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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:
Basecamp65 · 14/02/2020 09:58

By the way both of my children left home at 18 - one to university and one to live with her boyfriend - both are now in their mid 30's.

Neither have ever had any financial issues, neither have ever had any credit except a mortgage and a car loan. Neither have ever asked to borrow money from me.

It worked.

Sackofspuds · 14/02/2020 10:05

Fabulous. I'm currently on strike as a mum to my 17 and 18 yr olds.

LannieDuck · 14/02/2020 11:56

This is interesting, and I'm curious to hear how it turns out.

I'm at the start of this journey with two young kids, and am just starting to think how to teach them the value of money (pocket money etc), so looking forward to your updates!

SluggishSnail · 14/02/2020 12:03

Fab idea. I would insist that it's for a minimum of 3 months, if he does it.

blackcat86 · 14/02/2020 12:07

I'm sure there was a TV show with a similar idea (I think C4) where parents of teens who were just so excessive with their spending were given a set amount per month and from that they had to fund clothing, transport, hobbies, socialising, toiletries etc. Basically anything except accommodation, utilities and loo roll. They were also asked to donate 10% to charity or similar and save a certain percentage to. I think it was eye opening for the teens because they had to budget and say no to themselves rather than moaning to their parents.

SDTGisAnEvilWolefGenius · 14/02/2020 12:10

I think this is an excellent lesson, and a good way to teach it.

How are things going so far, @SunshineAngel?

Ohnoherewego62 · 14/02/2020 12:14

Think this is fantastic!

You will obviously have to return with witty updates!

SunshineAngel · 14/02/2020 12:15

Hey everyone :)

Wow, I wasn't expecting so many people to be interested! We are definitely giving this a go.

For those who have asked ..

  • Yes, we are going to be strict about it. If he runs out and starts needing handouts he can have them as a loan for the first month, but after that things just go back to the way they were, with us controlling the money.
  • We are charging £50pm for bills - but this isn't really going to cover his share. We have worked out how much he has to pay out, and want him to have a good shot at it, even if it will be harder when he's actually living on his own for real.
  • For the posters who said he should get more money, as we weren't giving him any. What? He gets £80 a month (which could be argued is just his child benefit, but it's cash in his hand) and everything paid for him, PLUS extra cash for trips out, meals, we go on holiday etc. Trust me, he gets plenty, and we definitely spend more than just his mum's money and the child benefit!

This starts on Monday, but he will only be given half as we're half way through the month. It's also half term, so it will be an absolutely massive test for his first week.

I'll keep you all posted if you're interested :)

OP posts:
inwood · 14/02/2020 12:17

I think it's a brilliant idea. Look forward to seeing how it goes. Please update!

SunshineAngel · 14/02/2020 12:20

Oh and we're not going to lock the fridge haha, but we're always in for mealtimes together so I'm sure we'll see what he's taking .. he might get away with taking some snacks but I can't think of any way around that, really.

It doesn't have to be 100% perfect, I just know for a fact that his outgoings are more than the money we get for him - hence the accusations of 1) you're spending my money on you and 2) you never give me any money, only my mum and family allowance do .. are completely and utterly false.

He will soon come to realise exactly how much things cost, how spoilt he is, and why we never have any money!! Haha.

At the moment, despite the hurt when he accuses us like this, we are approaching it lightly and with humour. If I'm being honest, I'm more looking forward to the day he completely runs out of clothes because he hasn't washed any, and won't listen when I show him how.

Oh, and he doesn't have Netflix or Prime as he has a Firestick in his room with everything on (other, free apps I mean). Which, obviously, we paid for .. as a one off treat as he was complaining he was bored watching what we liked to watch, and we refused to watch the things he likes on YouTube as they're completely non sensical haha.

OP posts:
SunshineAngel · 14/02/2020 12:22

And as much as all of this is amusing, it is difficult sometimes, as a stepmother, to hear him say we're spending all of "his" money .. as I can just imagine him saying it to his mum, his grandparents etc .. I don't want a wicked stepmother label! :D

OP posts:
PuppyL0ve683 · 14/02/2020 12:32

I think that the child needs to be given some perspective of living costs

Approx
State pension £8770 or £168 a week

Adult job seekers/unemployed £3811 or £73 a week

Housing costs may be paid on top of this, but not utility bills, food, transport, luxuries

The important point to mention to the child. Is that the child benefit & maintenance will stop at X point. What will their plan be ?

The wider perspective is relative, to the purpose/education of the child

TeacupDrama · 14/02/2020 12:34

he is still getting a good deal as he is not paying any rent at all just a small contribution to bills
I guess he is not going to have to buy his own bedlinen or saucepans cutlery a lot of the basics he already has
he has clothes so he doesn't need to buy new ones etc etc
even in a house share he would be expected to do a share of cleaning communal areas like lounge bathroom kitchen and hallway putting bins out without any reduction in rent

DesperateElf · 14/02/2020 12:37

This experiment shouldn't be about proving your DSS wrong, it should be about helping him to manage his money.

SunshineAngel · 14/02/2020 12:38

@PuppyL0ve683 Yes, we've explained that to him, that as soon as he is an adult, he will be expected to fend for himself (not that we'll be throwing him out, but you know what I mean) and either get a job, go to uni, or sign on while looking for work. I said this moment now is where you will probably have the most "spare" money of your life, even though he thinks our wages are absolutely loads.

@TeacupDrama Oh yes, he's getting a very good deal, and we have explained this to him. But even so, I have worked out that he will struggle with what he does need to pay for, and won't really have anything left for treats - and that's all we wanted to illustrate to him. We're not being mean about it, just getting a point across.

OP posts:
BrokenWing · 14/02/2020 12:38

He will soon come to realise exactly how much things cost, how spoilt he is, and why we never have any money!! Haha.

Going against the grain here, you clearly know he cant do this, as there simply isn't enough money, so you are just setting him up to fail and humiliate him into realising how much life costs.

as pp say, much easier to just show him on a spreadsheet how much things cost/bills add up.

SunshineAngel · 14/02/2020 12:38

@DesperateElf It is about proving that we aren't trying to scam him out of what's his! I think we're allowed to defend ourselves. Of course, it will be an excellent lesson in money management, so win win.

OP posts:
sendhelpppppp · 14/02/2020 12:38

it should be about helping him to manage his money

thats the point though isnt it, that it isnt his money... its a contribution to the cost of bringing him up because he is a child

he thinks it should be his money to do with what he likes - in reality its not.

SunshineAngel · 14/02/2020 12:41

@BrokenWing No plans to humiliate. If you've read the OP you'll know it wasn't his suggestion - this is something he's asked to do himself. We don't want to make him feel silly (it's not his nature anyway, it won't bother him), just to understand things a little better.

We could create a spreadsheet, but as I said, he has specifically asked for this, it's not an idea we've plucked out of the air. He wants it for good because he feels we're being unfair with "his" money. If it works for good then fine .. I'm just fairly sure it won't, or at least not without him making sacrifices (which is another lesson to learn in prep for adulthood!)

OP posts:
SunshineAngel · 14/02/2020 12:41

Sorry, it WAS his suggestion.

OP posts:
scubaprincess · 14/02/2020 12:47

I think this is a great idea. At a similar age my DM did a similar thing for me and increased my pocket money to cover my clothes, outings and general stuff. They kept paying bills etc. It was great as I gained independence at a crucial age and I learnt pretty quick the value of money and in particular how to save and budget. I have never been in major debt (yes I do occasionally touch my credit card and overdraft but nothing unmanageable) and have learnt to 'cut my cloth'. I'm planning on doing the same to my kids when they get older. Let us know how he gets on!

WiddlinDiddlin · 14/02/2020 12:53

I think its great.

I would do a written costing of income, and what you pay out, so he can see that whilst he is contributing £50 a month to the household, his ACTUAL costs, that you would not have if he did not live there, are significantly more than that.

I would also do a stock take of every consumable you have in the house and make a note of anything he nicks, and reveal this to him at the end, not in a humiliating way but a 'ah but... you had xyz which you wouldn't have had out in the real world'.

Sometimes experiments like this are the only way to REALLY learn.

I would insist though that he does it for the full month, that he can't just bail out on day 3 when all the money is gone, but he CAN end it at the month end.

PuppyL0ve683 · 14/02/2020 12:57

35 years of National Insurance contributions to get a full state pension

PleaseStopCallingMe · 14/02/2020 12:59

If you do this, you need to do it properly.

Produce a contract clearly outlining what is expected of him re: cooking, cleaning etc

This could easily descend to him just living in your house rent free and rule free without doing anything but the absolutely bare minimum for himself (what teenage boy gives a damn if his clothes are ironed?!)

What are going to be the consequences of not clearing up after himself? Or for taking someone else's food? Or for not contributing to cleaning the communal areas?
What if he keeps his room is such a poor state it causes damage?

I can see him paying his travel, phone and eating pretty well out of £380 a month (especially if he sponges off some mates)... but he'll be getting an easy ride re:cleaning etc at home

AmazingGreats · 14/02/2020 13:08

That's a lot more money than I had for food and activities living away from home at that age (taking into consideration it's still a fair amount more) and I managed (somehow!) so he might well surprise you. Or he'll have a particularly good half term on £380 and come grovelling when term starts back. What will you do if so? Make him starve and walk?

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