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AIBU?

Share your dilemmas and get honest opinions from other Mumsnetters.

How would you change child maintenance?

219 replies

CountessaExplainsItAll · 28/04/2026 16:07

I’d make it direct pay as standard, coming from PAYE wages, like an unavoidable tax which is paid when they are.

I’d make arrears payable over the next tax year. If unpaid, assets should be seized.

I’d increase the percentage of salary paid by NRPs with no overnights significantly. NRPs who do weekly overnights have much higher costs than those who don’t.

I’d stop the reduction for NRPs living with other children they haven’t created or adopted.

I’d make maintenance count towards means-tested child benefits. If the NRP legitimately can’t pay (for instance because the parent is dead) then the state should.

I’d punish self-employed tax evaders more severely (not sure exactly how).

You?

OP posts:
Namechange0989 · 28/04/2026 20:05

Offherrockingchair · 28/04/2026 16:40

I agree with everything you’ve said, OP. I don’t see why the state is made to step in when drop dead dads disappear. You father a child, you support that child 50/50 until he or she is 18/21. Take the money from these ‘fathers’ any way you need to. Send them to prison if they don’t cough up, like they do in the US. Illness/disability obviously excused. The children shouldn’t suffer but the rest of us shouldn’t have to foot the bill because some fool had a one night stand without thinking about the consequences. It beggars belief that people vilify single mums. The absent dads should be seen as the scum of the earth that they are.

Yep, it's the elephant in the room when talking about how much the welfare state has increased since people stopped having personal responsibility and morals!

missmollygreen · 28/04/2026 20:09

ToKittyornottoKitty · 28/04/2026 16:27

That’s a silly idea for several reasons

Heaven forbid the money is actually spend on the child...

Wipeywipey · 28/04/2026 20:12

Namechange0989 · 28/04/2026 20:05

Yep, it's the elephant in the room when talking about how much the welfare state has increased since people stopped having personal responsibility and morals!

Especially when the Reform voters with multiple kids they don't pay for by dozens of different women all wang on about "foreigners using the NHS" and taking jobs.

SnappyQuoter · 28/04/2026 20:14

missmollygreen · 28/04/2026 20:09

Heaven forbid the money is actually spend on the child...

So, you think we should shop for their food separately? How do we work out what percentage of heating and hot water they used? What about the difference in rent/mortgage for their bedroom? Petrol use for driving them around? You want auditors to come in and itemise all that for every single parent household?

It is utterly idiotic. Are you one of those who things that a resident parent who buys themselves new clothes, or goes out for a glass of wine, or goes on holiday is spending their child maintenance on themselves?

My ex is like that. He thinks that if I have any money to spend on myself, then I shouldn’t need child maintenance so I’m using his maintenance payments on myself. No. Idiotic, and lacking in critical thinking.

Tableforjoan · 28/04/2026 20:14

This is a big problem within families a the housing market.

More and more separated people/families. Means more housing needed before the population even expands. Housing goes up, it costs everyone more and then we all need more.

Add In some types who see to need a baby in every relationship and you’ve got men and women with multiple baby parents split across multiple houses. None of them properly supported really.

TheDisillusionedAnarchist · 28/04/2026 20:17

I’d make it a standard amount to be paid per child by age per month regardless of income. Likely based on foster care allowances which is supposed to reflect a weekly income sufficient for the costs of the child.

Every parent is liable for half this amount per child. Everyone with a child on benefits gets half child related benefits eg child benefit/child related element of UC.

Parents who don’t do 50/50 pay the relevant proportion of the money to the parent doing more. You pay whether you work/claim benefits/ live on air

Don’t pay, it’s docked from pay or benefits or it’s a CCJ and they come and sell your belongings.

So for example
two kids ages 9 and 12 outside the South East
Each parent must pay 100.50 per week for 9yo and 113.50 for 12 year old.

If non resident parent does every other weekend they pay £86.43 per week for their younger child and £97.61 for oldest.

This would reflect the reality that you have to pay for your children regardless of what you do. The only way out is 50/50 care. No discounts for dropping the job, hiding money or having another child just pay up.

It actually fairly reflects the cost of raising children

PinkEasterbunny · 28/04/2026 20:20

JohnofWessex · 28/04/2026 16:55

Dusting off my PhD in the Bleeding Obvious you cant take more money from the paying parent than they have

Well I agree with this, but lots of people won’t …

RhaenysRocks · 28/04/2026 20:21

CountessaExplainsItAll · 28/04/2026 19:30

Well then you’d be better off under the pay-what-it-costs model than the current one. And him having future children wouldn’t impact you either.

Maybe you've been replying to the wrong poster? I never commented on your proposal.

CountessaExplainsItAll · 28/04/2026 20:22

TheDisillusionedAnarchist · 28/04/2026 20:17

I’d make it a standard amount to be paid per child by age per month regardless of income. Likely based on foster care allowances which is supposed to reflect a weekly income sufficient for the costs of the child.

Every parent is liable for half this amount per child. Everyone with a child on benefits gets half child related benefits eg child benefit/child related element of UC.

Parents who don’t do 50/50 pay the relevant proportion of the money to the parent doing more. You pay whether you work/claim benefits/ live on air

Don’t pay, it’s docked from pay or benefits or it’s a CCJ and they come and sell your belongings.

So for example
two kids ages 9 and 12 outside the South East
Each parent must pay 100.50 per week for 9yo and 113.50 for 12 year old.

If non resident parent does every other weekend they pay £86.43 per week for their younger child and £97.61 for oldest.

This would reflect the reality that you have to pay for your children regardless of what you do. The only way out is 50/50 care. No discounts for dropping the job, hiding money or having another child just pay up.

It actually fairly reflects the cost of raising children

I agree with this.

There’d be some NRPs worse off, but far more would be better off and it’d be far less expensive to the taxpayer.

OP posts:
CountessaExplainsItAll · 28/04/2026 20:25

PinkEasterbunny · 28/04/2026 20:20

Well I agree with this, but lots of people won’t …

There should be exceptions for people who genuinely can’t pay, for instance due to disability. But shirkers and tax avoiders should be forced to pay.

OP posts:
CountessaExplainsItAll · 28/04/2026 20:27

RhaenysRocks · 28/04/2026 20:21

Maybe you've been replying to the wrong poster? I never commented on your proposal.

No, I meant to reply to you. We disagree on whether subsequent children should make payments decrease under the current model. But we both presumably see the benefit of a NRP paying half of the child’s average costs.

OP posts:
RhaenysRocks · 28/04/2026 20:28

CountessaExplainsItAll · 28/04/2026 19:48

I’m not saying you’re lying but that was vastly untrue for my cohort. I don’t know anyone who went home except for a week or two here and there. Most people had jobs in their uni town.

I do think the policy of resident stepparents’ income counting towards loan entitlement is wrong though. It should be both biological parents, with an option for the student to declare themselves estranged.

Why are you picking on me? My experience and those of all my peers was as I described. I now teach teens and we know where they go when they leave us. Its as I described, plus the job market for them is dire. Not a one of them.is financially able to be independent at 18.

CountessaExplainsItAll · 28/04/2026 20:29

Tableforjoan · 28/04/2026 20:14

This is a big problem within families a the housing market.

More and more separated people/families. Means more housing needed before the population even expands. Housing goes up, it costs everyone more and then we all need more.

Add In some types who see to need a baby in every relationship and you’ve got men and women with multiple baby parents split across multiple houses. None of them properly supported really.

I think there are so many babies in new/unstable relationships because there’s little consequence. New baby = more money and a bigger house for many people.

OP posts:
CountessaExplainsItAll · 28/04/2026 20:30

RhaenysRocks · 28/04/2026 20:28

Why are you picking on me? My experience and those of all my peers was as I described. I now teach teens and we know where they go when they leave us. Its as I described, plus the job market for them is dire. Not a one of them.is financially able to be independent at 18.

I’m not picking on you 😂I’m replying to you; it’s a message forum. You are welcome to stop posting if you wish.

OP posts:
FirstdatesFred · 28/04/2026 20:31

The problem with making it count towards means tested benefit entitlement is that even co parents who get along well might agree the non resident parent will pay less because they know then that means more benefits.

RhaenysRocks · 28/04/2026 20:31

CountessaExplainsItAll · 28/04/2026 20:27

No, I meant to reply to you. We disagree on whether subsequent children should make payments decrease under the current model. But we both presumably see the benefit of a NRP paying half of the child’s average costs.

Sorry cross posted. I don't think an NRP should be having more children at the expense of his existing ones. If a couple make that decision together thats up to them, but not in a split family. Especially when the NRP doesn't really have day to day contact and doesn't see or appreciate the impact on his existing kids.

LlynTegid · 28/04/2026 20:36

If you are not paying or significantly in arrears, a ban on leaving the UK until all debts are cleared and then no arrears for at least a year. If you persist, then no driving licence for a minimum period, no exceptions for hardship.

And anyone holding elected office is disqualified.

OnlyMabelInTheBuilding · 28/04/2026 20:38

RhaenysRocks · 28/04/2026 20:31

Sorry cross posted. I don't think an NRP should be having more children at the expense of his existing ones. If a couple make that decision together thats up to them, but not in a split family. Especially when the NRP doesn't really have day to day contact and doesn't see or appreciate the impact on his existing kids.

You don’t think the CMS amount should be reduced when an NRP has more children, or you don’t think an NRP should *have any more children?

cadburyegg · 28/04/2026 20:40

justaddshallots · 28/04/2026 19:54

financial assets should be included - not just salary - my ex husband got his share of the house equity and promptly quit job so no CMS even though sat on tens of thousands of pounds

prolonged periods of out of work which are clearly because they can’t be arsed to work should accrue a CMS debt so that when they return to work they have to pay off the debt - refusal to take on any work should incur higher penalties

no time limit - CMS debt should be reclaimable from the deceaseds estate and also from inheritance

This is exactly what my exh did. He got his equity share of 100k in November 2023. Stopped paying maintenance in December 2023. A coincidence? I think not.

CountessaExplainsItAll · 28/04/2026 20:42

RhaenysRocks · 28/04/2026 20:31

Sorry cross posted. I don't think an NRP should be having more children at the expense of his existing ones. If a couple make that decision together thats up to them, but not in a split family. Especially when the NRP doesn't really have day to day contact and doesn't see or appreciate the impact on his existing kids.

But every second child is had at the expense of the first, if you go down that route.

Are you saying that even a billionaire shouldn’t have a second family as it would be financially detrimental to his first child?

OP posts:
RhaenysRocks · 28/04/2026 20:49

CountessaExplainsItAll · 28/04/2026 20:42

But every second child is had at the expense of the first, if you go down that route.

Are you saying that even a billionaire shouldn’t have a second family as it would be financially detrimental to his first child?

Seriously, what's your issue with me? What I'm saying is not original or controversial. If a man can have more children in a new relationship at no cost to his first, go for it. But unlike in a nuclear family, the decision to spread the resources more thinly is not taken jointly and inevitably mum no1 will have to make up any shortfall. No one is actually going to stop their kids' hobbies so they'll find the difference. Dad only sees the kid 2x a month so doesn't notice the issue.

CountessaExplainsItAll · 28/04/2026 21:05

FirstdatesFred · 28/04/2026 20:31

The problem with making it count towards means tested benefit entitlement is that even co parents who get along well might agree the non resident parent will pay less because they know then that means more benefits.

That’s why it should be a set amount that’s not related to any other benefits. The RP gets the money, it comes from the NRP or the government fronts it but the NRP has to pay it back. Would help for things like mortgages too.

OP posts:
previouslyknownas · 28/04/2026 21:09

LlynTegid · 28/04/2026 20:36

If you are not paying or significantly in arrears, a ban on leaving the UK until all debts are cleared and then no arrears for at least a year. If you persist, then no driving licence for a minimum period, no exceptions for hardship.

And anyone holding elected office is disqualified.

Yep
block passport
points on licence
non payment on credit file

and no reduction for 2 partners kids

and no reduction for more kids

as it is there is nothing to stop men / nrp having more kids and this reducing the previous payments

you know you already have one kid

if you have more with partner number 2 or 3
there is no reduction
it might make people think a little bit about who they have kids with

StarCourt · 28/04/2026 21:20

Sprogonthetyne · 28/04/2026 19:53

Whilst I still agree with you, I've realised how much of a different angle I'm viewing this from then you.

My DC have additional needs, so paid childcare isn't even an option for them (we'll technically it is, but would cost 5x what I could earn). We also live in a cheap area, so housing costs for myself and ex are low.

The main 'cost' of my DC is that I can only work during school hours, meaning I had to give up a much better paying job and their actual running costs. I spend a fortune on therapy, assesments, specialist clubs/activities, sensory equipment, spercific dietry needs & outings. Whereas their dad has non of these costs, and has more or less gone back to his pre-kids lifestyle and disposable income level.

Not sure quite what point I'm making, just thought it was interesting how different situations can be, which is why there's never going to be a one size fits all.

Was going to say exactly this. My DC is disabled has lots of extra costs of quarterly psychiatrist visits, medical needs, weekly therapy sessions, specific foods etc

JohnofWessex · 28/04/2026 21:24

I take it then that no woman who claims maintenance should be allowed another child either?