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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:
ImaginaryCat · 14/02/2020 07:46

Ooh, halt term's here and the petulant Kevins and Perrys are rocking up to support your DSS, hey @Yeahnah2020?

SoloMummy · 14/02/2020 07:53

I assume thta given it is half term there's every likelihood the money won't last the week.

So to assist have you insisted that all direct debit payments are made on pay day so he knows what's gone?

Likewise have you given him a budget sheet? Not prescriptive, but perhaps making him familiar with say college transport costs etc or at least what will need to be paid? Otherwise you're both effectively giving him 380 to burn this week.

I don't think his assertion is rude as such. I think it's just a typical naive teen approach and naivety.

I remember being given the option of pocket money OR to continue as we were with all the perks provided at that time, so you know sweets on the Friday, magazine, etc plus the other treats. I felt I was hard done by as teens do and actually then when everything was put into black and white you realise otherwise.

Christmaspug · 14/02/2020 08:01

Not a good idea
Because it’s unrealistic,your not charging rent ,or what he is actually using in bills
I expect as that’s a lot of money,he will manage just fine ,living of pizza and takeaway ,not buying many clothes ,and spend a fair bit on weed .
Then when you realise it’s not working,he’s it going to want to give up that amount of money in a hurry
It also means he won’t bother looking for a part time job ,why would he with money to burn

oldfashionedtastingtea · 14/02/2020 08:16

Please update daily, I'm very interested in what will happen.

winobaglady · 14/02/2020 08:23

Not RTFT, sorry. But will you or DP be giving him guidance or help on how to budget?

DressesWithPocketsRockMyWorld · 14/02/2020 08:27

I actually love this idea!! Fantastic effort from both you and your DP. I am bored to death of my teens tapping me up and moaning saying "mum it's only 20 quid". Cant wait for updates!

FreakyToes · 14/02/2020 08:31

Love this idea! DSS clearly has no concept of the cost of living or value of money so this will teach him a valuable life lesson and to be more grateful.

If this experiment does work out and he actually manages on the new arrangement (which is highly doubtful) then he's learnt how to budget - win, win!

moochew · 14/02/2020 08:39

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

He is not entitled to more - if he wants spending money he needs to get a bloody job! We give our kids a basic living allowance, if they want more than this they need to get a job! The money we earn is ours, the house is ours, the bank account is ours! I have heard this attitude before from greedy lazy teens expecting their parents to pay for everything - at 16 years old he should have a part time job. I would not be giving him more money - I'd be giving him less and making him do more - and you need to have his mother on board with this as he seems to be taking a divide and conquer strategy - it's working for him too!

moochew · 14/02/2020 08:46

I think he may turn out to be a very bad flatmate who blows his monthly income in 5 days and then thinks the food in the fridge and the cupboards are there for him even though he hasn't paid for them, he never cleans up and stays up all night listening to loud music. There's nothing in the OP that says this is a kid who is going to learn anything from this experiment that he won't forget very quickly and conveniently and he's been given a large amount of money to squander - I doubt you'll leave him to starve or plead for a food bank donation.

BeaLola · 14/02/2020 08:49

I agree with other posters about Dads contribution and that you should charge him reality of bill costs.

I also wouldn't start the experiment at half term . I would start when back at college - the first few days may be ok but by then end of the week I expect he will be fed up of sitting out cooking his food and running out of clothes as he hang sorted washing etc.

getyourarseoffthequattro · 14/02/2020 08:53

This whole thing is rather pathetic of you and pretty fuckd up. I highly doubt you spend the 380 on your dss. Good luck to him I say. He’s better off without you*

yes because houses and bills are entirely free arent they? buses to college too, and food. All free. Pocket money? grows on bloody trees doesnt it.

Are you a spoilt 16 yo too by any chance?

Aposterhasnoname · 14/02/2020 08:54

DD did similar, she was outraged when I told her if she quit college she would have to pay £30 a week board. After all, she could rent a flat ANYWHERE for £25 a week, and bills would be £5, so what exactly would I be contributing.

I cheerfully dropped her off at the estate agents to look for said flat. She slunk back about an hour later and never mentioned it again Grin

wizzywig · 14/02/2020 08:56

Keep us updated op, hope it goes well for you all

elliejjtiny · 14/02/2020 08:58

Great idea, let us know how he gets on. I bet he will change his mind after a couple of days.

trianglular · 14/02/2020 09:00

I think it's quite bizarre tbh. Almost a 'competition' between you which is almost removing your authority. There is no way I would have gone to such extremes when simply telling him 'that's life, now make sure your room is tidy' would have sufficed.

AnotherTroyforHertoBurn · 14/02/2020 09:09

My 18 year old moved out for two weeks to house mind, couldn't wait, came home for dinner on the second Wednesday and wolfed his dinner down, I said are you hungry , he said a bit but this is delicious, I said it is only shepherds pie, he said no anything you don't have to cook yourself is delicious. Grin

He then wanted to go and rent somewhere, looked at the prices and has been a model house dweller ever since.

ludothedog · 14/02/2020 09:10

I really dislike the sneering posts and that desire almost for him to fail. If you are going to help him and support him, then fine. He will find it difficult and will make mistakes - will you help him or just laugh and said I told you so? My parents were like that and I hated them for it. Sneering, unpleasant know it alls.

He is young and of course he is nieve, but as a parent it's your job to help him to learn to be an independent adult. He can learn about money management in a positive way with your support and with kindness.

One of the most profound things I read on here was from a teacher who wrote that she was able to recognise children who were treated with kindness at home from the way they interact with other children. You can teach and impose rules and boundaries in a kind way rather than an authoritarian, sneering manner, almost willing him to fail.

getyourarseoffthequattro · 14/02/2020 09:13

You can teach and impose rules and boundaries in a kind way rather than an authoritarian, sneering manner, almost willing him to fail

i dont see it like this at all, and seemingly the only know it all in this situation is the 16yo.

Sometimes you need to learn first hand how hard things are. Parents telling you things doesnt even compare to actually living in the real world. Op clearly is supporting him.

You're making out like they've packed him a bag and told him to go it alone.

Biker47 · 14/02/2020 09:22

I wouldn't give him the money weekly as alot of people are saying, if he blows it all in 2 days, or 4 days, or a week, then that's on him, and the experiment ends, and he goes back to being the obvious child he is. Coddling him, by dishing it out in portions so you can manage him by default is probably counter productive, I've never been anything other than monthly paid, and had to manage it from day one.

doritosdip · 14/02/2020 09:24

I did a simpler version if this when my ds was a similar age. He got money for food and toiletries. The biggest shock for him was the hassle of choosing and buying food. He obviously didn't have enough for constant takeaways but as a teen boy needs fuel. It taught him why you need to close the bread packet properly Grin

He's at uni now with a part-time job and gas lots of money for fun. He is grateful when he gets back for free laundry etc He understands the hassle of making sure you have loo roll and so on

To make it realistic you need to tell your dss that he's responsible for his laundry (including buying laundry tabs!) and you need to charge him a more realistic figure than £50 for bills.

mantarays · 14/02/2020 09:43

I’m not willing him to fail, nor am I “authoritarian”. The reality is that it isn’t his money, he lives with his parents and they are responsible for him. If he can earn money for himself then lovely, he can become financially independent. This solution is artificial independence as a result of his rudeness. I wouldn’t be doing it, personally.

OscarWildesCat · 14/02/2020 09:49

Nice idea but I think hes getting it easy really with only £50 towards Bill's, especially if you're paying his tv subscriptions etc, it's not going to give him a true realistic idea of how to budget I dont think. We did something similar with my DS, 13, in that he was constantly asking for money for macdonalds, a drink when out, clothes as well as us topping up
his school lunch card so we agreed £60 per month to cover everything and it's worked really well. Interested to know how it goes OP.

Basecamp65 · 14/02/2020 09:54

I actually think this is what people should do when their children reach this age - I did it with mine.

It enables them to learn about money/budgeting before they leave home and mistakes will not be disastrous. But it also gives a very clear indication that you as parents are recognising they are growing up and are giving them more responsibility.

I actually thought this type of approach was far more common than it apparently is.

Giroscoper · 14/02/2020 09:56

@Yeahnah2020 I think it would depend on how much money you have as a family. Maybe they just have more disposable money than you.

Apparently the national average for a family weekly food shop is £60.60. Maybe this "average family" have toddlers, or a 7 year old and a 5 year old.

My shopping bill for 2 adults and 2 teenage boys aged 17 and 14 is £140pwk. But if we were on a lower income we would probably not spend as much. I have been there. I have been a very poor student at 18 at uni, then jobs got better and the pay got better, plus I met Dh so we pooled our money.

It is easy for teens especially to add up, clothing is all adult sizing with VAT on it. Ds2 got a new pair of school shoes this week. They are a size 8 1/2 and cost me £59 from Clarks because his feet are H+ fitting. And trust me I have shopped everywhere for shoes over the years. A school jumper costs £15 not the £3 I used to pay when he was in primary school.

Travel to and from sixth form costs money as they aren't necessarily on your doorstep like a primary school. They eat adult sized portions of food. Teens cost.

Giroscoper · 14/02/2020 09:58

@SunshineAngel don't forget Netflix/Amazon prime isn't free for him Grin