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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:
bridgetreilly · 13/02/2020 16:57

I would definitely let him try. I would suggest to him that he needs to make a monthly budget and offer to help him with that.

fishonabicycle · 13/02/2020 16:59

Sounds a plan. Also sounds lovely me he is a pain in the arse.

Teateaandmoretea · 13/02/2020 17:01

It blatantly won't work. He will blow the whole lot in one go then you will have no choice but to pay for his food

Louiselouie0890 · 13/02/2020 17:04

I give him two days 😂

WeeNippy · 13/02/2020 17:12

Not unreasonable at all. I was living independently and had a full time job at 16. Too many parents running around after their almost adult kids. The result of that can be seen on many many MN threads. Making his lunches? What's that all about?

SoupDragon · 13/02/2020 17:29

He will blow the whole lot in one go then you will have no choice but to pay for his food

Beans on toast

bridgetreilly · 13/02/2020 17:31

It blatantly won't work. He will blow the whole lot in one go then you will have no choice but to pay for his food.

  1. He might make it work, in which case, good for him.
  2. He might try really hard to make it work, realise it doesn't, and that he was on a better deal before, and be more grateful for it, in which case, job done.
  3. He might blow it all, and yes, I'm sure OP will feed him, but he'll have to manage without his playstation, cinema, phone and all the other things they're currently paying for. Again, lesson learned.

I don't think there's a bad outcome here, honestly.

ALLMYSmellySocks · 13/02/2020 17:37

I think it's interesting but might not go the way you want. He's a teenager and won't want to back down graciously when he realises its harder than he thought.

picklesdragonisawelshdragon · 13/02/2020 17:39

Has this arrangement already been agreed?
I'd worry it will cause arguments and leave DSS feeling bitter.

It would be kinder to involve him in setting up his budget.
Make a spreadsheet with the phone, college transport, PS4, WoW.

On a separate sheet
Add a third of the utilities bills.
Add a third of the mortgage.

Have a conversation about those figures, and point out that food, clothes and social life/luxuries hasn't been covered yet.

Talk about the household routines- that he can keep his room and bathroom clean, do his own washing, but that food is far harder to do individually- give him an idea of the time you spend cooking and shopping, but an extra person doesn't impact time much.

didyoueverdancewiththedevil · 13/02/2020 18:08

I think that teaching DSS the value of money is fine. By all means show him the household expenses. Work out how much the bills are increased by his presence in the house, extra food, electricity etc. Let him see what he “costs”if you prefer to put it that way.

But let’s not pretend that he’s an adult and responsible for one third of the household costs (assuming of course there are no other minor children in the house). If that were the case then no maintenance would be payable and no one would be in receipt of child benefit because he would in fact be an adult and your DP would not be entitled to the maintenance or CHB.

Resident parents receive maintenance to cover a proportion of the additional expenses incurred because the child lives with them, an extra bedroom/higher household running costs etc. To effectively assist the joint parent in funding the total costs for that child.

The resident parent is also financially responsible for that child. So for this to work you would actually need to give your DSS his mum’s £300, an equivalent amount from your DP plus the child benefit. Then you deduct an amount for the food he eats, the difference in rent/mortgage to cover the additional bedroom and then a proportion of the household bills. And he then gives you this money to cover his costs. What he actually costs and not a third of the bills for running your house. Because if he’s giving you a third then he gets a say in things, like any other person who is paying a third of the household expenses. And that way lies trouble and giving him even more power.

Yes he’s bang out of order but he’s also your DP’s son and presumably your DP loves him and doesn’t want to make this situation worse?

kitk · 13/02/2020 18:14

Following

EL8888 · 13/02/2020 18:24

This is hilarious!!! The fact he’s so entitled and thinks he can pull it off. I’m very cynical that he could. But yeah give him a bit of a taste of the real world and see how it looks to him them... But yeah he needs to mindful Mum won’t be giving him money forever and in “real life” he would have to pay rent / mortgage / bills

LaurieFairyCake · 13/02/2020 18:28

Obviously pay him weekly or you will be paying twice

JesusInTheCabbageVan · 13/02/2020 18:30

Excellent idea! I remember feeling similarly outraged when I realises my parents were receiving child benefit for my sister and me, and we weren't seeing a penny of it Shock ShockGrin

JesusInTheCabbageVan · 13/02/2020 18:31

Oh Ffs realised, not realises. I'm not the BFG.

BarbedBloom · 13/02/2020 18:33

I think let him try. I managed all of my own money at that age, bus pass, clothes, entertainment etc. I moved out the second I hit 18 so was saving towards that (abusive parents). I think it is a good lesson to be honest. I think you could Google the local room rates though as a lot of them have bills included and he shouldn't be paying 1/3 of rent mortgage if he only has his room. His father then needs to work out what his own contribution towards his sons costs should be as it shouldn't be just his mum paying.

GreenTulips · 13/02/2020 18:35

Please keep a diaryv

NurseButtercup · 13/02/2020 18:36

I'm just reflecting upon my life at the age of 16, I had just received my national insurance number card and I couldn't wait to grow up. Oh how I wish I could go back and give my 16 year old self a good shake.

This thing called ADULTING sucks!!

Jokie · 13/02/2020 18:39

I think it's a great idea but how are you going to police that he doesn't just eat the food from the freezer? Or hoard snacks in his room once the money runs out?

Oxfordnono12 · 13/02/2020 18:39

This sounds great!! I look forward to hearing the out come! Wonder will he have the lot spent in one week.. very interesting..

andyjusthangingaround · 13/02/2020 18:42

@SunshineAngel - all due respect to you and your DH!

Please go ahead with this plan! I love the idea that both of you are willing to take him on his slave claims.

it will certainly teach all interested parties a very useful lesson. He might surprise you (wouldnt hold my breath) or just realizes how expensive life is.

All the best OP, please do keep us in the loop!

Alsohuman · 13/02/2020 18:56

OP, I think I’ve fallen a little bit in love with your husband! Please keep us updated, won’t you?

amazedmummy · 13/02/2020 19:09

You have to let us know how he gets on.

Warmfirechocolate · 13/02/2020 19:09

I am seriously tempted to do this my DS. Except he’s not that rude and ungrateful really.

However he adores his Dad and does think that his Dad pays enough maintenance, at £180 a month it’s nowhere near even his clothes bills. And asks me for stuff all the time, but never his Dad. I’ve paid all school trips tuition etc.

He refuses to see the budget that I laid out for him once when he said his Dad was struggling for money again. (He doesn’t he just makes him feel like that)

Part of me would really like to see the end of your experiment! As I’m worried my DS will rely on me, and not his Dad, forever if he doesn’t start to see what things really cost.

YasssKween · 13/02/2020 19:21

I think this is a great idea but you need to take some money for contribution to living costs - wifi, heating, water, insurance etc.

Otherwise he is really getting £300 ish of disposable income which isn't what that cash is for you - the whole point is that he understands it goes towards the bills etc.

I'm sure he'll be fine on £380 for a month, the point you need to get across is the hidden costs not just fun ones or treats.