If your adult DC live at home, how much do they contribute financially?

[DanielleandBobby]

I live with my adult DS. I'm finding it tough to make ends meet like so many people, but I really want to encourage DS to save so that at some point he can move out! He's nearly 22 for context. He's only recently got a better paid job and earns roughly £1800 after tax. Currently he contributes £250 pcm towards our household expenses. He pays for his own transport, clothes, (quite expensive) hobbies, etc.

I work part-time for health/sanity reasons and am roughly £700-£800 short every month. This is coming out of the equity from the sale of my and my ex's house.

If you're in my situation with adult DC at home is what I charge him reasonable, too much, or not nearly enough? I'd be really interested to hear what others do. Even if I were wealthy enough and didn't need the money I would still want him to contribute by the way!

My 21 year old is at uni but we have an understanding that if she moves back home she would pay 1/3 of any wages she earns. In your case he would pay me 600 a month. Which is still far cheaper than renting in my area (or any area I think)

27 and he doesn't buy his own food, cook or clean up after himself?! Christ.

We don’t charge our adult DDs anything. This was a deliberate choice, as we wanted them to save for a deposit for their own place. One will be moving out soon when her flat purchase is finalised.

Nothing. They’re still at home saving to afford their own homes, horrifically expensive where we are, and anything they could afford would be in an area we would not be happy they lived in.

Nothing. He’s only 22 and in his first grad job after uni. He only earns about £25k.

We’re lucky that we don’t need the money.

Tell me about it!

Nothing. I don't ask her to contribute-she is in her first full
Time job after a levels whilst deciding what to do re going to uni etc. Fine, but It does annoy me that she doesn't offer (or point blank refuses when asked) to do things like buy the odd pint of milk when we run out. She's very entitled and it's starting to be a problem tbh.

Is a mortgage of 80k really realistic when you are 62 and only working part time?

£400 per month currently

My situation is a bit different as I have one here who will likely never move out (additional needs). He does work but currently a lower salary than me. So he pays me £300 a month, which is around a quarter of our bills. But he buys all his own food, cooks for himself etc. As his wage rises it will be a bigger contribution. He's totally on board with this. We came up with the agreement together.

I have another DC who will shortly be moving back here to undertake a training contract but then they want to move away somewhere cheaper and get their own place. So they'll be charged less to enable them to save for that. But it would feel unfair to not charge them anything, given the other DC is contributing.

But you are enabling his lazy behaviour where he shies no responsibility for himself. Stop buying his food, stop cooking for him and he might grow in to a man who can look after himself if he ever leaves home.

Of course she is entitled if she has no responsibility and no consequences. Maybe start charging her a bit of rent and make her buy her own food. You are her parent. Don’t complain about her being entitled, do something about it.

We have a house of boomerangers ( is that a word?). They leave and then they come back 🙄.I currently charge them £300 each per month, but we do put £150 of that away and have told them they can have it when they leave home. We have reminded them that this is a short term plan and they need to plan for the future, otherwise we are selling up and moving abroad or buying a yacht 😉 (joke)

This thread comes up about 3 times a week and you soon realise that theres no right or wrong answer.

You need to do what works best for your family and financial situation, honestly there's no point in looking to someone else for a solution that is right for tou

19yo on £19,500, started apprenticeship last autumn after Alevels.

He pays me £100pm as a nominal charge, on the understanding that he saves at least £500pm.

He buys his own food and some communal items (milk) and mostly cooks for himself and tidies up afterwards.

He pays for all his own outgoings - car related, clothes, going out, mobile phone, sports clubs etc.

I do laundry for both of us.
He's expected to keep his room and the main bathroom clean.

I don't NEED him to contribute financially at all, and intend to give him a substantial gift towards a deposit when the time comes.

Indeed. No right answer.

@name1234noidea I wasn't asking for opinions on my ability to pay a mortgage, thanks.

We don't charge our adult children anything, they live here for free.

Actually, that’s incorrect. I charge them £600 (each) per month and put £300 (each) into savings.
To rent a room share around here is approx £600 per month plus bills. Renting is about £1300 for a two bedroom flat, so they are getting a bargain and it also allows them to save,

My parents didn't need the board money but charged me and sibling 1/3 of our net wage. Still far cheaper than living anywhere else and had no issue with it. In 1986 was £125/mth which is about £470 now, £250 is an absolute bargain!

He’ll never move out!

Wow!

My 24 year old DS has been home since June . He’s saving up to payoff debts and move back to London. I’m not charging him anything because I don’t really need the money.

My 3 in their 20s pay nothing. I cook most of their meals and do all their washing.

Gosh!