu. If the mother needs money to pay the costs of eldest living with her then she needs to charge them rent. I paid rent when living at home and working full time and will expect my children to do the same in future if they’re in that situation. How ridiculous to still pay for a child who’s an adult with a full time job.

VindalooVindalooVindalooVindalooLaLa · 22/04/2025 23:06

CelestialGazer · 22/04/2025 23:04

She’s going to have a shock then when she realises her entitlement to a state pension is minimal, having not paid any NI contributions, other than credits due to child benefit. I expect she’ll be expecting your DH to fund her through retirement then.

This is all a concern too, that I'm not sure he has fully faced. I see a head, some sand.....

OP posts:
CelestialGazer · 22/04/2025 23:04

VindalooVindalooVindalooVindalooLaLa · 22/04/2025 22:19

ExW definitely didn't have a plan for maintenance ending. And still doesn't. There's a whole long set of side stories that would make that obvious, but effectively, she does ad hoc work, cash in hand, doesn't claim benefits but also doesn't pay NI or anything. When COVID hit she was in trouble as entitled to nothing from anywhere and lives off the radar. This adds to my concern over lack of an exit plan.

Edited

She’s going to have a shock then when she realises her entitlement to a state pension is minimal, having not paid any NI contributions, other than credits due to child benefit. I expect she’ll be expecting your DH to fund her through retirement then.

Hastentoadd · 22/04/2025 23:03

VindalooVindalooVindalooVindalooLaLa · 22/04/2025 21:17

....for his eldest

He has 3 DC, 22,19, 18. Eldest graduated last year and works full time. Middle is finishing year 1 at uni. Youngest takes A levels this year. He has been paying maintenance for all 3. Above the level the CMS would demand, regularly, always. As he should do of course.

He continues to pay for all 3. Directly to his EXW. Up until now, their arrangements as far as I am concerned were none of my business, other than I'm happy he is a regular no quibbles maintenance payer and is a good dad.

So as not to drip feed - we have been together 9 years. He was 3 years divorced when we met. I have two DC who are in their 20s. I work hard, earn about the same as him. I am not financially dependent on him, we maintain separate finances despite living together for 3 years and paying into a shared pot. My concern is he has no exit strategy for paying child maintenance. And I don't see that it is child maintenance any more. He leaves himself short and that affects what we can do or plan together at a time when we should both be able to think about our lives together a bit more.

None of my friends are in this situation, they're married to the fathers of their children, or childless, or single parents but not in this blended scenario. So I don't know, should he stop paying for the eldest? Id have also imagined giving the middle one maintenance money directly now he is at uni, but that's a different question.

YABU - it's normal for a dad to keep paying for three DC at this point
YANBU - It's reasonable to stop paying for the eldest

He should stop paying for the eldest

Pay the middle one directly if he wants ( money goes directly to her not to ex partner) until she finishes uni

Pay for the youngest until she finishes Uni, but pay directly to her when she starts Uni

When they are at Uni they should be encouraged to get part time jobs so he can cut down on payments

THisbackwithavengeance · 22/04/2025 22:55

Spot the first wives on this thread insisting that it’s perfectly reasonable to pay child support for an actual adult with a FT job. Come on!

VindalooVindalooVindalooVindalooLaLa · 22/04/2025 22:52

Mondayblues2 · 22/04/2025 22:43

So you’re subsidising this, OP

Yes, in a nutshell, and that's what I'm resenting here

OP posts:
Waterweight · 22/04/2025 22:44

Eggsinthewhoopsiebasketalready · 22/04/2025 21:33

Urgh he sounds like a right sap...

Sounds like he got f-ed in the divorce (not necessarily due to an affair with OP)

Presumably there's a cultural or familial belief at play & I would question how much of the money actually goes on the kids Vs the house upkeep/spousal support (yes. I know you said she gets none but that might have been a trade off at the time for reliable & generous child support + not going after his pension, savings or future earnings)

If he's wealthy enough I'd expect him to continue paying until there are no kids at home, if he leaves himself short he needs to cut back or earn more

Mondayblues2 · 22/04/2025 22:43

VindalooVindalooVindalooVindalooLaLa · 22/04/2025 21:49

That's the discussion we have had, but the one is somewhat dependent on the other as id have to pay his way. Eg he can't afford to go on holiday whatsoever this year, not once. He is leaving himself short.

So you’re subsidising this, OP

Peacepleaselouise · 22/04/2025 22:42

VindalooVindalooVindalooVindalooLaLa · 22/04/2025 21:28

That's also true. Yes the eldest is at home. Not paying a penny into the household apparently, but I don't know that his paying "child" support should be in any way dependent on whether the eldest pays their way or not. Maybe it should though. As you say, there is nuance in these scenarios

It's common for young adult children to live at home to save money. So I think he is collectively with his ex supporting her to do this. But it might be that they would be better asking DD to pay rent and your DH puts the money he was paying into a LISA or something for her. I don't think continuing to support young adult children is unreasonable at all though. Encourage him to have a positive open conversation about how long the arrangement should be going on and give good notice of anything changing.

VindalooVindalooVindalooVindalooLaLa · 22/04/2025 22:38

HoppingPavlova · 22/04/2025 22:33

No money for the eldest. At that point it’s between them and his mum given they are working and living at home, should be nothing to do with your DH.

Money for second child at uni should be going directly to the child. Maybe a small payment to their mum to cover what could be considered as half their ‘board’ during uni hols (so in uni hols, the payment goes to the mum not the child if that makes sense?).

Maintenance paid for the third as they are still at school.

That fully makes sense to me!

OP posts:
VindalooVindalooVindalooVindalooLaLa · 22/04/2025 22:36

TheTwenties · 22/04/2025 22:27

So what has/will happen with funding for uni. If DM is a low earner and maintenance loan was based on her income then have they had maximum or close to it maintenance loans? If that is the case the winner is ex if she hasn’t been passing on as a parental contribution. The DC all end up with much higher loans than had parents been together with assessments made on joint income but DP is probably still funding via ‘maintenance’ a similar amount to the expected parental contribution between min and max loans. The DC are potentially worse off unless DP has also covered uni living costs on top of maintenance.

That sounds exactly correct to me!

OP posts:
VindalooVindalooVindalooVindalooLaLa · 22/04/2025 22:35

RentalWoesNotFun · 22/04/2025 22:21

This sounds like my ex. Very generous but to the wrong person.

He was enabling his ex wife to sit on her arse meanwhile everyone else including us worked and struggled.

It’s not right. It was his guilt at leaving her which caused him to overcompensate. And the exit plan goalpost kept getting moved to next year then next year…..

I gave up and left. We never stood a chance when his financial loyalty lay with her. I wouldn’t have been so pissed had the money being going to the child but it wasn’t.

I'm sorry to hear that. It's a good phrase, financial loyalty. I would not respect any man who did not have that sort of loyalty or responsibility towards his children. And, supporting their mum is an important aspect of that even if spousal support isn't the agreement, it's part of the parcel especially when they're younger.

My DPs ex was the one who ended the marriage. I've wondered if he feels guilty, but I don't have the impression there's anything specific for him to feel guilty about

OP posts: