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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:
ddraigygoch · 15/02/2020 12:19

With parental consent.

Alsohuman · 15/02/2020 12:34

With parental consent

And?

SoupDragon · 15/02/2020 12:36

Well, that depends whether we are talking about England or Scotland doesn't it?

Myshitisreal · 15/02/2020 12:41

Interested to see how this turns out. His outgoings are 180 (50 bills, 100 transport, 20 phone 10 WOW). That leaves 200 to pay for all food and snacks including lunches, toiletries, Ps Subscription, plus 4 weeks of socialising.

Alsohuman · 15/02/2020 12:42

Of course, hence the elopements to Gretna Green. Thanks for reminding me @SoupDragon.

ddraigygoch · 15/02/2020 12:42

@Alsohuman so they can't get married if mummy and daddy say no.
Which isn't the same as your statement of 16 year olds can get married. Because there's a massive But on the end of it.
They're not adults with their own free will.

PleaseStopCallingMe · 15/02/2020 12:48

@SunshineAngel
Considering it'll be a while before he needs to buy himself new clothes etc - you'll effectively be giving him £45 a week to spend on food (after his other expenses are paid)

He'd have to be really poor at managing his money to not easily manage that; and he won't learn anything as in his mind he was right that you were just taking extra money.

You need to make this a realistic example - find out how much it costs to house him and charge him that. Have something in place so he doesn't just use you like a hotel.

Sickofrain · 15/02/2020 12:59

It sounds an excellent experiment. I hope that he does really well on it and learns some Important life lessons.

ivykaty44 · 15/02/2020 12:59

16 year olds can get married in U.K. without parental consent, but they need to go north of the boarder

cloudrunner · 15/02/2020 13:04

I think you're being imaginative and giving him a chance to take responsibility - please do tell us how it goes.

SunshineCake · 15/02/2020 13:43

My sons are 14 and 18 and very capable. My Dd is the second child and pretty useless. What do you do when they don't want to learn ? She has lofty ideas but while she might have to learn the hard way I don't want her peers hating her.

Bagofoldbones · 15/02/2020 13:52

He mostly will most likely do a great job (if he is anything like my dd1) and then next month you will be scratching your heads on how to tell him you need the money back as you’ve massively undercut yourself in regards to the bills.

A spread sheet with all the costs of the house could have been enough.

May have shot yourself in the foot here.

strawberry2017 · 15/02/2020 14:09

So curious as to how this turns out! I think it's a great idea. He will either thrive or fail massively!
But either way it's a great lesson!

Myshitisreal · 15/02/2020 14:29

I'd also provide him a list of all the cost to run the house and bills etc divided by 3 so he has an idea of how much of a bargain his £50 a month actually is. If he goes to the cinema once a week that's easily £50, so £200-£50=£150 for all food and toiletries plus other socialising. If he doesn't know to cook it will be very interesting to see how much he spends on food because I can imagine it would have to be processed/ready to eat

Graphista · 15/02/2020 15:03

“Not only do parents infantilise their adolescences, the peer pressure they give out makes it much harder for those parents that want to give responsibility to their teenagers much harder”

Yes it’s definitely not just individual families, there were times mid teens when during arguments about other things dd would say it wasn’t fair that certain of her friends/peer group did NO chores at all literally to the point their parents made ALL their meals and snacks for them, picked up whatever they left a trail of, made their beds etc AND gave them generous pocket money AND would run them here, there and everywhere on a whim!

But now those same families the children are now adults, refusing to get jobs or otherwise contribute and the parents are tearing their hair out! The children equally are moaning that they can’t afford to join dd and others on nights out clubbing, concerts & raves, weekends and holidays away. At times they’ve tried to work it that dd and other working friends sub them, dd & the others soon got wise to this thankfully and told them to quit whining or get jobs so they can participate but that they weren’t going to sub them. They’d worked hard for their wages and weren’t spending them on people too selfish and lazy to get off their arses and get jobs themselves.

Yes it’s hard as a parent, but you have to stick to your guns and hold onto the fact you’re not just helping yourself short term in not being made a mug of you’re also helping your child long term to become a responsible, capable and confident adult.

Dd isn’t perfect, neither am I we certainly had our “moments” but at this point I’m incredibly proud of her and hope it means I’ve done right by her in preparing her for the world.

Sometimes you don’t have a choice. Especially if the NRP stirs it, or alludes to the “hundreds and hundreds” they pay yea its unfortunately a common but appalling shit stirring trick used by many nrps.

ivykaty44 · 15/02/2020 21:55

. If he goes to the cinema once a week that's easily £50

Really..? £50 for one admission to the cinema wow, that’s pricyy!

I went in US and thought it was expensive for two and a small popcorn it was £30

Purpleartichoke · 15/02/2020 22:17

im Surprised people think this is a novel experiment. It’s actually not uncommon. I mean, they even did it on the Cosby show in the 80s.

Comefromaway · 15/02/2020 22:38

*. If he goes to the cinema once a week that's easily £50

Really..? £50 for one admission to the cinema wow, that’s pricyy!

I went in US and thought it was expensive for two and a small popcorn it was £30*

My son went to the cinema last week with his friend. His costs were

Bus fayre £2.50
Pizza beforehand £5
Pick n mix cup from Poundland £1
Bottle of soft drink £1
Cinema Ticket £7.99 each

A total of £17.49

Bagofoldbones · 15/02/2020 23:19

Graphista totally agree with your posts

I was told by other parents I was too hard on dd1 ( I was a single mother then) because I made dd get a Saturday job at 14 ( washing pots in a pub) she could earn her own pocket money. If she wanted something expensive at Christmas ( iMac) she had to put towards it. She’s constantly been in work since then and now at 24 flies around the would for her career.

I worked FT and she had to do chores in the house. She really had to pitch in. It was the best thing I ever did even though at times she moaned about it. But she’s living the dream now.

PegLegAntoine · 15/02/2020 23:48

Sounds really interesting but as others have said I’d be worried it’s going to backfire because he will have lots of disposable income. I’m not sure giving him such a low estimate of his contribution for bills was the best plan really. I’m imagining a smug “well that was easy” result, perhaps.

Myshitisreal · 16/02/2020 00:49

The op said he asks for 10 for cinema trips so 50 was an average over the month basing it on one trip a week. As shown, cinema costs can really add up if you don't take your own drinks and snacks 🤑🤑🤑

Weffiepops · 16/02/2020 01:17

YANBU good idea

andyjusthangingaround · 16/02/2020 08:56

One more day to go OP!
I keep this chat in my ‘watching’ list so can catch up once I am home from work tomorrow.
Please do keep us updated! ☺️

corythatwas · 16/02/2020 09:08

I get that this boy is being extremely difficult.

Otherwise I am not keen on experiments that basically set young people up to fail. It would have been perfectly easy to do a modified version of this from the start, simply as a learning tool, without the aggro. Both mine got a (fairly small) monthly allowance from age 16, with which they had to keep themselves in clothes and toiletries. They learnt but they also got the message that "if I put some thought into this I can manage adult things".

What this lad is set up to learn (and I totally get the temptation, OP) is that "I can't manage without grown-ups thinking for me". And 2 years away from adulthood I am not sure that's the best lesson for either him or you.

woodchuck99 · 16/02/2020 09:12

Although it sounds like a good idea, I think it could backfire for you. He may be able to manage quite easily on £300 a month even if he is paying for food. I used to have a similar discussion with my mother. She eventually gave me an allowance for everything apart from food when I was 16. She gave me what she thought what she spent on my clothes and everything else but it demonstrated that she spent little (which is why I wanted an allowance). It was great for me to suddenly be able to buy what I wanted and still save though.