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Should i ask my Adult Daughter to pay some money towards the household.

183 replies

Whataloadof2020 · 20/01/2025 22:29

I know theres a few threads like this.
My daughter is 22 this year. She lives with myself and my husband who is not biological dad, but had been her dad since she was 10.

This year i had to give up work and claim benefits due to poor health. My husband is self employed and earns a decent salary. But we are by no means, ‘well off’.

I initially told my daughter to pay £100 towards rent and i will put it aside for her into savings for when she moves out. She also buys her own food, only because she never eats what we eat, and sometimes she doesn’t eat what was bought in for her, so i put a stop to me buying food that i was throwing out.

So far she has not paid any money, and has just kicked off when i asked her to start.

she is a full time student, and gets a loan, as well as working part time.

she has no concept of money and sonce she has earned her own money, spends money like she is rich. There is not a week goes by without a parcel coming through the door.

I have told her that I actually need this money just now, for my own credit card bill, that i had to use while i was waiting on my benefits to be sorted, and to adapt to the way they are paid. And i would take note of how much i owed her, and would put it back in her savings.

Really I do not need to put it away for savings, but i want to help her when she does move out. But she always manages to argue the point and make me feel guilty.

She has free run of the house, comes in and out as she pleases. Uses the electricity, gas, Wi-Fi etc.
But because she HAD to have a VW polo, she has finance to pay and a high insurance.
As well as her phone bill for the most up to date iphone.

I can pay my Credit Card back, but with that £100 i can clear it quicker.

Am i being unfair?

OP posts:
Thread gallery
6
username299 · 21/01/2025 02:37

I would work out a third of bills and a bit towards rent. For example, WIFI, gas, electric, water = £80 + £70 towards rent. £150 a month via DD.

She'll get a short, sharp, shock if she looks at the price of rent+ bills + food+ insurance+ petrol if she moves out.

Bjorkdidit · 21/01/2025 06:14

Googling suggests that she'll have a loan of 'up to around £8600' if she's living at home, but presumably is reduced according to your income, plus her wages on top, so it could well be that she has almost £1k pm income?

So from that she definitely should be paying you something and £100 pm is really quite low, but is a token towards her living costs - showers, laundry etc.

She should also be saving something, so she can replace her car, pay her insurance and running costs as they arise and also just have some money behind her.

I'd suggest that she pays you at least £100 pm, possibly a little more, and also saves £200 pm and she'll still have the rest to spend, and obviously she should be buying her own food, running her car, paying for her mobile and other personal spends like clothes, going out, mobile, grooming etc. She probably doesn't realise but currently, it's likely that she's got more money than she ever will to spend how she pleases. Unless she gets a high paying job, she'll have quite a shock when she moves out and has to pay proper living costs.

boulevardofbrokendreamss · 21/01/2025 08:48

Crikey I was paying 250 back in 97. Of course she should be contributing

westisbest1982 · 21/01/2025 08:50

£200 a month seems reasonable. Still a tiny amount compared to what she’d be paying in a student house.

JellyBabiesSaveLives · 21/01/2025 09:00

Are you paying the parental contribution towards her student finance? She won't be getting the full amount unless your household income is under 25,000. I'm not saying that you can or should, but if you're going to compare her situation to what she'd be living on if she wasn't at home, then that's a consideration.

shellyleppard · 21/01/2025 09:02

Op you are not being unfair. If she's living in your home she needs to contribute financially. If she doesn't like it give her a month to move out. She will soon realise how good she has it at home.

2chocolateoranges · 21/01/2025 09:03

I wouldn’t and don’t charge my youngest as she is a full time student at uni. She works part time but it’s just enough to get by on.

my working adult son pays a token amount as we requested we’d rather he saved his money to buy his own place. This is what he has been doing.

TruthThatsHardAsSteel · 21/01/2025 09:10

I was paying my own rent and bills at 17. She needs to learn how to value money and cut her cloth so stick at it. If she doesn't pay, I'd give her a list of nearby rentals and give her x time

Tallblacktrees · 21/01/2025 09:33

I wouldn't charge someone that is at uni. Seems a bit harsh.

loveawineloveacrisp · 21/01/2025 09:38

She's a student though! How much does she earn from part time job?

rightoguvnor · 21/01/2025 09:44

I always have my young adults (and I have 3 living at home and earning) look at spareroom to see how much a comparable room would be to rent locally.
Then we go through the services they'll receive free of charge at home: Wi-Fi, on-site laundry, built in security, parking, loan of food, inclusion in take-away orders, nursing care and use of household first aid/medication cabinet when unwell, Dad the mechanic, Mum the advisor, free financial advice, '£20 till the end of the month', ROAST DINNER, I could go on and on, only you know what you can offer.

Then I charge them half.

rightoguvnor · 21/01/2025 09:46

She's a uni student and it doesn't sound as if OP would have been in much of a position to send money on a monthly basis anyway. So there should be a maintenance grant plus earnings as she would have had to pay for halls or digs anyway.

ChannelFiveDrama · 21/01/2025 09:49

It's a real shame that she doesn't want actively to help out in light of your change of circumstances and given that she has the means. It's also a shame that you agreed an amount that she's not kept to. I think you will need to make clear that it isn't optional and if she chooses to leave then so be it.

Kindly, she's completely taking the piss.

Pigeonqueen · 21/01/2025 09:51

£100 pm is far too low! 😳

emmax1980 · 21/01/2025 09:52

She needs to pay rent, we have a daughter at college and working and she is paying rent and one younger one at college not working who doesn't but will when she is working and the same age as her sister.

festivemouse · 21/01/2025 09:57

If she's a student and her loan is means tested - does she get the full amount? Less?

I'm not sure you should be using your poor money management as emotional leverage.

CatsWhiskerz · 21/01/2025 09:57

I was paying £50 a week in 1992-95 before I went to university. I had my own car too, bought my own food and did my own washing. I was paying £100 towards the car loan plus all my own expenses including train and bus tickets to London to my job.
I think your daughter needs to realise what money and budgeting is about - she'd never be in a solid financial position in her future unless she gets used to it now
Good luck

Bjorkdidit · 21/01/2025 10:01

@festivemouse 'I'm not sure you should be using your poor money management as emotional leverage'

But if the OP is getting into debt to support an adult with a decent income who's spending most of her money on non essentials, then surely it's fair that the OP asks for a contribution. The DD can always move out and stand on her own two feet if she doesn't like living at home for very little cost.

ChaosAndCuddlesAndTeacups · 21/01/2025 10:06

Tallblacktrees · 21/01/2025 09:33

I wouldn't charge someone that is at uni. Seems a bit harsh.

I wouldn't charge rent if they were only home for the holidays. Otherwise I would. They may be at uni but they are also an adult and needs to learn about budgeting and financial responsibility. The other option would be for them to move out. Then OP can stick the spare bedroom on airBnB if they need the money.

festivemouse · 21/01/2025 10:25

@Bjorkdidit

The OP needing to pay a credit card off hasn't come from having a child in full time education (who buys their own food) living at home 🤷🏻‍♀️

CatsorDogsrule · 21/01/2025 10:58

Her loan isn't a grant so she will in all likelihood be paying it back with hefty interest. I don't charge my student son and wouldn't unless I was in need.

Whataloadof2020 · 21/01/2025 11:52

She needs that shock! ⚡️ i just dont agree with letting them live free, i know some parents do, but what are they teaching them.

She was meant to give me money today, but surprise she cant afford it.

OP posts:
BookToRead · 21/01/2025 12:14

She has it very cushy living at home whilst a student. Ds's student accommodation is more than £7K. £100 per month to cover her bills excluding food is a good deal. Her choices are, pay it, or move out. She could move into student accommodation or in a house share and at no stage would any of them cost £100 per month.

Maybe show her some house shares on Spare Room to see what she would be paying if she moved out.

JustWalkingTheDogs · 21/01/2025 12:15

Yes I think she does need to pay. Maybe look at it as a % of her earnings rather than a set amount for gas and electric etc. my parents took 50% off me, but I do think that's pretty extreme.

Does her wage impact your benefits? I know my friend who's UC is impacted now her ds has started work and still lives at home

xogossipgirlxo · 21/01/2025 12:48

You're giving her very kind treatment by charging her only £100 and she's still kicking off. She needs to pay.