Meet the Other Phone. Only the apps you allow.

Meet the Other Phone.
Only the apps you allow.

Buy now

Please or to access all these features

AIBU?

Share your dilemmas and get honest opinions from other Mumsnetters.

For letting 16yo DSS be financially independent

310 replies

SunshineAngel · 13/02/2020 14:58

First of all - I'm fairly sure this little arrangement won't last. DP and I are finding it quite amusing, but willing to let DSS (16) have a go at what he's suggesting.

Recently, DSS has been making comments about how DP gets loads of money for him (£300 a month from DSS's mum, as he lives with us plus £80 ish child benefit) and apparently DSS sees no benefit.

Actually, he already pretty much gets his child benefit, as he gets £20 a week pocket money. In return for this, DP needs to see a tidy room on a Saturday, with his clothes put away (that I've washed, dried and folded and left on his desk). Also, DSS is asked to do the washing up 3 evenings a week. That is all he has to do for his money, and all he's ever willing to do around the house - and even then it's only so he gets his pocket money.

He has declared that he should be getting his £80, the £300 from his mum, PLUS the pocket money he's getting now. We are apparently treating him like a slave, as he should be able to have his room messy if he wants it, and shouldn't have to wash our dishes, when he's only used a plate, a cup and some cutlery.

To that, DP responded that if that's his attitude, we shouldn't have to do his washing, or tidying, or cleaning, or make his butties for college, or make sure there's always food in the fridge for him and snacks in the cupboard .. and DSS said fine. If we give him the £380 a month, he will do everything himself, and be completely independent. Like we're flatmates.

DP was quite amused by this, but decided it might be interesting (and ultimately eye-opening for DSS) to just let him do this for a while.

So, from Monday (which is also the start of half term) he has to do everything himself, take care of his own money, and pay for everything himself.

DP has said he can have his £380, will not be getting extra pocket money as he's independent, and he has to give us £50 a month back for his share of the bills (not enough actually but DP wants to give him a fair chance). He is not charging him rent, but has pointed out that if he was truly independently living as a housemate unrelated to us, most of his remaining £330 would be spent on rent.

This will mean he has to pay for his own college transport (£25 a week) and either make or buy his college lunches. He will have to cover trips out with friends himself (so no Daaaad can I have £10 for the cinema?) and get himself there instead of asking for a lift. He will have to buy his own food (I have helpfully said if he gives me a list of what he wants I'll get it from the shops if he gives me the money), buy his own snacks that he races through whenever he's in the house, cook his own food, wash his own dishes, wash, dry, iron and fold his own clothes, make sure he has enough things like shower gel, shaving foam, shampoo etc ..

I asked him what he was planning on eating for food, as he can't cook and won't let me teach him. He said it's okay, he doesn't mind just eating things from the freezer (I always bulk cook and do extra portions that can just be microwaved - so he means these) to which DP replied nope, if he was someone's housemate, that would be their food, not his, and that he had to buy his food with his money, and then cook it himself.

He will have to buy his own clothes, pay for his own phone bill (currently £20 a month which comes out of partner's account), his PS4 subscription (not sure how much this is) and his WoW subscription which I think is £9.99 a month. He also likes going to watch rugby matches, and DP has a direct debit set up for his season ticket, which is £20 a month, but he's paying that still as that was sort of for a Christmas present.

Basically, what we're trying to get across to him in this (probably very short) experience of him being independent is that, actually, while £380 sounds a lot to get "for him" per month, it actually doesn't touch the sides when it comes to how much gets paid out for him overall.

He actually thinks we're spending as little on him as possible, and just keeping the money for ourselves, and thinks for some reason that the child support his mum sends should be like his spending money - whereas that's not really the point of it!

He currently gets everything he needs, plus pocket money, and extras to go to the cinema or go for meals with his friends. We've warned him that if he wants to go ahead and be independent, all of this will stop and everything will have to come out of his money.

The question is: AIBU (or rather is DP being unreasonable - he doesn't have an account here) for actually letting him give this a go? He's been warned that he can't do it half-arsed. He either lives with us and behaves like a son (and gets treated like he does now - cushy, IMO, in comparison to some kids), or like a housemate and like the above.

He has chosen the latter option, thinking he'll have loads and loads of cash for playstation games.

Obviously, he has the option of changing his mind and going straight back to normal at any stage of the thing. DP only wants to let him to do this to teach him the actual value of money and how little it can actually buy when you're paying for everything and have to think about bills!

Looking forward to some input, and maybe hearing from people who have done this in the past. Although this is very much just letting DSS experiment, and have a bit of freedom (that we assume he won't like as much as he thought he would), I will admit that it hurts sometimes getting accused of not giving him enough, or spending "his" money on us.

I have found being a stepparent difficult, and struggled to adapt to not just taking care of myself, particularly as he was already in his mid teens when I met his dad, and if anything have overcompensated - so I honestly think he gets more than he would if he was my son!!

TIA.

OP posts:
LolaSmiles · 13/02/2020 15:02

If his attitude is as rude and ungrateful as you've posted and your DP is happy then I'd run with it and give him a chance.

TeenPlusTwenties · 13/02/2020 15:02

I think it is an interesting idea.

It could perhaps be achieved via a spreadsheet though.

Newtothis2017 · 13/02/2020 15:03

I think that it is a great idea. Although tell him it is on a monthly basis. You don't want him blowing all his money in crap on day one and then saying he changed his mind

Strictly1972 · 13/02/2020 15:04

I don’t think YABU at all. Sounds like a great way for him to learn the value of money. It’s really important and it’s not like you’re making him move out unsupported. Be interested to hear how it goes.

pollyputthepastaon · 13/02/2020 15:05

Great idea

Emijen · 13/02/2020 15:07

I think it’ll be very eye opening for him

HelloYouTwo · 13/02/2020 15:10

It’s an interesting idea. It would be great if he can make it work. I’d have a few questions on the practical side - does he do exactly as he likes (so could go out all night, have friends or randoms back to the house whenever etc), what if he leaves his lights on all day and uses all the hot water and washing powder or other shared amenities.

Psychologically, is he being set up to succeed or to fail, and how will you all deal with either outcome? How does he climb down from this if it all goes wrong? Do you keep supporting him if it all goes right - and potentially letting him think he’s managing when in fact he might not be because of the base level of support you give him (like his rent being unrealistic).

Finally, where does it go from here? If he learns to live off his mum’s support, his pocket money and his CB, when does he learn the value of work? When does that money stop? And won’t he view your contribution as nil? He’d need to understand what you actually pay for whether bills, mortgage, lifts etc or he’s really going to assume that he was right and that you’ve been “profiting” from the support payments.

Porcupineinwaiting · 13/02/2020 15:10

Letting him try sounds like a nice idea but are you going to lock the fridge? Or bail him out when he's got no food after 10 days? Or when he cant get to college because no bus pass?

I think you'll need to be very tough or you'll just end up w a halfway house where he takes the money and does what he pleases and you pick up the slack.

BitchyArriver · 13/02/2020 15:11

Following !

SecretWitch · 13/02/2020 15:11

Please let us know how he gets on. I’m very interested in the outcome.

Pilot12 · 13/02/2020 15:11

It sounds like a great idea but I'd give him the money with a spreadsheet showing all of his monthly "bills" and how much disposable income he'll have left for the month otherwise I suspect he'll take the money, go on a spending spree then be back asking for money.

I'd put money on him going back to the current arrangement by the end of the month!

Booboostwo · 13/02/2020 15:12

It’s a great idea and a common suggestion in other countries. We follow the German system of pocket money where the amount increases steadily by age but the child has to take over responsibility for budgeting for their needs. My DC are much younger so DD 8yo gets 5 euro a week but she has to buy Christmas and birthday presents for the family and anything extra she wants for herself. By 16yo I would expect her to budget for clothes, school supplies, presents to friends, evenings out, etc.

In our household chores are jot related to pocket money. Chores are a contribution to communal living.

Lippy1234 · 13/02/2020 15:12

I think it’s a good idea and he could learn some valuable life lessons. I would be tempted to charge him small amounts for things like water, gas, electricity, wifi as well as his share of any TV subscriptions you have.

Sweetbabycheezits · 13/02/2020 15:13

I think it's a fantastic idea! I do agree with Newtothis though, that it has to be a month to month thing so that he doesn't do a crazy spend and then decide it's not for him!

Jessie9323 · 13/02/2020 15:13

I think it sounds like a great idea! At 16 I was helping to cook and do the family washing, as soon as I had a part time job I was paying a 'contribution' to the house funds etc.

85notout · 13/02/2020 15:13

It'll be interesting to see how it works

waterbottle12 · 13/02/2020 15:14

and what will you be taking off him for rent, utilities and wifi?

Booboostwo · 13/02/2020 15:14

This explains the German pocket money system:
www.postfinance.ch/en/private/needs/money-in-simple-terms/pocket-money-from-what-age-how-much-and-what-for.html

SoupDragon · 13/02/2020 15:14

It's a great idea.

University was an eye opener for DS1&2.

Pilot12 · 13/02/2020 15:14

I'd also expect him to ask for more money, where is your contribution? So far he's getting his Mum's money and his child benefit........

billybagpuss · 13/02/2020 15:18

Have you pointed out that if he were truly independent he wouldn't get the money from his mum and that will stop when he hits 18?

Drum2018 · 13/02/2020 15:19

I'd say his £380 will be gone in a week Grin Good idea though and I'd ride it out for at least 6 weeks to make him realise that it's completely unfeasible.

RhymingRabbit3 · 13/02/2020 15:19

I think it sounds like a good idea, and I dont think it will last. Interesting to see what he does!

ghostyslovesheets · 13/02/2020 15:19

Brilliant plan - I’d be interested in how it works. My DD (eldest) bangs on about how I get £500 a month ‘for her’ and she never sees it - I suggested I give it to her but in return she does all her food shopping- clothes -toiletries and pay 25% of the bills including mortgage

She declined Grin

ghostyslovesheets · 13/02/2020 15:21

Oh and she burns through her wages (£300 a month) in a day via Deliveroo and Boohoo

Swipe left for the next trending thread