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How much is reasonable to charge a parent in board?

44 replies

wildflower93 · 08/02/2025 19:25

Hi!

I’m looking for some advice and opinions on a reasonable amount for my mother to charge my elderly grandmother as a contribution for moving in with her.

For context, my Nan and grandad lived abroad for many years after selling their home. They moved back and rented. Recently, my granddad died and my Nan has been diagnosed with dementia which is rapidly getting worse. She calls my mother from 5am in the morning into the early hours of the night. She hates being alone but struggles as she doesn't want to leave my grandad (a cushion of him ☹️)

My mum works full time (sometimes 70 hours a week) and still manages to see and support my Nan everyday. She provides at least 5 of her evening meals. I would say it’s akin to an additional job. They are very close and since my grandad passed, my mum has been begging her to move in. She has finally agreed.

My mum rents with my retired father and their bills are around £2000 per month including food.

My nan’s are around £1200 as she never has her heating off.

My mum’s bills will inevitably increase in all areas when she moves but I foresee her heating bill going up by around £200 a month.

What is a reasonable amount for my mother to ask as a contribution? This number would include food, council tax, gas and electric, water etc.

OP posts:
Caspianberg · 14/02/2025 05:35

Based on our household:

We spend around £70 per person food ( so say £300 a month if your including paying for odd meals out with her, and buying different types of food of food)

£200 heating you estimate

Increase in other bills like electric, water - maybe £50

Thats around £500 a month to cover basics

Misc costs - £100

-£600/700 a month.

To be reviewed if mum is dropping hours at work to care, or your hiring in additional care or cleaners if needed later

sugarspiceandeverythingnice12 · 14/02/2025 06:01

I appreciate that this might not be a popular suggestion, but I think Nan needs proper care.

I'd get her assessed by Social Services

I dont think living with your parents is a good solution and I think Nan should go into a Care/Nursing Home which can support her properly

SoNiceToComeHomeTo · 14/02/2025 06:06

It is absolutely right that grandmother should contribute. 1000 per
month sounds about right.

Fluffycloudsfloatinginthesky · 14/02/2025 06:11

I think you are right @sugarspiceandeverythingnice12

It does seem like it could end up very difficult in 12 months time.

2in2022twoyearson · 14/02/2025 06:16

Both my grandmas handed over power of attorney towards the end of their life when they had dementia to a child. One doing it encouraged the other that it was sensible. Is this something you've discussed? But it sounds like your nan wouldn't be keen. My granny didn't have a good grasp of money as my grandpa did it and she'd think £200 was a huge amount of money like it was 50 years ago.

workoholic · 14/02/2025 22:06

StormingNorman · 08/02/2025 19:53

If your mum is an only child, I would consider charging £1,200 (the same as she currently pays) to help mitigate inheritance tax when the time comes.

I agree to this, and also might be worth looking at carers allowance.

Ang3leyes · 15/02/2025 00:33

2in2022twoyearson · 14/02/2025 06:16

Both my grandmas handed over power of attorney towards the end of their life when they had dementia to a child. One doing it encouraged the other that it was sensible. Is this something you've discussed? But it sounds like your nan wouldn't be keen. My granny didn't have a good grasp of money as my grandpa did it and she'd think £200 was a huge amount of money like it was 50 years ago.

I have a feeling that my own mother might be developing dementia, what are the signs, mine thinks a few pounds is a lot of money

discdiscsnap · 15/02/2025 01:15

I'd consider how much bill increase will be plus food and any other expenses. Maybe £700?

LittleLlama · 15/02/2025 06:29

My MIL pays over £1200 a month to my BIL. This may seem a lot but it covers everything. They have adapted their home to meet her mobility needs. Heating costs are much much higher. In the winter they spend over £1000 a month on electricity (they don’t have gas), despite having very good insulation and solar panels. They employ a hairdresser to come in once a week to style her hair. They have a special car to take her out to her appointments and for trips, etc. If she was in a care home the costs would be much higher. My MIL owns a bungalow, which she rents out and this pays for most of the costs.

2in2022twoyearson · 15/02/2025 06:55

@Ang3leyes I think it effects different people differently. My grandma, grandad and granny all had it. Just my granny got confused and confrontational about money. She was dyslexic so didn't get a diagnosis for a long time because I think she'd learnt to mask shortcomings her whole life.

Bigcat25 · 16/02/2025 02:30

Your mother has been working like crazy and has spents lots of money on her and is only breaking even. I think GM should pay a substantial sum. I also worry about your mom burning out. At least $1200 as said above. I would also plan to get her in a nursing home soon.

litup · 16/02/2025 20:42

Your mum is a saint.
You can't take your money with you so it would be bonkers for you Nan not to be contributing the £1,200 (at least) she will save moving into her daughter's home.
If your Nan gets PIP does that mean she's fairly young? Eg not retired yet?
I think there may be other benefits like no council tax etc if you have dementia, and attendance allowance so maybe have a check online (there are online quick questionnaires that you can fill in to get a good idea).
It sounds like your mum will have to give up work to become a full time carer at some point, and it's an incredibly hard job, especially with dementia and especially when it is someone you are related to. Patients with dementia can wander or leave the gas running etc so need someone with them at all times. They can be violent, abusive and get anxiety so need constant reassurance

I don't wish to be negative but your mum is basically giving up her life until your Nan passes, your Dad too. Their home will be dominated by the care needs of your Nan.

My siblings and I did I for my DDad for a couple of years (but he stayed in his home, we took turns to live with him) and you can't underestimate how hard it is. It's grinding. My DDad was the model patient and was incredibly easy to care for (no abuse, violence, repeating the same thing over and over) but became doubly incontinent which was a challenge as he was frail by then and we were lucky, he was slim and could be supported by 3 of us when we needed to clean him up & the house was big so lots of room to hang up all the drying washing!

He declined gradually and went into a care home for his last year of life. He needed a hoist by then and professional carers know what they are doing and the care home is set up for showering/washing patients and looking out for bed sores etc.
I can't imagine looking after him for that last year, it would have killed me. It's too much for 1 person.

Please look after your mum and talk to her, let her know you'll be there to prevent your own mums health being destroyed while she takes care of her mum.

Yellowtulipsdancing · 16/02/2025 20:48

She should pay full cost of setting up her new room as a one off payment.

ensure she gets attendance allowance and use that on her extra costs. And claim carers allowance yourself and you have that money.

Then Charge for all extra costs - heating, electricity etc plus food. Then for doing her washing, cooking etc. Plus a rent element.

do not get sucked into buy8 g all her meals out, drinks, clothes etc.

Psychologymam · 16/02/2025 20:57

You need to think through power of attorney (or whatever is appropriate in your country) and go through process to see if your nan is able to make financial decisions. If she isn’t, I’m not sure how you would be able to charge her as she would need to understand the contract she is entering into and you can’t just start helping yourself to her money if she is unable to understand the process - the situation is fraught for potential abuse or for your parents to be accused of abuse

Onlyonekenobe · 16/02/2025 21:09

Given your parents can't afford to pay for her, they should pay her whatever extra it costs to have her live with them. It's just expenses, after all. Not a profit-making endeavor.

pinkfondu · 17/02/2025 09:53

Everything should be thought of including a power of attorney, your mum needs to be able to action anything that may crop up. She should also look into what she might be able to aim for looking after her

maximalistmaximus · 17/02/2025 13:28

She can charge £7500 per tax year. Above this will count as a taxable income & could affect any means tested social security they receive.

If they are renting they should be wary of any clause in their tenancy that forbids sub letting.

Your Nan should also be informed that she will have no security of tenure at your DM's. She can be put out at a weeks notice for no reason.

You should all consider what would happen if any of the 3 of them were to die suddenly.

Also if she has dementia you need to have a plan for her care beyond what your DM does now. What happens when she needs toileting? What about when she needs 24/7 supervision? Will DM give up paid employment? They need to check their income & entitlements once this happens.

Could she go & talk to CAB about some of this? It's very complicated & will only get more so.

www.gov.uk/rent-room-in-your-home/the-rent-a-room-scheme

LittleOwl153 · 17/02/2025 14:03

I would stick with the £1200 so your nan doesn't see any changes in her accounts.

I'd then get your mum to set up a separate account in her name that the £1200 goes into. Then take out of that money every additional expense- so energy costs rise, cost of redecorating bedroom, increase in food costs etc. Do that for a few months and see where it goes. Your mum shouldn't be afraid to use that money and the danger of this plan is that she still sees it as nans money.

Do your mum have siblings? This is the biggest risk to money disputes. If she doesn't then I'd just go with whatever feels comfortable. There is a huge amount of care involved with even a currently mild dementia patient- your mum needs to be reasonabley recompensed and the residential home near me charges close to £1000 a week nursing is upwards of £1600 so I don't think tour nan would be getting a bad deal at £1200.

And yes power of attorney if her dementia hasn't get too bad to be signed off. Then your mum can do what she needs to do.

ValentineValentineV · 19/02/2025 22:29

£1200

Claim Attendance Allowance

Look into care visits for your Nan and respite for your DM, she will need it.

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