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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:
LorenzoStDubois · 16/02/2020 09:23

Wow - he sounds like such a nice well behaved young man.
not.

you need to hide all your nice snacks in your bedroom or somewhere else because he will eat them all. guaranteed.

woodchuck99 · 16/02/2020 09:46

Thinking about it, whilst you aren't making money out of the contributions from the mother you aren't actually contributing much either OP. £50 contribution to bills is probably the actual extra cost of him living in the house (you would be paying the mortgage anyway so not an extra cost) so his mother is effectively paying everything for him. What is your DH's contribution financially?

ddraigygoch · 16/02/2020 10:16

That's ridiculous. Of course they're contributing more than £50 a month. Without him they could sell up and buy a much smaller property.

woodchuck99 · 16/02/2020 12:01

That's ridiculous. Of course they're contributing more than £50 a month. Without him they could sell up and buy a much smaller property.

Considering that most people don't sell up and buy cheaper property as soon as their children leave home I think it unlikely they would be living in a less expensive property if it wasn't for him. Even if they have bought a more expensive property than they otherwise would have done they will more than get their money back if they sell it so I think it a bit unreasonable to consider mortgage cost as part of his costs of living. I think the extra cost of him living there are at least covered by the £380 they receive for him.

MRex · 16/02/2020 12:32

I agree OP's DH isn't spending much on him apart from money they choose to hand over for the cinema (wick might not be as much as they perceive). Council tax costs no extra, nor will TV licence, broadband, water (if those aren't metered). Electricity & gas would be £40 max monthly for a full share but take out normal house heating and additional for him would be more like £15, his mobile say £20/month, his £10 TV service - say £45/month max. The food, travel, clothes are all more than accounted for in the £300/month leaving easily enough to cover £45. Maybe £100 for the dentist per year. What else do you actually spend on him OP, can you identify anything?

YouJustDoYou · 16/02/2020 12:37

I had to do this anyway pretty much as norm when I was his age as my dad had died and my mum had been made redundant and had zero money spare. It was obviously easier in the 90s/00s to get a job as a tee but I did and had to work for transport money etc. It was just way it was for my brother and I, and my friends too who all lived on council estates who zero spare parental cash. I think it's a great idea - it'll teach him what the fuck it means to actually take care of himself. Sounds like his mummy dearest has also obviously bee whispering in his ear about how the money is "his" and how "dad is keeping it all for himself" etc.

ddraigygoch · 16/02/2020 12:44

Well I'd also factor in the cost for pain and suffering for living with such an entitled unpleasant twat.

LonginesPrime · 16/02/2020 12:46

he apparently doesn't need us and we're just stealing the money he's entitled to.

Then why doesn't he just move out?

MRex · 16/02/2020 12:50

@ddraigygoch - ok, fair, list that at £100/head, so £200. There's still over £100 before we get to DH making a contribution that he doesn't consider discretionary where he decides when he will or won't hand over money. I'm not suggesting the boy should get any more money, because I don't think he needs any more without getting his own job, just trying to align the numbers. If he had been taken through all household costs then he might have had a chance to learn about budgeting rather than his sneering cheek being replaced by his dad and stepmum sneering right back at him.

ddraigygoch · 16/02/2020 12:52

Why does the OP have to spend anymore?!
The son has options. Go and live with his mother or suck it up.
No child needs close to £400 handed to them a month. Especially for sitting on their arse.

woodchuck99 · 16/02/2020 12:57

OP doesn't have to spend more. However, that doesn't mean he doesn't have a point about the fact that they aren't contributing to his costs and that all the money is coming from his mother. I can see why he doesn't feel that grateful.

ddraigygoch · 16/02/2020 13:12

Then I'd tell him to take it up with CMS. How often are mothers on here asked how much they're contributing? It's ridiculous.
That's her share for raising him.

It's not money he's supposed to be handed. But they're trying to teach him how to manage his own money.

woodchuck99 · 16/02/2020 13:22

It's not money he's supposed to be handed. But they're trying to teach him how to manage his own money.

They haven't been teaching him to do that though have they? They have actually been taking the money and only giving some to him and even that is with conditions. Considering it all really comes from his mother I can see his point regarding the unfairness of that. It would be fairer to say that their contribution was food/a room in the house and to give him the money to sort out everything else including bus fares etc.

MRex · 16/02/2020 13:24

But they aren't teaching him how to manage money, that's the problem actually. They aren't willing to sit him down and talk about actual figures for running a household, they just want to say "look, haha, you can't manage money" by giving him a load of money and assuming he can't cope.

ddraigygoch · 16/02/2020 13:30

Because at the moment his ego, arrogance and teenage twatishness is so great that he thinks he knows everything.
He won't sit down and allow adults to educate him.

Sometimes learning some humility is the first part of the lesson. Figuring out that you don't know it all and having to accept your wrong and apologise.

Skysblue · 16/02/2020 13:31

It sounds like you’re being rather extreme in your ‘either you’re financially independent or you do exactly what you’re told and we control the money.’ You seem to be setting up an experiment for the adults’ amusement in the hope that he will fail and come crawling back. Not great parenting. It sounds to me like your 16 yr old is struggling to become more independent and good parents would help facilitate, not mock, that.

Just for comparison, when I turned 16 my parents decided to help me learn budgeting. So they continued to provide food and house stuff, but gave me a monthly allowance out of which came all clothes transport (bus pass to school) snacks books etc etc. I was asked to keep a record of where the money was going so I could see for myself where my spending was going, and sometimes they’d ask to see it and chat through the decisions I was making and where I could save money. I was able to make my own decisions eg I chose to stop getting the bus to school and walk instead (8 miles roundtrip / day) so I could have more money for snacks/books and going out. I certainly never had to say “Dad can I have £10 for cinema”) and would have found that demeaning at age 16.

It was up to me whether or not I tided my room (mostly I didn’t). I did have to help with housework (laundry vacuuming etc), that was nothing to do with money that was about being a member of the family and not being useless and lazy.

Support his efforts to grow more independent or you’ll force him to fight you for it and have a lot of rows.

IanSomerhalderIsAGod · 16/02/2020 13:34

Interesting idea but not sure how well it will work. Worth a try though.

woodchuck99 · 16/02/2020 13:35

Because at the moment his ego, arrogance and teenage twatishness is so great that he thinks he knows everything.
He won't sit down and allow adults to educate him

I suspect that adults have been educating him and that's why he is feeling a bit ripped off. I think OP is greatly exaggerating the extra costs of him living there too. It probably isn't over £380 a month which means that is mother is paying for everything.

ddraigygoch · 16/02/2020 13:39

And if that's what CMS calculates from her salary why shouldn't she pay it?

Fr0g · 16/02/2020 13:40

good way of him learning about money - or not! Especially if share of bills unrealistic and no rent, but it's a start.
What's the worst that can happen?
Presumably if so independent also going to do own cooking/washing and learn to be more civil to his 'housemates'.

I was given my own 'family allowance' money from the age of 13-14, as my clothes allowance, and expected to buy all clothes and shoes including school uniform. I moved out when I was sixteen, and had my own flat through sixth year, supported by part time jobs - money was tight, but always been able to manage my own finances as an adult.
A Level results a bit crap - too many parties and part time work, but I survived Grin

Havannahh · 16/02/2020 13:49

At 26 I asked for a raise in pocket money thay my parents couldn't afford. Instead they gave me my child benefit but I had to buy my own clothes etc.

I wasted tge first moping on an Adidas branded jumper then soon learnt the joy of being frugal Grin

I do wish my parents had done more like that to help me budget etc properly.

ivykaty44 · 16/02/2020 13:57

are you sure you weren’t 16..?!

woodchuck99 · 16/02/2020 13:58

And if that's what CMS calculates from her salary why shouldn't she pay it?

I'm not saying that she shouldn't pay it but at the same time OP should appreciate she's not paying vast amounts for him on top and therefore this exercise is not going to teaching to be grateful to her or her DH for their financial contribution. It will probably just teach him that is mother does indeed pay for everything or nearly everything as he thought. He might not even feel has to do much more work if he doesn't have to tidy his room anymore or wash up all the dishes three times a week. He'll just have to washes his own clothes.

Poohpooh · 16/02/2020 14:03

@woodchuck99

I think OP is greatly exaggerating the extra costs of him living there too. It probably isn't over £380 a month which means that is mother is paying for everything.

Well if he wasn’t living there they could get a home with one less bedroom. That would massively reduce costs.

Havannahh · 16/02/2020 14:04

Ha ha @ivykaty44 yes, I was 16 not 26 🤣🤣🤣🤣🤣🤣🤣