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Relationships

Mumsnet has not checked the qualifications of anyone posting here. If you need help urgently or expert advice, please see our domestic violence webguide and/or relationships webguide. Many Mumsnetters experiencing domestic abuse have found this thread helpful: Listen up, everybody

Clash with DH over how much financial freedom to give teen DDs

164 replies

FinancialPerspectiveNeeded · 30/07/2025 11:19

Two teen DDs, 17 and 13. On the whole, great kids, polite and cooperative. Elder DD very conscientious at school, younger DD less so but finding her feet slowly. Keep their rooms generally clean, help when asked with housework, affectionate, have some nice friends. I have full trust in them and on the whole a great relationship with them.

My DH and I clash on parenting in a few areas, one of which is how much money/financial freedom to give the girls.

He does not really deal with any of the finances at home (he has visibility of it and I share details), I do all the shopping, bill paying, present buying, holiday buying, big house purchases and take a lot of decisions as he does not like dealing with this. We share finances (all income goes into one pot) and we both work in above average paid jobs (him f/t, me p/t and he prefers me to be p/t and take care of house stuff). We have no mortgage and significant savings. I appreciate this puts us in a very lucky position and do not take it for granted.

I grew up with less but 'comfortable'. My father was self employed and lost his job every few years and we had school meals/second hand clothes (when it was far less common) and no second income (SAHM). No private schools, but we had birthdays and Christmases and UK holidays (one or two abroad) and pocket money because my parents were careful and always had some savings. We did not feel too much the effect of the redundancies. My father died 20 years ago and I have a very good relationship with my mother.

My DH grew up with parents who had themselves lived through very tough financial situations. My FIL was the son of a virtually penniless subsistence farmer in rural France with multiple kids. My MIL was abandoned by her husband with 9 kids to look after and received a minimal income from the wider family. Toys were non existant for FIL and bags of nails to make stuff with for MIL. FIL went into the police and climbed the ranks but was not able to let go of his fear of not having money.

His kids (DH and BIL) did receive presents and holidays (not abroad), but DH was once excluded from an overseas school exchange trip (when no other kids were, even from poorer families) as it was deemed an extravagance and not bought any fashionable clothes as teens, but rather the cheapest tracksuit bottoms that were not in fashion and made them a bit embarrassed. Toys were looked down on after a certain age by FIL as 'childish things' and the other kids at school had the latest Lego but not him and his brother.

These acts amongst other things (when my FIL would buy himself latest bikes/equipment for hobbies) has a caused a lot of damage and the relationship between DH/BIL and their parents is strained/polite. They live 5 & 8 hours by car and we see them only about once per year. My MIL is very unhappy with this and has cried about it to me & my girls when she visits (this part of the general dysfunction in the family). DH feels justifiably guilt tripped and resentful.

Sorry for the long background but it is relevant I think.

DH and I have always been frugal but in recent years I have learned to "let go" more of money as I could see it was not necessary to be so frugal.

This has had an impact on how much I buy for and allow my kids to spend. These days there is a lot of marketing to teens, which they are exposed to via phones. So I get a lot of requests for buying bits and pieces like make-up /cosmetics/clothes. They don't go to their father as he will be quite angry with their requests and tell them they are wasteful.

I try to evaluate each request and say no some of the time, but based on my internal 'barometer' which is hard to describe. Sometimes, DH will discover a purchase I have 'allowed' (my 17 year old has a bank card which I put money on) and get very angry. As these are often amounts like under 30/40 pounds I don't confer with him (if they request something more expensive like over 70 pounds or a big gift, I always discuss). None of the spending I allow causes us any financial difficulty and we have never been in debt.

Recently, my DD17 went to London and to a concert to Wembley. We live overseas so we paid the trip but she stayed free with my mother. DH grumbled about the ticket price (135 pounds) and said it should be a Xmas present. I felt it was part of the normal teenage experience to go and didn't agree it should be part of a Xmas present. She went, was euphoric about it, and has asked my permission to buy a souvenir. I OKed it in principle, without checking the prices. In the end she bought two (overpriced) T shirts (that she absolutely loves) but I would have limited her to one - she made the decision alone and I chose not to confront her afterwards but let it go.

My husband saw her wear the second T shirt (he was ok on seeing the first one) and then asked how much they had cost (he guessed over 25 pounds, which was true). My mother was with us and told me that it was a rip off and waste of money and my daughter stormed off.

My husband got very angry saying I am excluding him from the family. I did not get fight back, stayed quiet and said to both him and my mum that I am struggling with how much freedom to allow them and tend to err on the side of being generous. My mum said she thinks I buy them too much. I discussed with him and asked for a rule for how much we need to agree together before we authorise they spend, he suggested 10 pounds. I told him this is really nothing these days, but agreed to it reluctantly.

I love him very much but I am struggling with how to deal with this. I don't think 10 pounds is an amount to discuss in our situation. However, I do want the kids to get some idea of the value of money, which they obviously don't have right now and live in a bubble. My expectation this will come with time when they have their own limited income and learn to make decisions based on that.

I am wondering if I am making a mistake and should put more limits on them?

Sorry for the long story! If you read this far, thank you.

OP posts:
FinancialPerspectiveNeeded · 30/07/2025 11:48

Rattyandtoad · 30/07/2025 11:47

One of the blessings of being a parent is that you are able to give your kids things you didn't have. Obviously there's a line between that and spoiling them but honestly life is too short not to use the money you have to have fun with your kids and give them experiences and things they enjoy.

Yes, this is the fine line I struggle with!

OP posts:
needtostopnamechanging · 30/07/2025 11:49

The eldest should have an allowance and it’s up to her to manage that not ask you for gifts the whole time - she needs to learn financial control herself with you as a safety net

snd the ticket would have been a present eg for birthday in our house

and within that allowance it is utterly up to her

AuntMarch · 30/07/2025 11:51

FinancialPerspectiveNeeded · 30/07/2025 11:34

I think we have to move towards this model. I don't know what is an appropriate amount per month though. It is hard to separate money for going out to eat with friends/concerts/holidays/clothes. I don't want to overly 'limit' her experiences when we don't have any money issues as such.

I'd replace clothes grown out of separately to allowance, and give an extra "holiday allowance" for family trips so that wouldn't be included. They could of course save more towards holidays if they wanted.

Clothes they just want (including band shirts) would be theirs to cover, as would any social spending. An allowance is basically fun money, and a lesson in budgeting that.
What the allowance is, should be agreed with you and hour husband. Look at it weekly when deciding, but deposit it monthly to help the budgeting lesson.

We didn't have much growing up really but I was given bus fare and dinner money at the start of the week. I could choose to cycle and make sandwiches instead and save it. I think that served me well!

persisted · 30/07/2025 11:52

The problem is that there is no consistency. If there is constant negotiation they don't have the information to make any kind of decision because they don't know if the answer is going to yes or no if they have to ask.

Apart from anything else it must be annoying for all of you, let them own it and make their decisions. Then they get to live with the consequences and start learning the benefits of saving.

Be clear about what is included is that allowance, and stand firm that there will be no more if its gone.

FinancialPerspectiveNeeded · 30/07/2025 11:55

persisted · 30/07/2025 11:52

The problem is that there is no consistency. If there is constant negotiation they don't have the information to make any kind of decision because they don't know if the answer is going to yes or no if they have to ask.

Apart from anything else it must be annoying for all of you, let them own it and make their decisions. Then they get to live with the consequences and start learning the benefits of saving.

Be clear about what is included is that allowance, and stand firm that there will be no more if its gone.

I agree with you. I struggle with consistency and wanting to please them.

I was operating on the idea that they would become 'like me' and just naturally limit themselves. I was a natural saver from a young age as was my husband. I think there were far fewer temptations though.

It feels innate in me. I won't become a big spender even if I now "could" because it just would not feel right.

OP posts:
FinancialPerspectiveNeeded · 30/07/2025 11:59

Thanks for all the replies!

OP posts:
TaborlinTheGreat · 30/07/2025 12:00

Giving them a fixed allowance doesn't mean you absolutely can't spontaneously decide to spoil them occasionally (in agreement with your dh) - it just means that those one-off treats are special and unexpected, rather than a regular and potentially bottomless top-up fund which they take for granted (even if they are polite and grateful for it).

ARichtGoodDram · 30/07/2025 12:00

The issue isn't the two T-shirts as such. It's the fact that she can buy two shirts without any worries about running out of money because she has no budget.

One of mine was at a concert recently and bought three T-shirts, a mug and a hat. They spent, imo, a ridiculous amount of money. However, they saved before and after the concert by walking instead of getting the bus to a twice weekly club, and by skipping a monthly cinema trip. They budgeted for it and now have decided that at future concerts extra merchandise isn't worth the walking, but skipping the cinema trip is.

Young people need to be given the opportunity to make bad choices in money while they have the back up of those bad choices not being life essential.

ZiggyPlaysGuitarrr · 30/07/2025 12:00

Agree with others. Mine are younger, 9 and 12, but they get monthly pocket money transferred into their bank accounts, they both have debit cards. The youngest gets £12, the oldest gets £15.

I buy toiletries and other essentials, and clothes to replace outgrown ones from standard high street shops (Next, H&M). The eldest is starting to get more particular about specific Nike joggers and trainers, etc. We've told him they have to either wait for Christmas or his birthday or he save and pay towards them.

If we go on a big day out, such as a zoo or them park, or the eldest goes out with friends, they generally get an extra £20 or so. This typically happens about once a month. I only do it like this because the eldest spends most of his pocket money on Robucks/V Bucks and I want to limit the spending on those. If he reins in the gaming spending and starts going out with friends more then I will increase the monthly amount and stop the top ups.

The youngest spends her money on art and craft bits mainly.

WatchingReacher · 30/07/2025 12:02

My 17 year old gets £20 a week to cover basic spends (makeup, food at college if she doesn't bother to make her own lunch, going out). I give her extra for big clothing/shoe purchases). She also works and earns about £50 a week which she can spend however she likes (although she saves most of it). I would probably buy her the odd concert ticket, but merch would be her money.

OffToSeaInABlizzard · 30/07/2025 12:10

It all sounds pretty depressing at the moment in your household.

Your daughters seem to be growing up under a regime where any purchase requires pleading and subsequent guilt tripping.

And you should be treating the elder differently to the younger.

Firstly that £10 agreement is utterly nonsensical and bordering on cruel.

At 13 your younger daughter should probably have weekly pocket money for anything non school related. But obviously it’s up to her parents to buy all necessary clothes or other things she needs.

Your 17 year old should have progressed to a monthly allowance - which should be more or less generous depending on the ease or desirability of her getting a part time job. (It may not be the thing where you are.) The allowance (combined with any other income) should be enough for her to interact and socialise and experience the world without too much stress and worry. No one should be using money to control or punish or make up for their own childhood traumas.

Presumably the 17 year old will be going to university next year? Does your husband understand that 18 year olds are adults who are free to spend their money as they see fit? And does he understand that his horribly miserable attitude is likely to drive your daughters away?

Epidote · 30/07/2025 12:11

No more top ups. Monthly or weekly allowance. They can save it or spend it. Whatever you both decide will be the allowance. A tenner a week or 50 pounds whatever the parents agreed and that will be all.
Money doesn't grow in trees and it is time to close the bank of mummy.
That way they will understand to budget and get priorities on purchases etc, specially the youngest. Your older should know by now.
Special purchase like concerts of trip will be discussed and in an agreement.
I can see both points of view but I would do the above.

Flopsythebunny · 30/07/2025 12:14

Once my daughters got to 14, I gave them a monthly allowance. I still paid for their travel pass, necessary toiletries, school clothing and shoes, winter coats, underwear etc. Their allowance covered wants, not needs. Things like going to the cinema with friends or going out for a burger, clothing that they wanted rather than needed, makeup etc. They soon learned how to save and budget.

PigletSanders · 30/07/2025 12:15

Of course the 17yo hasn’t ’got it’ yet, she’s never had to work, never had to budget, she can spend as she sees fit and you just top her up.

luckylavender · 30/07/2025 12:16

I think from reading it that he may be right. You seem to make all the decisions & exclude him. Your girls are also a little on the spoiled side.

FinancialPerspectiveNeeded · 30/07/2025 12:18

luckylavender · 30/07/2025 12:16

I think from reading it that he may be right. You seem to make all the decisions & exclude him. Your girls are also a little on the spoiled side.

I take your point.

OP posts:
DextrousCT · 30/07/2025 12:18

They should both have allowances. I started mine at a very young age so I was able to say you get the same amount as your age each week. I had the right to try to talk them out of a purchase for temporary gratification, but promised they could spend how they chose, but only on toys and objects. It didn't take them long to realize if they wanted something beyond their allowance, it would take x weeks to get it, also getting them used to delay gratification. No loans were available from us, so if they did not already have the money, they could not spend it. I told them food and clothing was our responsibilities as parents, and would not go out for coffee as we could make better cheaper at home.

One addition I made was to start savings accounts for them. I explained (U.S.) employers match your retirement contribution, and I would do the same. Any money they put away (minimum $10) would be matched by us, provided it was saved and not spent. Of course the ant-minded child tried hard to get as much as he could from us, and the grasshopper child wanted the toy now. But we had monthly meetings where I would show them how their savings had grown, and it really influenced their mindset on needing to accumulate money in a slow and steady way. I also opened brokerage accounts and encouraged tying up their money and watching it grow.

I also undercut marketing every time I could, for example pointing out how candy was available at the checkout register specifically to force their minds to buy the item. We talked about many times we could eat ice cream if we paid for it from the supermarket, vs. getting only two treats for the same money from the ice cream truck. I told them companies should be paying us to advertise them if they wanted us to walk around with their name on our clothing, and refused to buy clothing with branding. (When I was young, t shirts were plain or patterned but had no text. I remember when this started sometime in the late 70s). This discourse really helped inoculate them against peer pressure and brain washing. It helped them think critically, which of course made me have to justify other decisions to them as they grew older!

FinancialPerspectiveNeeded · 30/07/2025 12:18

PigletSanders · 30/07/2025 12:15

Of course the 17yo hasn’t ’got it’ yet, she’s never had to work, never had to budget, she can spend as she sees fit and you just top her up.

Yes, it's time to change things.

OP posts:
FinancialPerspectiveNeeded · 30/07/2025 12:19

DextrousCT · 30/07/2025 12:18

They should both have allowances. I started mine at a very young age so I was able to say you get the same amount as your age each week. I had the right to try to talk them out of a purchase for temporary gratification, but promised they could spend how they chose, but only on toys and objects. It didn't take them long to realize if they wanted something beyond their allowance, it would take x weeks to get it, also getting them used to delay gratification. No loans were available from us, so if they did not already have the money, they could not spend it. I told them food and clothing was our responsibilities as parents, and would not go out for coffee as we could make better cheaper at home.

One addition I made was to start savings accounts for them. I explained (U.S.) employers match your retirement contribution, and I would do the same. Any money they put away (minimum $10) would be matched by us, provided it was saved and not spent. Of course the ant-minded child tried hard to get as much as he could from us, and the grasshopper child wanted the toy now. But we had monthly meetings where I would show them how their savings had grown, and it really influenced their mindset on needing to accumulate money in a slow and steady way. I also opened brokerage accounts and encouraged tying up their money and watching it grow.

I also undercut marketing every time I could, for example pointing out how candy was available at the checkout register specifically to force their minds to buy the item. We talked about many times we could eat ice cream if we paid for it from the supermarket, vs. getting only two treats for the same money from the ice cream truck. I told them companies should be paying us to advertise them if they wanted us to walk around with their name on our clothing, and refused to buy clothing with branding. (When I was young, t shirts were plain or patterned but had no text. I remember when this started sometime in the late 70s). This discourse really helped inoculate them against peer pressure and brain washing. It helped them think critically, which of course made me have to justify other decisions to them as they grew older!

This sounds like a clever way of going about it

OP posts:
Themomentsheknewshefkedup · 30/07/2025 12:20

This is hugely controlling op!

Squishymallows · 30/07/2025 12:22

SomeOfTheTrouble · 30/07/2025 11:42

It sounds like at the moment they’re basically getting whatever they want, knowing you’ll replace the money when they run out. I can see why your DH finds this frustrating.

This!

you have a really odd way of doing it. Give them an allowance and let them spend it on what they choose and when it’s gone it’s gone

FinancialPerspectiveNeeded · 30/07/2025 12:24

Themomentsheknewshefkedup · 30/07/2025 12:20

This is hugely controlling op!

Which bit in particular is hugely controlling? I let them make many decisions alone, using their bank cards. Where I am falling down is not putting limits on how much they have over time and making them delay gratification.

The 10 pound permission scheme won't be implemented, we'll discuss and implement some of the ideas on this thread.

OP posts:
mondaytosunday · 30/07/2025 12:24

For a 16/17 year old £50/month seems reasonable. Enough to go out with mates a few times, and saving up if more expensive item. I’d also encourage a part time job or babysitting for extra cash. Not having a limit means they can’t budget, and it also means you hold veto power, which is not teaching them anything.
Whatever the amount, it’s theirs and you nor your DH should comment on what she’s spent it on.
If she going to uni soon they will have to learn to budget pretty quick, so best to start them now.

FinancialPerspectiveNeeded · 30/07/2025 12:25

mondaytosunday · 30/07/2025 12:24

For a 16/17 year old £50/month seems reasonable. Enough to go out with mates a few times, and saving up if more expensive item. I’d also encourage a part time job or babysitting for extra cash. Not having a limit means they can’t budget, and it also means you hold veto power, which is not teaching them anything.
Whatever the amount, it’s theirs and you nor your DH should comment on what she’s spent it on.
If she going to uni soon they will have to learn to budget pretty quick, so best to start them now.

Thank you

OP posts:
Blimeyblighty · 30/07/2025 12:27

I also have 17 and 13 year old daughters.

I really agree with the other posters, I do think this is handling things wrong. They both need an allowance and there need to be clear boundaries - you will have to not buy them the new bikini they want when they’ve already burnt through their entire allowance in Hollister that month…

I know this is tricky, I grew up without being given much & I like to give my girls things, but at the moment your 17 year old has no need to even think twice about her spending priorities etc.

we give our 17yo £60 a month, pay for her train pass to college & her mobile phone. If she asks me for general toiletries I will get them in my supermarket shop. I pick things up in the charity shop for her occasionally and if she’s with me on a shopping trip I might buy her some bits. She went to London for a few days for work experience & I gave her an extra £30 for tube fares & lunches… but she is a hard worker and generally earns about £300 a month, which she is partly saving for a gap year & partly splashing on clothes mostly!