Meet the Other Phone. Only the apps you allow.

Meet the Other Phone.
Only the apps you allow.

Buy now

Please or to access all these features

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:
AmazingGreats · 14/02/2020 13:09

Taking inflation into consideration that should say

Nowayorhighway · 14/02/2020 13:11

Great idea. I know this isn’t the norm but I actually left home at 16, so this was a reality for me and I’m glad to say I survived!

MRex · 14/02/2020 13:13

I don't see the point in the £50 for bills. What you ought to do is write down every single bill. Put them in columns; individuals (phone / transport / optician etc) and shared. Then add the discretionary extras for food, dentist, holidays, clothes etc. Take him through the list so he can understand what the costs come to. You can then say what his "share" would be of the electricity, council tax etc in a flatshare situation, plus rent. It's all very well you all chuckling that he doesn't understand the costs, but you haven't taught him so of course he doesn't, how would he? You can still play your game with him living on £330, but you would have also given him adult explanations.

Onaslipperyslope · 14/02/2020 13:14

I think it's, a great idea, although in a month he probably won't need to replenish toiletries etc. You are letting him off lightly with 50 as that probably doesn't even scratch the surface. I wish I could try similar with my rude, non contributing DPs daughter.

ChickLitLover · 14/02/2020 13:20

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.

But as parents you should have said it’s not happening. The money you have is money for the family, not his. Explain that everyone gets what they need then you all get some nice things too. In a family house, food budget, washing, etc is shared not split up. I just can’t see what anyone is going to get out of it, it will just cause a divide. If it works out for him, he’ll think he knows better than you. If it doesn’t work out for him, he’ll feel humiliated and like he’s lost which most teenagers don’t deal with well. It’s definitely not a ‘win win’.

GetUpAgain · 14/02/2020 13:20

I think it's a horrible idea. Yes do this as a spreadsheet exercise but I've seen many adults whose parents basically said 'right, done this parenting thing' and switched off when their kids were teens, its emotional and complicated.

Loving and caring for someone is hard when they are a difficult teen - but that's when it matters most. Show him how to be the mature, stable, steady adult you want him to become, by modeling that. Not by responding to his whingeing by saying 'fine do it yourself then'.

ivykaty44 · 14/02/2020 13:28

. its a contribution to the cost of bringing him up because he is a child*

A 16 year old has left childhood a few years ago, they are a maturing teen

sendhelpppppp · 14/02/2020 13:33

a 16yo is legally a child.

sendhelpppppp · 14/02/2020 13:35

clues in the name of child maintenance and child benefit - if he is in fact not a child, he wont need these will he?

savethestars · 14/02/2020 13:36

I did this but it backfired massively on my parents.

DesperateElf · 14/02/2020 13:37

Like some other posters have already said I don't see it as a win-win. Quite a divisive arrangement and not a loving one.

ivykaty44 · 14/02/2020 13:45

sendhelpppppp So he can join the army and shoot people, die for his country but is a legally a child at 16...really

DesperateElf · 14/02/2020 13:46

My 15y old son has £60 per month to spend on weekend trips to town. It's enough to cover the essentials and a little more (i.e. travel and occasional trip to the cinema etc) but he has to be careful with his money so he has already dropped more expensive things like treats in costa coffee on his own accord. I wouldn't all of a sudden increase this to £300 without some detailed budgeting although we do spend far more than that on his hobbies alone. Food and clothes are particularly tricky as it's much easier to do this as a family rather than separate. So intentions are good but just make sure you stay involved and guide this in the right direction - from your posts it seems like you want to do the opposite i.e. step away and watch him fail. Don't do it. Praise him for good decisions and help him to grow into a responsible adult.

FlossieTeacakesFurCoat18 · 14/02/2020 13:51

This sounds like the plot of a Sweet Valley High book 🤣

I am intrigued by this as but I hate the gleeful willing him to fail from some posters (and I kind of want to hear more from @savethestars too 😀)

It's nuts that you're making his sandwiches for college though! That needs to stop, either way 😮

Blackbirdblue30 · 14/02/2020 13:57

It might be handy getting him a Revolut card. It tracks spending so he can see what he’s doing and what needs reeled in or is wasteful. It also saves spare change and it’s great how that adds up. The idea that you prioritise and budget for what you need for eg a week like food and transport and that treats are extras is I think good to learn early.

AriadnesFilament · 14/02/2020 13:59

he might get away with taking some snacks but I can't think of any way around that, really.

get him a nice a big box from the supermarket. Write his name on it. That’s where his food goes. Anything in the cupboards you label with your names and you count all the snacks. If he helps himself to stuff in the cupboard and not out of his box you go and ask for payment. 😈

sendhelpppppp · 14/02/2020 14:06

ivy i dont make the rules!

ChickLitLover · 14/02/2020 14:06

get him a nice a big box from the supermarket. Write his name on it. That’s where his food goes. Anything in the cupboards you label with your names and you count all the snacks. If he helps himself to stuff in the cupboard and not out of his box you go and ask for payment.

This just sums up how ridiculous this whole thing is.

Supersimkin2 · 14/02/2020 14:11

What if it works?

£95 a week is not bad.

The dole's £54.

Comefromaway · 14/02/2020 14:13

Definately do it!

If you want some comparison figures my dd is a good example.

Aged 16 she went away to a specialist dance college. Her rent is £120 per week (her rate has stayed the same her new housemates pay £130 now), which includes bills, breakfast, evening meals, washing, ironing and basic toiletries (soap, toothpaste, toilet roll), fancy shower gels she has to buy herself.

She has to pick up after herself and keep her room clean and tidy. The landlady has warned her about the state of her room on a few occasions.

She gets £35 per week (from us) to pay for lunches (she makes her own packed lunches from food she buys), books, toiletries, travel, socialising and clothes. (we provided her basic uniform requirements at the start of her course).

Next year she will be paying £105 per week self catering which includes bills but no washing/ironing etc and her weekly allowance will be increased to £65 per week.

Comefromaway · 14/02/2020 14:15

She will have to provide all food out of that £65.

5LeafClover · 14/02/2020 14:29

I think it could easily backfire into him living off pot noodles and without respect in your home.

There is a cost for his board, lodginyg and upkeep including the car that gives him lifts (I assume) holidays, insurance etc etc by setting that at 50 you are accepting a hidden cost. It would be better to say Xx is what we estimate ( based on last year or local room rent for example) so our contribution to you is Xx- 50 and that is based on you keeping to house rules.

Barneythedinosaur · 14/02/2020 14:35

I think it's a really good idea.

However, I would probably give him £680 - child benefit, plus assuming what his mum gives is half of what he needs his dad to give the same.
Then calculate a third of mortgage, council tax, water, gas, electric, tv, internet, etc and take that immediately back.
Then obviously he has his bills for phone, ps4, wow, bus etc. I would be inclined to make him pay those up front too.

Then start from that position, with no food (except things like herbs and general cupboard bits that are used in small amounts) or toiletries etc. So he would need to use his money for food, shampoo, soap, toilet roll, deodorant, aftershave etc. Plus any spare (if there is any) for fun stuff.

Oh and do his own washing like you said. A big part of being an adult is managing the workload in terms of housework not just money after all.

ChuckleBuckles · 14/02/2020 14:47

I remember you OP, this is the spoilt kid that deliberately misses the bus to college and then you have to drive him making you late for work right? Also the one that the GP's tried to take to New York for Christmas but wanted you to pay out of your inheritance money. I would be saying goodbye to the lot of them and leaving DP and his family to their nonsense dealing with this kid. It gets more ridiculous with every post.

BreconBeBuggered · 14/02/2020 15:05

It's an interesting experiment. But I can't imagine taking teenage whining about being done out pf personal entitlements at all seriously. I wouldn't be handing over £20 a week, never mind the entirety of his mum's maintenance payment. He sounds like exactly the wrong kind of kid to be ready to learn how to fend for himself.

Swipe left for the next trending thread