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Step-parenting finances & related

36 replies

PCOSAdvocate · 16/02/2026 16:18

Feel like I’m opening myself up to abuse for this post but people in my life have me conflicted.
I have recently moved in with my partner and we share household finances (rent, bills, groceries) which comes out of an account we pay equal amounts into. He has a child who spends time with us throughout the week/weekends. Any food etc consumed comes from the joint money which I have no issue with and I always ensure there are things here they enjoy and meals also.
However, there’s now talk of birthday presents, parties etc coming from the joint money as well as gifts etc while out for the day or shopping all from the joint money.
I have no problem contributing and it’s through want as I have a brilliant relationship with them but should finances surrounding them be more their dad’s responsibility when in his/our care?
It’s members of my partners family have highlighted that the arrangement may not be fair on me, especially as lights are left on in the house all day, I have to do all collections/drop offs as the child’s mum won’t unless she’s given money for fuel and my partner doesn’t drive, the toilet is flushed 6 times everytime it’s used…
I feel like I’m picking and making an issue with something I shouldn’t but it’s other people that have brought it to my attention.

Also, please don’t hate on me, I’m genuinely asking for opinions. This is all a bit new to me and I would just like a little guidance please. Thank you

OP posts:
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Pineapplewaves · 16/02/2026 20:11

No you shouldn’t be paying his child expenses, your DP and the child’s DM should pay for these between them. They have managed up until now and they can continue.

I wonder if the ex has assumed that she will be better off now that you have moved in together, you and DP pay for everything for the child and she gets to keep her money? Not acceptable….

You might have to forget about the joint account and just start paying your half of all the bills if your DP is going to be spending lots of your money on his child.

Economicsday · 16/02/2026 18:51

So you are paying more than half, his free childcare while he works, and his chauffeur?🙄

Really OP?
Can you really not see that you are a hugely convenient, paying addition to his life?

You are sadly spectacularly naive and a soft touch that is being used.

Have you no family and friends to point out the obvious?

PrincessPears · 16/02/2026 18:44

So they don’t have a set routine because you are expected to step in whenever it suits them…?

Yeah, I’d stop being so available.

What % is the child with you? Does the child have a bedroom? Do you have a suitable workspace? Are you going to have children together?

His child will only get more expensive as time goes by.

AcrossthePond55 · 16/02/2026 17:58

@PCOSAdvocate

I think splitting the regular household costs is fine, assuming that there isn't a huge difference your incomes.

However, child 'specific' expenses should be covered totally by him, unless it's discussed ahead of time, each time. If you want to contribute to a joint gift, fine. But it shouldn't be expected. As DC gets older these expenses are going to get larger and you're going to feel the impact more and more. School trips, clothing, clubs, etc these things are the parent's responsibility, not yours.

You doing picks & drops is taking the piss and sounds like DP pandering to the ex. They apparently managed before you and he started living together without your help. Why can't they now? And as far as ex saying "Why can't she...." DP should reply "Because it's not her responsibility. We are the parents". If DP has to pick up his ex's slack, that's between them.

I'm sorry, but the more you do the more will be expected of you.

Ophy83 · 16/02/2026 17:54

I wouldn't have a problem with household bills including food coming out of the joint account. Fuel should also come out of that pot while your car is being used for the benefit of the household and to facilitate childcare. He should pay for other child expenses himself e.g. birthday presents, clothes, days out.

PCOSAdvocate · 16/02/2026 17:49

BlueMum16 · 16/02/2026 17:32

Does he own his house or rent? I wouldn't be paying towards someone's mortgage.

If it's rent, are you on the tenancy?

I wouldn't pay for 50% of the child's expenses but would absorb the extra food/elec etc.

You need a conversation about money and responsibilities. What did he do with the child when working nights before you moved in? It does sound you're taking on parenting responsibilities very quickly.

We rent together and are both named on the tenancy.
Before I moved, when working nights, he wouldn’t have been able to keep/see the child during that time. I have no issue with this as I do have a really good relationship with them, enjoy spending time with them and understand it helps my partner spend a bit more time with them and also gives the mum a bit of time to herself also as their arrangement isn’t a set routine

OP posts:
BlueMum16 · 16/02/2026 17:32

PCOSAdvocate · 16/02/2026 17:26

We have known each other for around 3 years and been together a year and a half.

Does he own his house or rent? I wouldn't be paying towards someone's mortgage.

If it's rent, are you on the tenancy?

I wouldn't pay for 50% of the child's expenses but would absorb the extra food/elec etc.

You need a conversation about money and responsibilities. What did he do with the child when working nights before you moved in? It does sound you're taking on parenting responsibilities very quickly.

PCOSAdvocate · 16/02/2026 17:26

arethereanyleftatall · 16/02/2026 17:16

I’m sorry op but there is a very large chance that this man is just using you.
how long have you been together before you/he moved in and you started contributing both financially and in time with his child?

We have known each other for around 3 years and been together a year and a half.

OP posts:
PCOSAdvocate · 16/02/2026 17:25

sittingonabeach · 16/02/2026 17:22

How have driving lessons be paid for? Will he have his own car @PCOSAdvocate

All lessons etc paid by his personal finances and he will be sourcing his own car - that conversation has been had as I drive a car I won’t let anyone drive never mind a first time driver!

OP posts:
sittingonabeach · 16/02/2026 17:22

How have driving lessons be paid for? Will he have his own car @PCOSAdvocate

JLou08 · 16/02/2026 17:22

Counting toilet flushes and worrying about light bulbs is a sign resentment is seeping in because the cost will be minimal and it's normal with children. You really need to think about what you're willing to do and set your boundaries with your partner, otherwise this could end up spiralling and ruin the relationship.

arethereanyleftatall · 16/02/2026 17:20

goz · 16/02/2026 17:18

I love how he’s already got you blaming his ex too. It’s her fault for not collecting the children from school/ clubs etc on his time, not his fault for some reason.

This happens I think on 100% of the threads you read on this. Always detailed as the exes fault, when it never ever is.

goz · 16/02/2026 17:18

I love how he’s already got you blaming his ex too. It’s her fault for not collecting the children from school/ clubs etc on his time, not his fault for some reason.

arethereanyleftatall · 16/02/2026 17:16

I’m sorry op but there is a very large chance that this man is just using you.
how long have you been together before you/he moved in and you started contributing both financially and in time with his child?

HelloCanYouHearMe · 16/02/2026 17:13

We have a joint account for food and bills. However when we first moved in together he tried to suggest that maintenance also constituted a joint expense.

I say tried to, because the look on my face made him reconsider before he even finished his sentence!

There is a separate acccount for all things kids related that my DP contributes more to, because he has more kids than I do (3:1).

I do a drop off once a month (70 mile round trip) and DP pays my fuel for this. I wouldnt do it otherwise

Snorlaxo · 16/02/2026 17:12

Men like your h who are quick to expect their partner to pay for their child often use said child as an excuse not to pay at all when they have a baby with the new partner. Lots of stories on here where the dad does stuff like buy lots for child 1’s Christmas but leaves the partner to pay to child 2 on her own. If you plan to have kids with this cf, make sure you don’t cheat your child with him out of his money too.

InMyOodie · 16/02/2026 17:12

Why are you paying half of expenses when he earns more?

He should pay his child's share too. He's taking advantage of you in many ways.

PCOSAdvocate · 16/02/2026 17:12

andfinallyhereweare · 16/02/2026 17:05

@PCOSAdvocate sorry I have to ask- why is the toilet flushed 6 times after every use?

Toilet at the mums house doesn’t flush properly and as a result, there’s a fascination with a properly flushing toilet

OP posts:
PCOSAdvocate · 16/02/2026 17:07

sittingonabeach · 16/02/2026 16:56

Is there a reason he doesn't drive.

Does he do most parenting when DC are with you?

For a long time, genuinely didn’t need to. Now has a test booked and should be driving very soon.
Parenting while here is split quite a bit as my partner does night shift sometimes so in those instances, I am up in the mornings and looking after the child

OP posts:
andfinallyhereweare · 16/02/2026 17:05

@PCOSAdvocate sorry I have to ask- why is the toilet flushed 6 times after every use?

goz · 16/02/2026 17:04

It sounds like your boyfriend only wants someone to pay and look after his kids. Pain for the birthday parties and gifts from their dad? Doing all the drop offs and pick his for his kids?

AxolotlEars · 16/02/2026 17:03

He's landed on his feet!

Snorlaxo · 16/02/2026 17:01

I wouldn’t like that financial arrangement either. Teens eat as much as an adult and if they like snacking, could be eating far more than you. Teen presents can be expensive eg a laptop or a games console and I wouldn’t want to pay half that. You’re on the fast track to be blamed for dad not buying say concert tickets or expensive trainers.

I would maybe say I will contribute eg £50 towards his son’s birthday and Christmas and leave it to your partner what to spend it on.

Economicsday · 16/02/2026 17:00

OP, you are being used.
His child, his costs.
But your shared bank account now means that you pay for his child.
This is not right.
This is foolish of you to get involved in.
Now you are their chauffeur too?

Why would you allow this to happen so quickly?
Why would you think this is acceptable?
Why would you not want to save money in your account, instead of being used to fund his child.

Wake up to the reality that you are being used.
Get out of this situation asap is my advice.

sittingonabeach · 16/02/2026 16:56

Is there a reason he doesn't drive.

Does he do most parenting when DC are with you?