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AIBU?

Share your dilemmas and get honest opinions from other Mumsnetters.

Adult children and paying keep

398 replies

123dontcomeatme · 22/08/2025 22:20

Am home from an evening out and feel a bit disgruntled.
Dd is coming up to 20 and has just secured herself an apprenticeship starting on the same wage I am on..she has worked so hard for it and it's a fantastic wage.

Dd will be paying half of all living costs. Im on my own, was on universal credit. I can't afford to pay for her and honestly I think if shes earning the same as me, I shouldn't have to. I would like to build some savings for myself after being financially screwed for the last 19 years.

Fried thinks im being terrible and dd should not contribute so she can save for a house deposit as that would be the best thing I could do for her.

Quite how I would manage or how I would afford anything myself is apparently not of consequence.

Im sure she didn't mean it but honestly, is this really unfair of me? Am i being harsh?

OP posts:
Ohnobackagain · 23/08/2025 10:58

@123dontcomeatme perfectly normal to pay your parents something once you start earning. Even when I was only earning £50 a week take home I gave Mum a tenner. That in itself was a rite of passage. Inconceivable to me not to pay something.

Woolwichchicken · 23/08/2025 10:59

Holidaytimeyay · 23/08/2025 10:55

I actually blame the government for this. They introduced TC, UC etc which means once children turn 18, parents are left with a great loss financially. Employers should be paying their staff enough money to live, if you are working F/T you shouldn’t need government subsidy. Just my opinion.

I do sympathise op but I do also think you need to consider how you are going to manage when DC moves out. Young people change their minds easily and she may get into the work place and see others like her renting and enjoying their independence or she may meet someone and decide to move out.
I am also a single parent with 4 DC, 1 still in education and one about to go to uni so I will have to try and support them at uni on my min wage if needed. Your DC could also have made that choice, how had you prepared for that? I know how hard it is but I think that most people don’t charge their adult DC half of all household expenses when they are starting out as they want them to be able to save for their future independence. You are seeing you DC’s new income as a way of you saving money and I think that’s probably where many have an issue. I do appreciate your struggle though as a lone parent (due to being widowed), I know that it’s not easy.

Edited

I fully agree, the government shouldn’t be subsidising salaries, so that employers can pay less.

Inertia · 23/08/2025 11:02

I can understand your frustration. Many people on here, and your RL friend, are talking from a position of privilege. Our DC are students and we’re in the fortunate position of not needing to take housekeeping from their holiday jobs, but in your shoes I’d be doing exactly the same as you. It’s easy to be self-righteous about not taking money from your children when you’re comfortably off.

You’ve fought for and supported your child for 20 years. You took her away from an abusive household, and the benefit to her of growing up in a peaceful home is immeasurable. Your life should not be an endless penance for having had a violent husband who didn’t support his child. You’ve brought up a strong, independent woman and should be proud of you both.

Both of you are happy with the arrangements you have, and that’s all that matters.

I really do feel for those posters whose parents took advantage as soon as they were old enough to work, but this situation isn’t the same.

123dontcomeatme · 23/08/2025 11:03

Im sorry to hear you are widowed. Can I ask if you own your home and if the mortgage is low?. Or if there are things like life insurance at play.
Because these are all important factors. On min wage, you would not be paying all costs and supporting a child at uni.

Im seeing dds adult job and withdrawal of govt support as that she is an adult and should support herself.

I would love to support dd but that's not the situation I am in.

OP posts:
lazyarse123 · 23/08/2025 11:16

Fml when did it become compulsory to pull apart an ops thread and vilify everything she says?
It does not matter what the exact figures are if op and her dd have worked them out between them.
Op you have done a wonderful job of raising an intelligent, hard working thoughtful and kind young woman. Unlike some of the arseholes on here who's offspring will likely be entitled, arrogant arses like them.

Blondeshavemorefun · 23/08/2025 11:17

@123dontcomeatme it’s totally fair to charge dd

she is on an amazing wage for her age /apprentice. Those jobs go for £14/15k near me

you will lose a fair chunk and can’t afford the house without her

she won’t be able to live elsewhere for the same cost she pays you

if you and dd are happy with the arrangement then no one else matters

Nina1013 · 23/08/2025 11:25

123dontcomeatme · 23/08/2025 02:13

How am I living beyond my means?

I can only assume these are troll posts.

I have had govt support to provide for my dd. Now shes a full time working adult the support is gone. As an adult shes expected to pay her way, which shes capable of doing.

I can downsize but that won't include any space for dd so she would end up worse off.

Honestly this is madness.

I am totally mind blown by your attitude.

You did not solely provide for your daughter. The government did.

A child doesn’t cost £600 per month to raise. They just don’t. Especially not in senior school when no wraparound care is needed (although you get more benefits to pay a chunk of childcare costs anyway). Barely any (any?) of your own, earned money was providing for your child, yet you talk about her like she’s a huge inconvenience and your posts read as though you are both angry with and jealous of her.

I understand the idea of wanting her to pay her way, I really do. But the rants about how you single handedly did X, Y, Z and the venom behind your posts…take a look at yourself. It may have been single handed in terms of parenting, but it wasn’t financially.

sadtimeshardtimes · 23/08/2025 11:29

Good grief. People have been mean on here.
Take no notice OP you’ve done amazingly and shouldn’t be made to feel guilty

yesIknowbut · 23/08/2025 11:34

@Nina1013 did you miss the bit about OP left an abusive marriage.
You clearly have (fortunately for you) no idea what impact that has on you as a parent.
OP, you've done amazingly, raised a wonderful women, your friend sounds like an arsehole tbh and I'd be reflecting on whether to let the friendship go, as she also has no idea of the achievement that is you and your DD's life.
Hugs and love to you both 💗

roycroppersshopper · 23/08/2025 11:38

Wishitsnows · 22/08/2025 22:40

What would happen if your dd decides to move out and rent a room elsewhere?

She can use her DD's room for a lodger.

123dontcomeatme · 23/08/2025 11:44

Nina1013 · 23/08/2025 11:25

I am totally mind blown by your attitude.

You did not solely provide for your daughter. The government did.

A child doesn’t cost £600 per month to raise. They just don’t. Especially not in senior school when no wraparound care is needed (although you get more benefits to pay a chunk of childcare costs anyway). Barely any (any?) of your own, earned money was providing for your child, yet you talk about her like she’s a huge inconvenience and your posts read as though you are both angry with and jealous of her.

I understand the idea of wanting her to pay her way, I really do. But the rants about how you single handedly did X, Y, Z and the venom behind your posts…take a look at yourself. It may have been single handed in terms of parenting, but it wasn’t financially.

Nice bit of benefit bashing. Thanks

You do realise that children need a roof over their head, heat, hot water. Its not just cup a soups.🤔
Uc is means tested for a min standard set by the government.

If you have a problem with that and think children should be kept in deeper poverty and all that brings, write to your mp about it, dont go on at me.

OP posts:
123dontcomeatme · 23/08/2025 11:46

And I've never had 600 in benefits.

Certainly I earn more than 600 a month and I can guarantee almost all of my wages has gone on dd.

OP posts:
123dontcomeatme · 23/08/2025 11:50

I also dont know where anyone would get im angry or jealous of dd.

Proud as punch, yes..
Still taking time off work to do silly things with her as it's the school hols, even though she's nearly 20, yes.
Spending all day tomorrow with her helping her with life admin, catching up on gossip and brunch.yes. christ I am vile. 🤔

OP posts:
Nina1013 · 23/08/2025 11:53

123dontcomeatme · 23/08/2025 11:44

Nice bit of benefit bashing. Thanks

You do realise that children need a roof over their head, heat, hot water. Its not just cup a soups.🤔
Uc is means tested for a min standard set by the government.

If you have a problem with that and think children should be kept in deeper poverty and all that brings, write to your mp about it, dont go on at me.

Of course they do, but so does the adult. The home benefits both.

I am all for the benefit system. What I’m not supportive of is people pretending they’ve had no help, when they have.

You say you need her to essentially plug the gap between what you’ve lost and what you now have, and in another post refer to losing £500-600 a month.

She is happy with what she’s paying, so I don’t even understand why you posted. It’s between you and her. My issue isn’t with you being supported by benefits to raise her (as above, I’m fully supportive of that), my issue is the ranty, angry way you talk about having raised her.

I was dealt a really awful hand with my eldest (never mentioned on here before), and was a single parent escaping abuse. There were other issues too. I’ve still never spoken about raising him in the way you’ve spoken about raising her. You sound so angry with her and with the last 19 years and I truly hope she never picks up on that.

123dontcomeatme · 23/08/2025 11:59

I've said universal credit, child benefits and her fathers maintance. Or should he not pay?

I don't sound angry at her at all. Im angry at my friend and im angry at the ridiculous and mean posts. And im angry at her father for not contributing more, but, patriarchy. Blame me.

OP posts:
Ilovemychocolate · 23/08/2025 12:00

Nina1013 · 23/08/2025 11:25

I am totally mind blown by your attitude.

You did not solely provide for your daughter. The government did.

A child doesn’t cost £600 per month to raise. They just don’t. Especially not in senior school when no wraparound care is needed (although you get more benefits to pay a chunk of childcare costs anyway). Barely any (any?) of your own, earned money was providing for your child, yet you talk about her like she’s a huge inconvenience and your posts read as though you are both angry with and jealous of her.

I understand the idea of wanting her to pay her way, I really do. But the rants about how you single handedly did X, Y, Z and the venom behind your posts…take a look at yourself. It may have been single handed in terms of parenting, but it wasn’t financially.

Crikey why are you so vicious?
OP is trying to defend herself against people like…well YOU to be honest.
Must feel fantastic to be sat there on your mighty perch, condescending to people who are just trying their best

RubySquid · 23/08/2025 12:29

FairKoala · 23/08/2025 09:16

Most of the utilities wont halve if dd isn’t there

If dm expects half then dd will look around for somewhere cheaper then dm will be left with £0

Hmm my utilities are less than half than when DS was back from uni for holidays

It seems it's still cheaper for the DD than a room in a shared house

JacknDiane · 23/08/2025 12:48

@123dontcomeatme , you said you dd has 1.2k left after paying her 50% share and you said you were paid the same, so do you have 1.2k left after paying your 50% share?

123dontcomeatme · 23/08/2025 12:52

No. Ill have things like car insurance/ tax/ phone/ house insurance/ pet insurance/ tv licence and a 100 other things that also have to be paid for.

OP posts:
BooneyBeautiful · 23/08/2025 12:52

123dontcomeatme · 22/08/2025 23:58

Yes.
Which is what half costs are.

Otherwise id be not be living here..

I don't think i sound bitter, I think it sound like someone who's been a single parent for nearly all dds life snd has weathered all the difficulties that brings. Not dds fault but not mine either.

We tell women to leave abusive relationships, but then berate them that they haven't done well enough. Its really very very unfair.

I am certainly not berating you at all. I got out of an abusive marriage 26 years ago, so I know all the difficulties that entails.

My point was that if your DD was to move out, your bills wouldn't drop by half; they would only drop proportionately. For example, when my DC moved out, the gas bill didn't change at all because I still had the heating on. My electricity bill dropped a bit because DS wasn't here with his computer on all day and he wasn't taking long showers (I have an electric shower). My water bill didn't drop significantly, and obviously my broadband cost was the same. As a result of only charging DC roughly what it cost to keep them, I didn't notice it financially when they moved out.

If you charge DD half of all the bills, yes you will be able to save, but at the same time, you will really notice it when she moves out and is no longer contributing.

Missmarplesknittingbuddy · 23/08/2025 13:05

FairKoala · 23/08/2025 10:21

But why would you opt out of free money? I only work through an agency and my pension contributions are doubled by my employers and I believe the NHS contributes more.
It doesn’t make sense as you have been paying tax and NI contributes on every £1 you have taken instead of putting it in a pension.

If anything wouldn’t you be worse off if after paying the tax and NI you had 55p for every £1 deducted through UC

People generally only opt out of free money if they cannot afford to pay their contribution. Do you really not realise this ? .

123dontcomeatme · 23/08/2025 13:25

I wouldn't be living in this house if dd wasn't here. Or i would take a lodger.

I could not heat her 2 rooms. Im gas showers, so that would be a saving. Half the laundry would be loads. Id cancel subscriptions, id eat differently, shes a protein queen with dietary restrictions . There is so much I'd cut back on its just silly to pretend otherwise.

OP posts:
sunshine244 · 23/08/2025 13:31

Missmarplesknittingbuddy · 23/08/2025 13:05

People generally only opt out of free money if they cannot afford to pay their contribution. Do you really not realise this ? .

Actually when I used to work in civil service there were lots of people who opted out for all sorts of reasons. Commonly because they prefered to spend money on other things, didn't understand the important of pensions, or thought saving for old age was a waste.

Dweetfidilove · 23/08/2025 13:43

OnePinkDeer · 23/08/2025 08:26

That's what happened to me, and she's also convinced herself that her daughter is on the cusp of an amazing career where she's going to earn loads

She's starting an apprenticeship - it's not as if she's got a training contract at a top law firm where she's going to be earning six figures

she's not even started yet, and she has no idea how she's going to go.

She absolutely is seeing it as an income stream for herself. Because she says

I would like to build some savings for myself after being financially screwed for the last 19 years.

She won't post how much she's planning to take or what her daughter's income is.

By way, of example, my mum's local authority house had a rent of a thousand pounds a month. Mum took £750 a month off me and still she complained it wasn't enough though I was also buying all my food and hers a lot of the time. I bought her lunches and took her out every weekend.I took her out for birthdays, and I had to take her out and pay for it on my birthday too.

It caused nothing but arguments because when she started on me about money, I reminded her that if I m meant to be paying half the rent and half the bills, well, a half the rent was £500 & as im giving her £750 , that means i'm paying £250 a month for bills & the utility bills were not £500 pounds a month. She told me to shut up and don't be ridiculous when I raised this with her but wouldn't show me statements for how much the bills were.

So stuff it I left and moved to a cheaper area, and split run and bills.Three ways with women, my own age and I could actually have boyfriends and friends back. As it was in mum's house, she controlled, who came in.If she wanted her friends or her older daughter and grandchildren in, I had to host them and pay for it as well. I got told I could get out of her house if I thought I was going to use it as an entertainments centre. My name wasn't on the lease or the rental agreement.And I had zero rights.

Don't get me started on my older sister, whom my mother never, ever charged that much money when she lived at home. Mum took a token amount off her favourite and then decided that I should pay half well more than half.

Think it's quite distasteful, how it's been decided that this young lady is going to have an amazing lucrative career when she hasn't even started. No one knows what's going to happen.I wish her the best of luck, but you just don't know what's going to happen. It does sound as if the mum is jealous as my mom was of me for daring to make some decent money, I would have thought she'd wanted that for me

Is quite distasteful, how they think there should be a reward for what they Ve done. You didn't do anything exceptional you brought your child up. He did what was expected of you and what is expected of any parent. Parenting comes with sacrifice. Sorry you didn't like that and now want to return on what you paid for.

Edited

I'm sorry tou had such an awful relationship with your mother, but you're projecting and awful lot onto the OP ☹️.

And yes, the OP did something exceptional. She removed her from an abusive household (something many never find the strength to do). She stayed grounded and focused, giving her daughter a comfortable upbringing, built a close relationship with her and helped her into becoming a successful young woman. Again, many single-parents struggle with providinv a happy and stable home environment. This is despite the stresses of being solely responsible for her upbringing and contrary to the stereotypical outcomes of children raised in single-parent households. The OP and her daughter sound absolutely awesome!

Think what you want about what the OP charges her daughter, but there's no denying she's done an exceptional job, which by the sounds of it is much better than your own mother managed.

123dontcomeatme · 23/08/2025 13:44

sunshine244 · 23/08/2025 13:31

Actually when I used to work in civil service there were lots of people who opted out for all sorts of reasons. Commonly because they prefered to spend money on other things, didn't understand the important of pensions, or thought saving for old age was a waste.

Or didn't have enough money to stop their pill as they would then need tampons.

OP posts:
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