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AIBU?

To expect my 19 yr old to stand on her own two feet?

87 replies

sooze41 · 23/09/2013 09:39

We have a 19 yr old away at Uni (2nd yr) who seems to be constantly asking for money. We have always insisted she worked part time from age 16, even though she wasn't keen ( I found her the first job through a friend) because we think its important for them to take some responsibility and earn some money of their own. When she went to Uni it took her three months to find a job because she didn't fancy doing this that or the other, and in the meantime we gave her an allowance to keep her afloat, as well as topping her rent up, in fact we had to cut the allowance in half to force her into getting a job, I am sure she would happily have carried on taking money from us indefinitely! She got a job which she fits in easily with Uni as they are only in lectures three days a week, and she earns a good wage from it, but because she likes to spend a lot on clothes/make up she is always asking us for top ups. Quite honestly, I am sick of the conflict, yes we can afford it, but if she budgeted properly she wouldn't need any extra ( we already pay £100 a month towards her rent as her loan doesn't cover it). It seems like all we are good for is money, she honestly can't understand why we expect her to budget and take care with her money, she thinks that as we can afford to give it to her we should! She can't grasp that we just want her to grow up and take responsibility and not keep expecting us to bail her out, and it's a constant source of tension. Anyone dealt with this issue?

OP posts:
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wordfactory · 24/09/2013 11:35

I think the message that as a student you will have to be creative and frugal is one I intend to impress upon my DC.

Yes, I will provide financial support. But it will not provide a high standard of living. The budget is the budget. We're quite wealthy so how else am I to get them to take responsibility? I can't claim poverty.

I was with a friend the other day whose son at uni called her (from his i-phone on which she pays the contract) asking her to order some protein shakes online for him!!!!! Apparently, his gym instructor (she pays his yearly memebership) had advised him which type to buy!!!!!

She could barely look me in the eye knowing exactly what I'd be thinking!

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whatever5 · 24/09/2013 11:41

OP have you compared the amount you give her plus the loan with the amount her university suggests that she will need to live on? If you can afford it, I would just give her the suggested amount per term (taking into account the loan) and let her deal with her finances. She would be very unreasonable to complain.

If you are giving her less than the university suggested amount (taking the loan into account) despite having plenty of money yourself then I don't really blame her for thinking you are tight.

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sparechange · 24/09/2013 11:53

This is a really difficult one, because the worst case scenario would be that she decides to go down the route of a credit card to keep her lifestyle the same.

Another vote for it being perfectly do-able to work while at university - I had a bar job a few nights a week and it was in no way detrimental to my grades, especially as most of the shifts were at the weekends. Yes, I meant I couldn't do as many sports clubs on Saturday afternoons, but on the plus side, I could get cheaper drinks when I drunk in 'my' bar and got fed for free on the nights I worked shifts.

However, I'm also aware that students have very different ideas of 'normal' living standards these days, and rented houses now come with dishwashers and en suite bathrooms instead of being damp and grotty, so the rent she pays is probably much higher than I ever did! Ditto charity shop clothes have given way to £50 skirts from nice shops

That said, she has to cut her cloth to fit for the rest of her life, and learning that you don't spend money you haven't got is going to be the first step on that path.
Is she spending to keep up with friends, or because she just has to have the latest clothes/make up?

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5Foot5 · 24/09/2013 13:05

However, I'm also aware that students have very different ideas of 'normal' living standards these days, and rented houses now come with dishwashers and en suite bathrooms instead of being damp and grotty, so the rent she pays is probably much higher than I ever did

Too true! We are at the stage of going to University Open Days with DD and I have been surprised how much of the accomodation is en suite. My DNs have all started this year and wouldn't consider anything that wasn't en suite. Shock In my first year we were expected to share a bedroom and the bathroom was shared by everyone on the corridor. The house we rented in the second year - well you certainly had to be creative to stay warm!

I must say I would feel hypocritical expecting DD to work part-time during term time given that my generation got maintenance grants. I honestly didn't know anybody who worked in term-time and I certainly didn't hand around with a rich, privileged crowds. That is just how it was in the 70s and early 80s. Same for DH.

Of course we worked in the summer holidays.

If I can afford to pay for DDs living expenses when she goes away (and I think I can) then I will do that rather than have her get a loan for them. Of course she will have to take out a loan for the tuition fees.

BUT - there will be a long conversation about budgets and making the money last.

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Bonsoir · 24/09/2013 13:35

iPhones are fantastically practical for students so I think if parents want to make that contribution to their DC, it's a really practical one. But trainers and protein shakes?! LOL

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Beastofburden · 24/09/2013 13:44

5foot5- think hard before you pay for anything rather than let her get a student loan. They currently calculate that around 50% of student loans will never be paid off. I dont know if you know how that works? but basically, in any given year, you only pay anything if your salary goes above £21k (then you pay 9% of the excess over £21k). They write off the full amount after 30 years, which includes time spent having a family or doing other study. if you become disabled or medically unfit for work they write it all off right away.

What I am doing is saving the same money to help DS1 with a house deposit, that will make far more difference to his future than having a smaller student loan.

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5madthings · 24/09/2013 13:45

Yanbu but yo

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5madthings · 24/09/2013 13:48

Yanbu but you need to sit down and work out a budget with her and make sure she knows how to do it.

She is taking the mick by buying expensive clothes and make up and asking you to sub her.

Its fine for her to have a job at uni, I did and then in yr two I had ds1 and still got a good 2:1. My parents didn't help out once we had ds1, do worked and studied and I looked after ds1 and studied and we muddled through and budgeted!

University is about education but also learning life skills and how to budget and time management etc.

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MrsOakenshield · 24/09/2013 14:58

yes, I wouldn't worry too much about the loan - a friend has just finished paying hers off at age 33, when I first knew her she was 23 and didn't earn enough to pay it back at all, but even once she did the monthly amount was manageable - on a not-very-high-for-London wage she could still pay rent (extortionate) and other normal expenses, pay her loan and save a couple of hundred pounds a month.

What I can't understand is how a 19-year-old acquires a £30 a pop make-up habit to begin with! Rimmel all the way for us!

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Slipshodsibyl · 24/09/2013 16:21

Yes word, about 8000 assuming they can earn in the summer. Towns with higher or year round rent might be a bit higher.

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pixiepotter · 24/09/2013 16:27

Things are completely different to when most of us went to uni.These kids are investing £50k in their education.They are going to want to come out with the very best degree possible.
Distracting/tiring yourself with part time jobs could well be false economy.Similarly with the accommodation.If a studnt moves into somewhere dirty and depressing when they are just starting out, this could well lead to them feeling low and unable to give themselves the best chance.Anybody who has had anything to do with teaching will know all about 'barriers to learning'

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SoonToBeSix · 24/09/2013 18:39

I think your dd needs to budget better and you should help her with that. However I disagree that uni students should work . The time spent in actual lectures is not relevant they are supposed to be doing full time independent studying.

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