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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:
Drum2018 · 13/02/2020 15:22

@Pilot12 op doesn't have to give a contribution. Her Dh is giving him a roof over his head, use of all utilities for a measly £50 per month. So effectively Dh is covering the majority of his rent and utility bills.

sparepantsandtoothbrush · 13/02/2020 15:22

I think this is brilliant Grin I don't think he'll last much past half term

TokyoSushi · 13/02/2020 15:23

Great idea, keep us posted with how he gets on!

Yellowcakestand · 13/02/2020 15:24

It's a good idea. It will give him a flavour of what's to come and hopefully he will manage money well by doing this now.
I moved out at 16, got into a lot of debt by not having a clue how to manage money

Ellisandra · 13/02/2020 15:25

You say you’re doing it properly... yet you’re not even charging him the full share of the bills, let alone rent. Even if you say he owes no rent as that doesn’t cost you any more to have him - and he is your husband’s child - you should absolutely charge him a fair amount of the bills.

Penners99 · 13/02/2020 15:25

Love to be a fly on the wall when reality bites him on the arse!

TheBigFatMermaid · 13/02/2020 15:26

I bet the money will be gone quite quickly, but make sure the arrangement is stuck to, so he has a pretty joyless few weeks after that to realise exactly how lucky he is.

didyoueverdancewiththedevil · 13/02/2020 15:28

So have I got this right? Mum pays £300.00 maintenance. I assume this is her "share" of what DSS costs to run on a monthly basis. The CB you receive because he lives with you. So DSS costs £682.00 per month to live in your home with the two of you?

On the basis that mum is not responsible for 100% of the cost of bringing up DSS I assume that your DH is also spending around £300pcm on his son? Of course this takes into consideration providing him with food/a bedroom/a proportion of the house running costs etc?

So if DSS gets the £300.00 from mum plus the child benefit and you withdraw all additional help/support/food and DSS is paying for "everything" plus a £50.00 contribution towards his "keep" at your house what will your DH be paying for?

Of course what mum pays is a contribution towards DSS but his dad should also be paying towards his care. If you withdraw all financial support and DSS is then expected to pay for everything, including food,, as well as giving his dad £50.00 per month what will his dad be paying for?

Chasingsquirrels · 13/02/2020 15:30

I'd suggest that the £380 is split and given weekly, just because this is a big change and he may be tempted to blow the lot - so don't set him up to do so.

BrieAndChilli · 13/02/2020 15:32

I would work out the actual cost of his share Of rent, utilities, WiFi, council tax, tv licence. House insurance etc etc then divide his share in half (so half paid for by his dad) and then the other half is what his mums £300 is supposed to cover so he needs to pay for that from his money otherwise he will think his money covers his expenses and won’t realise the value of the unseen costs of bills

BrimfulofSasha · 13/02/2020 15:32

great idea in theory but what happens if he steams through all his money in week one and hasn't paid his DD and has no money for food...he knows you won't let him starve.

britnay · 13/02/2020 15:33

I would suggest easing him into it by paying it a week at a time, so he will at least always have enough money at the start of each week to pay for bus, food etc. Otherwise he might spend it all and panic at the end of the month and you'll have to bail him out because you can't have him not eating or going to college!

MrsTerryPratchett · 13/02/2020 15:35

Otherwise he might spend it all and panic at the end of the month and you'll have to bail him out because you can't have him not eating or going to college!

You need a plan for this. IRL that's the food bank and walking but you need a pretend equivalent. He can't spend, beg, go back to being a family member and forget the lesson.

kerryleigh · 13/02/2020 15:35

I think it's the right thing to do and it's a good lesson. I also agree with pp that he should know that he can't change his mind after spending the money in 2 days
My eldest dd is at uni and works the weekends. I will never forget her face when she first paid for her allergy monthly prescriptionGrin
I'm very curious how will this end and how fast, so please let us know

RhymingRabbit3 · 13/02/2020 15:37

what will your DH be paying for?
Rent/mortgage/house maintenance
The rest of the bills as OP already said £50 is not actually enough to cover DS share.

I agree with PP about giving him the money weekly rather than monthly so he can't blow it all in one go and then back out of the deal.

Motacilla · 13/02/2020 15:39

I know rents vary by area so it depends where the OP lives but around here a single room would be £400-500 and a double room £550-650 per month (inc bills) so only charging £50 per month towards bills means the Dad's contribution is still being applied.

3rdNamechange · 13/02/2020 15:40

Keep us posted OP very interesting

Strictly1972 · 13/02/2020 15:46

@didyoueverdancewiththedevil has a good point actually..

Strictly1972 · 13/02/2020 15:47

I think you need to do more of a breakdown of what expenses you are still covering. I’m sure the rent & utilities will be at least the same amount from his dad.

NurseButtercup · 13/02/2020 15:49

I had a similar attitude when I was 16, but I was assigned more responsibility around the hom. I do think the project is a very good idea but, I think you need to take it further & charge him a nominal amount for gas, electric, water and council tax as well. What you've currently outlined reinforces his view that the £££ is solely to finance his leisure & travel.

Anyway I suspect he'll start stealing food & run out of money by the end of week 2. I do hope that I'm wrong. I look forward to your update.

mantarays · 13/02/2020 15:50

Honestly? I’d have sat his entitled little arse down and told him to get a job or stop whining. This is sheer pandering.

goingoverground · 13/02/2020 15:54

In theory, it's a good idea. In practice, maybe not so much. What happens when he realises that he has 2 parents and CM is a means tested contribution towards the extra costs that the resident parent has, so his DF should also be "contributing" as the only extra costs he now has are providing a room (how are you going to quantify the cost of that?). If he hasn't grasped that the CM and CB are meant to go towards living costs, not just spending money for him, he will probably feel entitled for an allowance from his DF.

You could give him £680 and charge him rent, utilities and food but even then, to be fair, you would have to apportion it based on the real percentage increase in costs for you supporting him rather than market rates because this is meant to be a lesson in how much it costs to raise a child not how much it costs to live as an adult (and £680 is not an adult salary).

We gave our DC an allowance for clothes/petrol/travel/socialising/phone etc at that age to teach them to budget. It was a nightmare trying to work out what was fair... Maybe you could make a spreadsheet with him of his those costs with him so he can see how much money is spent on him even before bills/holidays etc. Or ask him to do an estimate. Then maybe you could agree an allowance to cover certain things so he has freedom of choice and learns to budget.

As for chores, he has 2 choices: share the chores with the family or do everything for himself.

rosegoldivy · 13/02/2020 15:58

Please keep this thread updated daily of how it goes.

I want full details of every penny he spends and what he eats and cooks and how he figures out the washing machine.

God I'm so invested in this already.

drinkygin · 13/02/2020 15:59

I agree with @mantarays . He sound a cheeky little shit. I’d be telling him in NO uncertain terms that it isn’t “his” money, it’s money to keep a roof over his head, food in his belly and utilities. And if he doesn’t like it he knows where to go.

PerfectParrot · 13/02/2020 16:33

this is meant to be a lesson in how much it costs to raise a child not how much it costs to live as an adult

I think it is more of a lesson in "be careful what you wish for". He asked, the OP and DH complied.

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