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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:
woodchuck99 · 16/02/2020 14:05

Just worked out that DD lives on £400 a month after rent (she is a student) so realistically OP's DSS is not going to find it impossible to live on £380 a month.

woodchuck99 · 16/02/2020 14:11

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

If they are genuinely renting a larger home because of him then that would be fair enough. If it's a mortgage that's a bit of a tenuous argument. Most people don't downsize the minute their children leave home and even if they do they don't give the children a share of the equity on the grounds that they only bought a large house because they needed a room. You can't have it both ways.

Tulipan · 16/02/2020 14:12

How's it going so far?

Are you paying him your partner's contribution as well, before asking for a rent a room equivalent back from him?

woodchuck99 · 16/02/2020 14:17

Are you paying him your partner's contribution as well, before asking for a rent a room equivalent back from him?

Considering landlords rent rooms to make money he really would have an argument that they are trying to make money out of him if they asked for a rent room equivalent back from him.

copperoliver · 16/02/2020 14:21

I wouldn't charge him £50 as I would feel that as a father I would not be contributing to his needs, if he's mum is contributing £300. I also would not charge him for food so his mother and I would be contributing the same. However I would make him pay for everything else himself, bus fares,clothes his own lunches and everything but I would still give him dinner.
I would also make him do his own washing ect. X

Tulipan · 16/02/2020 14:21

That's true. At the moment though, they aren't giving him his full 'allowance'. You're right though, a cheaper than rent a room amount should be charged. It depends what their point is in doing this. He could easily live on just under £400 a month I would imagine.

woodchuck99 · 16/02/2020 14:25

It depends what their point is in doing this. He could easily live on just under £400 a month I would imagine.

I think OP's point is that he can't live off that which seems a bit of a strange assumption considering lowering the people do live off that after paying rent. I think OP may be the one learning a lesson about costs here.

Tulipan · 16/02/2020 14:26

Yes, I agree!

Iwouldlikesomecake · 16/02/2020 15:07

It rather depends on how much they are actually giving him ad hoc at the moment.

A playstation game is around £40-50. Trips to the cinema at £10 a pop, maybe twice or three times a month. Lifts into town, lifts to college. If he already can't be arsed to get the bus and then is told he has to pay his own travel I can't imagine he is suddenly going to become a person who will walk everywhere to save the bus fare.

New clothes, birthday presents, he is coming up to the age where his peers will be drinking and that isn't cheap. Yes, £50 a week for food and socialising is lovely but £50 a week for food and socialising plus clothes and 'grown up socialising' isn't that much, especially if all your friends are still being subsidised by mum and dad.

It's quite different living as a student on very little when everyone is in a similar boat and you all live in the same kind of area and socialise in cheap student venues.

He will also realise the mental load of having to organise himself with food. After a week of living on crap, or having to think of his own meals, when there is a tasty varied alternative in front of his face, he will soon realise he's making quite a sacrifice. And a McDonalds meal is around £5, if he ate something like that once a day he'd soon run out of money and you won't get much cheaper than McDonalds when it comes to fast food.

If nothing else it will make him either be more frugal to prove you wrong or he will realise that toiletries etc cost a lot, and that things you 'don't think of' when budgeting all add up. Grown adults have problems understanding this so it stands to reason that a 16 year old won't put two and two together that although it is 'just' £10 for the cinema and 'just' £20 a week for a bus pass or whatever it all adds up and means you can't just go and buy those nice trainers you want.

Scarlettpixie · 16/02/2020 15:10

I think it is a bit extreme but would be interested to see how he gets on.

Personally I would have scaled it back. Sat down and worked out what is spent on him directly/luxury stuff.

Eg:
Clothes
Shoes
Phone
Game passes
Snacks
Pocket money
Holidays
Days out
Cinema
Sports
Lifts
A share of internet and tv subscriptions
Etc

I would work out what is spent and discuss it with him. Explain that on top of that is the cost of the house and bills.

My 13 yo has a budget for clothes and spending money. He mentioned that some of his friends get more for spends but they pay for days out and phone top up with theirs which I pay for him. He is old enough to appreciate that we live in a bit bigger house which costs more to run and that I pay for everything out of one wage. We also like to go on holiday. Different people have different priorities. I am trying to teach him the value of money and how to budget. I will increase his budget when he starts going out more and copes well with what he has.

Iwouldlikesomecake · 16/02/2020 15:13

To people saying there are folk who live off £400 a month after rent - yest they do and it is shit. And they aren't off to the cinema weekly or buying nice clothes or eating out or getting taxis. They are the people who are scraping together £5 for the electric meter or asking about how to make cheap easy meals that don't require a lot of fuel for extended cooking, or who aren't putting the heating on... I could go further.

If you are paying for mobile, phoneline and broadband, gas, electric and water, contents insurance for your belongings, travel, clothes and food for less than £100 a week you really aren't living in the sort of luxury where you can spunk half a week's money on playstation games Hmm

Oblomov20 · 16/02/2020 15:29

Sounds a good idea. Teenagers have no idea how expensive it all is, even though you explain it all.

Tulipan · 16/02/2020 15:33

That's why the op's experiment seems a bit doomed (but I am interested!)

Her stepson will still have hot water, electricity, washing machine etc. He needs to pay for travel (and it is v expensive!) but might decide to cut back on his mobile or xbox subscriptions for example.

My teen would be fine on that amount I think, but I would genuinely see it as a useful step towards independence.

Havannahh · 16/02/2020 16:46

The point of the exercise is for SS to realise the value of money. He envisages he could be spending nearly £400 on computer games, nights out and luxuries.

He will hopefully learn;

That you might buy 6 computer games for that, but you'd be eating beans on toast all month

Budgeting skills

What essentials like food, bus tickets and entertainment costs in comparison to each other. E.g. that a cinema ticket costs the same as enough meat for a week's meals

Developing responsibility for financial decisions. If I buy X at a premium, I can't also afford Y, whereas if I bought the value brand I could

Cookery skills

Inventory management (if I eat all the biscuits on day 1 i won't have any until i go shopping again next week

An appreciation for the time cost and effort that goes into cooking, cleaning and laundry (ooh good point OP - housemates take turns to clean the bathroom and hoover the house etc!).

Quite a lot of valuable life lessons in it for him.

PlumsGalore · 16/02/2020 16:50

It absolutely won’t work. He will spend the lot in a week or two and then starve to death. Obvs you won’t let him starve to death so you will feed him and bail him out and thus, nothing will have changed except he will have had a massive pocket money increase.

Fr0g · 16/02/2020 16:53

On the issue of not charging rent - saving if they had a smaller house. I bet they'd find a more polite, considerate lodger if they wanted to monetise the 'spare' room.

ssd · 16/02/2020 16:56

Good on you op, he sounds an entitled little sod.

woodchuck99 · 16/02/2020 17:01

And they aren't off to the cinema weekly or buying nice clothes or eating out or getting taxis. They are the people who are scraping together £5 for the electric meter or asking about how to make cheap easy meals that don't require a lot of fuel for extended cooking, or who aren't putting the heating on... I could go further.

I don't think my dd is saving money for the electric or not putting the heating on. She isn't eating out much but certainly goes the cinema and gets taxis. I don't think those things are that expensive if you go on cheap days of the week and share with friends. Surely most students live like that and OP's dss is a similar age.

woodchuck99 · 16/02/2020 17:07

A playstation game is around £40-50. Trips to the cinema at £10 a pop, maybe twice or three times a month. Lifts into town, lifts to college. If he already can't be arsed to get the bus and then is told he has to pay his own travel I can't imagine he is suddenly going to become a person who will walk everywhere to save the bus fare.

But why are they buying him those things rather than just giving him the money from his mother and letting him sort himself out. Their contribution could be his food and obviously a room to sleep in.

Nomel · 17/02/2020 07:56

@SunshineAngel just out of interest has he started getting to college on time or is he still expecting lifts?

andyjusthangingaround · 17/02/2020 22:12

@SunshineAngel
I got home from work and no update?
C’mon OP! ☺️

ssd · 17/02/2020 22:18

Yes, update us please!!

EggysMom · 19/02/2020 19:37

I was rather hoping there'd be an update from OP by now.

ashleigh3119 · 19/02/2020 19:42

Brilliant plan. Please let us know how this goes!!

rosegoldivy · 20/02/2020 07:56

How's it going OP?