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Parents of adult children

Wondering how to stop worrying about your grown child? Speak to others in our Parents of Adult Children forum.

I desperately need advice, I am at my wits end

87 replies

OhMyChristMickk · 05/01/2025 16:16

DD is 20, 21 in a few weeks.

Very likely Autistic but failed by the NHS in this when she was a child. I do think this is relevant. We were told repeatedly she didn’t meet the criteria for a diagnosis. I have ADHD and there is a lot of autism/adhd in my family (all diagnosed in the last few years).

She has never really launched as an adult.

A very brief and hopefully not too outing timeline of her recent years - failed first year of A levels and then with a lot of my help got an apprenticeship (I was driving her to and from- 3 hours driving a day) She was let go from this after 6 weeks because she just simply didn’t do any work. College then agreed to have her back for a Btech course which to her credit she completed.

So she left college almost a year ago and since then has had several part time bar jobs and been sacked from every one. The most recent one has withheld her wages saying that she owes it for stock discrepancies. (Illegally, and I am fighting this for her) The thing is she is a terrible employee. She calls in sick, is late, is rude to customers and will just refuse to do things.

I have accompanied her to the job centre, and got her into an employment scheme for adults with additional needs. But as she is an adult they quite rightly don’t communicate with me, and she tells me nothing. Or outright lies. So I don’t know what’s going on with that.

She seems to actually despise us. She spends most of her time at her boyfriends house. Which is a huge issue as she has a pet that she brought home early last year as a birthday present to herself despite us saying no. We have no option really but to care for the pet. Re homing is not an option, he is loved and cared for and it’s not his fault. But he is a handful, and adds a huge deal of stress. She’s basically abandoned him.

Recently we started receiving debt letters. I opened them. I found out she owed £400 to Klarna for various clothes and shoes purchases going back to early last year, she had set up all these credit agreements and not made a single payment. When I spoke to her she said oh I didn’t think Klarna was that serious, like it’s just an app. The debt collectors were threatening bailiffs so I just paid it off (onto my credit card!) and told her she’d be paying me back as soon as she got paid. Over the next hour or so she dripfed that she also owed nearly £2k on a credit card and overdraft. I helped her contact StepChange. Made it very clear that I needed her to pay me that £400 as I had gone into debt myself for it.

Next pay day (last week) she only got paid half and after initially lying to us for a week about it being a mix up eventually confessed yesterday that she’d been sacked and wages withheld.

I told her she would have to give me what she had been paid and just go without any money for the month. And then we find out that she’s already spent £200 of it on Pokémon cards and the pub. She has given me £150. She now has no money coming in until either universal credit or new job pans out.

Talking to her goes round in circles. She is contrite (sometimes) and makes promises and then nothing changes.

She has had an interview today for a part time job. But I don’t see what will be different this time. She just doesn’t seem to have any adulting skills at all, and I don’t know what else to do. We have tried helping, we have tried discipline, we have tried begging and pleading.

She has made it very clear that she thinks we should fund her. And that she’s happy for us to be in debt to help her out. And she lies and lies and lies.

My own parents chucked me out at 15 and again at 18 and I had a terrible time of it so I have always been adamant I would never kick her out. But she’s nearly fucking 21! When does it end? What the fuck do we do? She would have nowhere to go and no way of supporting herself. How can I make her into a functioning adult?

This is probably really outing now if anyone knows us in rl but I am desperate for help here.

OP posts:
CharlotteRumpling · 05/01/2025 16:19

I feel for you. You have clearly done all you can. But don't chuck her out. Not with possible SN.

Someone else will be along with better advice for SN kids.

LaRevolution · 05/01/2025 16:22

This sounds really hard, OP. I wish I had some great advice but I'm afraid I don't really - it sounds like you're doing all the right things, though. People will tell you to kick her out and go no contact but IME that will be counter-productive. I have a relative with a similar lack of adulting skills (and autism) and long story short, at 43 he has only recently moved out, into a house his parents bought (at great personal sacrifice) so that they could get him out of their own. It's a tricky situation as he's not wilfully running up debts like your daughter - he simply doesn't have the skillset to deal with life as an adult on his own (including holding down a job) and I honestly don't see how he ever will. He's lovely though, and very clever and talented in some ways.

I think the best advice I could give you is to perhaps try and find a support group for parents and family members in a similar situation - does that seem feasible, as a first step?

Nollybolly6 · 05/01/2025 16:24

Ah man I would be tempted to chuck her out but keep in touch and help from nearby. She won’t ever learn consequences if there aren’t any consequences to be felt.
its the toddler equivalent of going out without a coat, she needs to not wear a coat for 5 mins and realise its cold. And then you are the next to her with the back up coat your brought along.
She doesn’t believe Klarna is real because she’s never understood the consequence and value of money etc.

if she is neurodiverse then she needs to see a doc to get it on her records so she can get the support available. Until then she’s just a normal adult with no ND

CharlotteRumpling · 05/01/2025 16:25

I don't think you would be unreasonable to rehome the pet if you can find a good home for him. You seem to have your hands full.
I do think you need to get an official diagnosis even though I have no idea how you do that.

DelphiniumBlue · 05/01/2025 16:28

Don't kick her out, but don't take on her debts in future. They are not your responsibility. Don't get into debt yourself to bail her out.
You can provide a roof over her head and food, if she needs anything else, it's not up to you to give it to her. She needs support, but without any diagnosis that's going to be impossible to come by.
I'd try again for an assessment, things have changed a lot in the last 5-10 years as far as assessing girls is concerned.

Tinselinthewhoopsiebasket · 05/01/2025 16:30

Take her pet to her bfs house... Does she pay board?

DangerPigeon · 05/01/2025 16:35

What consequences would she understand? Has she even got anything that the bailiffs could take (that's not your property)?

DogInATent · 05/01/2025 16:36

Re homing is not an option, he is loved and cared for and it’s not his fault. But he is a handful, and adds a huge deal of stress. She’s basically abandoned him.
Re-homing is an option. And it's the first step you need to take for yourself if you're ever going to stop being the doormat that constantly enables her inability to be an adult.

She has made it very clear that she thinks we should fund her. And that she’s happy for us to be in debt to help her out. And she lies and lies and lies.
She is never going to sort herself out as long as she can relies on you to go along with the role she's given you in her life. You need to change before she will.

Miloarmadillo2 · 05/01/2025 16:38

You need to be equally clear that you won’t fund her or bail her out if she gets into debt. Does she pay board? Increase it to include repaying you the £400 in instalments. You only learn to adult by having some responsibilities. I can understand you not wanting to kick her out but you need to have some sort of phased plan towards her being independent - whilst she is living for free and bank of mum and dad gets her out of trouble why would she change her ways?

If she’s defaulted on previous loans hopefully her credit score will be so poor she can’t borrow for a while - I don’t know what checks Klarna etc use.

Following for more advice as we have a 14 yr old who is ND and can see launching him will be a process. Finding a balance between helping and letting them fail is going to be a tough one. We’ve been absolutely clear we will not be funding them once they leave education though!

Nosferfartu · 05/01/2025 16:40

Tell her straight that you won't be bailing out her debt again, and if she continues in this way she will likely end up in prison.

OhMyChristMickk · 05/01/2025 16:41

She is supposed to pay board (£300pm), she utterly resents this. We are starting to enjoy our midlife and take more holidays and meals out and stuff; she has told us we are profiting from her rent payment. That was a fun conversation. She’s only ever paid her full rent a few times though as she’s been in and out of jobs. Tbh the whole idea of her having rent to pay was supposed to make her see that she needs to work to support herself.

OP posts:
Ilovethewild · 05/01/2025 16:42

Op, I feel your struggles, not my child but family have adult children, 1 diagnosed adhd, 1 refuses to go through assessment but likely to be as well, needed help long into 20’s, around adulting, chopping and changing her mind on studying, courses, training, work, travel and pets! etc. they did make it (around 30), family found it hard they were financially supporting in a variety of ways, but it did help the young adult eventually.

if your child doesn’t want an assessment etc then you can’t do anything about that, but support them based on their needs.

when they are in the middle of exposing debts, struggling it is not to time to make further demands, try and find a better time but I appreciate you hoping once an adult this would cease…

guiding them through step change is useful but also seeing if they can stay on benefits to get used to things a bit and manage finances without pressure of work.

at this age it’s good to try different things to know what job etc you want, but excess spending should stop as they have no money for that. They have to face that to understand, but with your help to manage.

OhMyChristMickk · 05/01/2025 16:42

Nosferfartu · 05/01/2025 16:40

Tell her straight that you won't be bailing out her debt again, and if she continues in this way she will likely end up in prison.

Almost verbatim what I said to her this morning!

OP posts:
DangerPigeon · 05/01/2025 16:46

I get that you can't kick her out, could you provide bed and food but not fund anything else, like a phone (that she presumably used apps on to build up debt), money in her account etc?

DangerPigeon · 05/01/2025 16:48

Just thinking that she needs to want to earn the money for things she desires and probably knows you won't kick her out so the rent thing isn't 'important'

MessyNeate · 05/01/2025 16:48

She needs to stand on her own feet. And she won't whilst she's under your roof.

My DS now 23 "moved out" when he was 19 after a row when he lost his sixth job in 6 months (he had a baby to support)

It's taken him a while. Also SN but he's in a house share has held his current job down for a few months now and seems to be "adulting" properly, we are slowly building our relationship back up, I could never have him back in the house (he stole from me)

I'm of the opinion she needs to move out to learn how to be an adult, you can still help her from a distance

Bobbybobbins · 05/01/2025 16:49

Can she get PIP? Sounds like her possible condition is hugely impacting her ability to work.

DogInATent · 05/01/2025 16:51

Bobbybobbins · 05/01/2025 16:49

Can she get PIP? Sounds like her possible condition is hugely impacting her ability to work.

She hasn't got a (diagnosed) condition.

Vroomfondleswaistcoat · 05/01/2025 16:52

Had a slightly similar daughter. She took a LONG time to grow up, but eventually went off to Uni - now works and is engaged. But I had to treat her as a much younger child, her autism and ADHD (late diagnosed) gave her a mental age of a girl about four years younger than her chronological age, although she did eventually sort herself out. Does it help if you think of your DD not as a 21 year old but as a slightly immature 17 year old and in need of the kind of help that a young adult of that age might require? I had to INSIST on my DD volunteering, as she was too anxious to work, she found volunteering easier and it taught her some essential skills (although it did mean she wasn't bringing in any money, it was kinder on her anxiety and she learned more about how the world of work actually... well, works, without the pressure of being expected to perform).

GreatPlumPlayer · 05/01/2025 16:53

‘Failure to launch’ is all too common in autistics. I’m not convinced her having a job right now is the right step, not expecting her to pay £300 board. £300 board is an awful lot for an ordinary 21 year old living at home, let alone someone with additional needs. I think you need to way lower your expectations here. Can she do another educational course, something that can at least focus her on something without the pressure of an employer judging her work performance as such?

Whether you like to believe this or not, 21 is still young, and particularly so for an autistic person given that many tend to be emotionally less mature in their years. Most people don’t fully mature until they turn 25.

I am surprised that she could buy so much on credit however, given her poor financial position. There needs to be a hard and fast rule - no credit. Only use of debit card until she’s clear of debts.

It may take many years until she fully realises the consequences of her actions. That’s what maturity looks like, and obviously many autistic adults are responsible and mature, but in your daughter’s case she either needs way more time to ‘adult’ or she may always find it difficult.

Candlesandmatches · 05/01/2025 16:57

Firstly I would rehome the pet. The pet isnt yours.
Secondly any comments about the rent I would either ignore or have a set phrase - eg you are an adult and adults pay rent. This rent is substantially below what would be paid on the open market.
She should be paying rent and that’s the end of it. She can pay it to you or to someone else - probably at a much higher rate.
logical answers always work best I find.
The debt is hers to pay.

I would offer to pay for a private autism assessment. If she refuses that is her choice.

Something to mention is this children/young ppl with a diagnose are often 18 months younger developmentally than their biological age. Something to consider. But as it does take longer to learn the life skills it’s good to keep doing them now.

Jingleballs2 · 05/01/2025 16:59

OhMyChristMickk · 05/01/2025 16:41

She is supposed to pay board (£300pm), she utterly resents this. We are starting to enjoy our midlife and take more holidays and meals out and stuff; she has told us we are profiting from her rent payment. That was a fun conversation. She’s only ever paid her full rent a few times though as she’s been in and out of jobs. Tbh the whole idea of her having rent to pay was supposed to make her see that she needs to work to support herself.

In that case, tell her to take the 300 pound and find her own place to live! In the real world you can't live somewhere for free

ByQuaintAzureWasp · 05/01/2025 17:05

I woukd set some ground rules

  1. She needs to care for her pet otherwise it gets re-homed. She needs to know she has to act responsibly or there are dire consequences.
  1. She needs to get a job, be on time, be polite etc.
  1. She needs to pay you and her other debt off asap - you need to oversee this.
  1. You must not give her any money (food yes, money no).

If she didn't agree to above I'd ask her to find alternative accommodation. Stop babying a 21 year old.

MrTiddlesTheCat · 05/01/2025 17:10

I was once told that a rule of thumb is that autistic youngsters are emotionally around 2/3rds of their actual age. So your DD is currently more like a 14 year old than a 21 year old. Which fits with what you describe. But they do grow and develop, you just have to weather the storm until they get there.

My autistic DD was also a nightmare at that age. I despaired after bailing her out time after time. But eventually she got her degree and is now, in her 30s, a special needs teacher herself. She still has more days off sick than her colleagues and she still spends too much on absolute crap, but she lives independently and manages to pay her bills.

RaininSummer · 05/01/2025 17:11

If she got PIP it sounds like she would just fritter it away. Does she maybe need you to be her appointee for financial matters including universal credit? You would then be able to attend meetings with work coaches with her. She needs to learn to budget, pay her bills and how to hold a job down.