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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:
independentfriend · 13/02/2020 19:23

Not a bad idea to try this, but make sure you leave room for your step son to back down without too much embarrassment. You don't want him to borrow money from unsavoury types at college or to get involved with drug dealing or similar because he doesn't feel able to back down from this fight.

You might also encourage him to look for a weekend/evenings job to give him his own income whilst he's studying.

ivykaty44 · 13/02/2020 19:25

YANBU

Your DSS should be fine with that amount of money.

Dd2 started working after GCSE and her face when she saw her bank balance after payday.

Dd went to college but worked at the same time, she funded her own lunches, trips out, cinema etc also funded her own driving lessons, first car and nights out as she got to 18

The only difference is that dd earned her own money and I cooked supper

I don’t see an issue with teens looking after themselves

FraglesRock · 13/02/2020 19:36

Keep us updated.

I did a watered down version where dd got pocket money which included transport to college, lunches and clothes.

She walked to college, made lunches and really thought about cost of clothes.

Set her up for success at uni.

CurlyMango · 13/02/2020 19:36

Also very interested, do keep us updated

Tuckwit · 13/02/2020 19:42

Interesting!! I have a 14 year old DS you will def have to keep us updated as to how he gets on.

Gingerkittykat · 13/02/2020 20:50

He will have approximately £200 after his transport, phone and gaming bills are paid or £120 more than he had before. Buying his own food etc is going to come as a big shock to him.

I would say he could do well for the first month but as soon as he needs to buy clothes or trainers then he will struggle.

FizzyIce · 13/02/2020 20:56

Go for it , I’d be surprised if he even lasts a month !
Ds only really learnt to budget when he went to Uni so you’re giving him a head start .. or a wake up call !

Nomel · 13/02/2020 20:59

Good luck to him!

overnightangel · 13/02/2020 20:59

If nothing else he’ll learn a lot! Could be good for him!

getyourarseoffthequattro · 13/02/2020 21:00

Yanbu at all! i bet he doesnt last long.

Dss is 15 and the same. He'd not last a weekend.

lyralalala · 13/02/2020 21:08

I had to do something similar with my DD2. Her Dad put the idea in her head that he was funding me to a huge extent and I was still saying no to an endless stream of expensive hobbies (she wanted to add horse riding to swimming club, ballet and tap dancing and I just could afford it) even though I spent nothing on her.

I got her to do a spreadsheet with what she thought was the income and outgoings of the house

Then I sat down and done the income and outgoings

Firstly she was hugely shocked at the difference between the two sheets.

Then we did the CSA calculator for my wage and added that to what her father paid. That gave her her “budget”

We worked out a third of the bills, then all the things she needed (lunches, bus fare, clubs). Then I reminded her she needed to think about clothes and shoes so added a monthly contribution.

Then she realised she was in a minus so decided to stick as she was and her pocket money

MummyOfBoyAndGirl · 13/02/2020 21:16

Great life lesson

MummyOfBoyAndGirl · 13/02/2020 21:17

^ posted too soon

At his age I had a weekend job so didn't get pocket money!

IceCreamAndCandyfloss · 13/02/2020 21:21

So he will get the £80 child benefit and the £300 child support payment from his mum? Out of that he will pay for everything including £50 for bills.

What will his father be contributing then? Why is only mum and benefits covering his costs?

Graphista · 13/02/2020 21:23

It’s a good idea BUT I WOULD be charging the actual costs for

Rent
Gas/electric
Tv licence
Broadband
Streaming services
Groceries other than food - like cleaning products or does he not wipe his arse? Or what will he wash his dishes with?

Hand him the money in cash in small denominations and have him physically pay back straight away regular monthly costs.

I’d be getting some dayglo tape and I was gonna say stick on the stuff he CAN’T use a bit like how they do on “eat well for less” but it may be easier that he tapes the stuff he’s bought and he can only use that stuff?

I’d be tempted to lock away as far as possible everything else. If you catch him using something that’s not his have a charge for each use, even if that’s only 50p or whatever.

My dd at a younger age her dad wound her up like this, I sat her down and showed her the spreadsheet of all our outgoings and did a separate sheet with a portion of each of the things she used and showed her how much that came to - more than double what her dad was supposed to pay in cm which he didn’t even do every month! She “got it” and she was a good bit younger than your stepson.

He’s being an entitled brat really! He’s MORE than old enough to know that the

Roof over his head
A warm home with hot water whenever he needs
His clothes and shoes
His travel costs
His furniture and furnishings
His toiletries
His food
His tech & broadband & tech services
The cleaning products that keep his home clean and healthy...

DO NOT come for free!

getyourarseoffthequattro · 13/02/2020 21:24

icecream presumably his share of the rent/mortgage and rest of the bills? Realistically £50 doesnt cover 1/3 of a households bills does it?

BrightYellowDaffodil · 13/02/2020 21:31

Given his attitude, I'd say go for it but give him the money weekly and also give him a face-saving way out by, say, offering to review the situation after a month and he can choose to go back to the old way if he wishes (subject to a review of attitude and chores!)

EveryFlightBeginsWithAFall · 13/02/2020 21:39

I'm just glad that my 16 year old isn't such an entitled pita with no concept of how much it costs to run a house

Saying that , there seem to be grown adults on here that can't understand that £50 A month doesn't cover rent and bills and think his dad should be giving him money too Confused

IceCreamAndCandyfloss · 13/02/2020 21:44

He’s 16 and a child who’s parents are still financially responsible for him. The mortgage costs are the same with or without him, likewise most bills will be.

EveryFlightBeginsWithAFall · 13/02/2020 21:59

So you think his dad should give him an extra £300 And he shouldn't have to pay towards bills or board?

So £680 A month to a 16 year old ? Come on

Heartofglass12345 · 13/02/2020 22:00

It could work or it could go horribly wrong, just be prepared to bail him out lol.
Please stop making his lunch for college for him however it turns out though, he's a big boy now!!!

IceCreamAndCandyfloss · 13/02/2020 22:01

No, I think it’s silly to make a 16 year old responsible for paying their own way in life.

I was pointing out that both parents, not just mum, should be contributing to their child.

Graphista · 13/02/2020 22:02

@IceCreamAndCandyfloss I generally prefer not to engage with you but feel it needs pointing out that NO rent/mortgage and bills ARE NOT the same cost as without the child.

Without the child the parents could have a home with at least one fewer bedroom. Even where I live which is one of the cheapest parts of the country the difference between a 1 bed and a 2 bed flat is at least £100 a month, in theory I could save even more if I opted to go a house share or studio route.

Gas and electric costs would reduce, my dd moved out a few months back and I've really noticed the drop in fuel costs now she's not here. More than 50% less (teens/young adults can be buggers for using loads of hot water and leaving stuff switched on)

Food similar.

Even little things like I'm down to one screen on Netflix which is a few quid cheaper.

They don't live on fresh air!

Graphista · 13/02/2020 22:03

AND if you have a smaller home you generally have cheaper council tax too, not always but often.

GrumpyHoonMain · 13/02/2020 22:07

You seem to think you’re setting him up to fail but what happens if he succeeds? What is the lesson he’ll learn?