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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:
latetothefisting · 30/07/2025 12:29

FinancialPerspectiveNeeded · 30/07/2025 11:55

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.

Edited

Why would you assume that?
Are they exactly like you in every other way?
And even if they were you grew up in different circumstances and different times which will obviously affect them.

Me and my siblings have drastically different attitudes to money despite having the same parents and being brought up the same way.

You absolutely need to give the older one (both of them really) control over their own spending. A part time job would also be useful. In a year she could be at uni or working full time with absolutely no experience of budgeting she will probably rinse her first student loan payment or pay cheque.

Your dh probably does need a bit of a shock about how much things cost in 2025 though if he wants approval of all spends over £10. That barely covers McDonald's these days!

Ask him how much he thinks a "cheap" evening out with mates (i.e. cinema ticket, bus ticket and somewhere like nandos), or a pair of trainers.

Also why is your mum getting involved in how much your dd spent on a t shirt?

PigletSanders · 30/07/2025 12:29

How much, on average, has the 17yo been having in a month @FinancialPerspectiveNeeded ?

Cakeandcardio · 30/07/2025 12:29

I think it would be reasonable to give an allowance. At 17 I don't think you should be checking her bank and seeing what she spends on. That it too controlling.

OffToSeaInABlizzard · 30/07/2025 12:38

Interesting that most posts aren’t addressing the father’s awful attitude to familial spending.

I get that he grew up in difficult circumstances - perhaps he should consider a course of therapy to talk it through? At the moment - I’m sorry, @FinancialPerspectiveNeeded, but your daughters might not look back on their teens as being a happy time if he carries on like this.

Everything costs money, and teenagers should be able to socialise, relax, and explore their world without feeling guilty for every step they take. We all have to cut our cloth - but parents should be showing children how to do that with grace, not constant shock and recrimination.

FinancialPerspectiveNeeded · 30/07/2025 12:38

latetothefisting · 30/07/2025 12:29

Why would you assume that?
Are they exactly like you in every other way?
And even if they were you grew up in different circumstances and different times which will obviously affect them.

Me and my siblings have drastically different attitudes to money despite having the same parents and being brought up the same way.

You absolutely need to give the older one (both of them really) control over their own spending. A part time job would also be useful. In a year she could be at uni or working full time with absolutely no experience of budgeting she will probably rinse her first student loan payment or pay cheque.

Your dh probably does need a bit of a shock about how much things cost in 2025 though if he wants approval of all spends over £10. That barely covers McDonald's these days!

Ask him how much he thinks a "cheap" evening out with mates (i.e. cinema ticket, bus ticket and somewhere like nandos), or a pair of trainers.

Also why is your mum getting involved in how much your dd spent on a t shirt?

My elder DD is very much like me in other ways - studious, conscientious. She will avoid buying bottled water to save money. When she buys food for lunch if it is in the supermarket, she will choose the 'supermarket' brand as it is cheaper, like I do, if the quality is similar. She wants to study hard and get a good job.

OP posts:
SomeOfTheTrouble · 30/07/2025 12:41

OffToSeaInABlizzard · 30/07/2025 12:38

Interesting that most posts aren’t addressing the father’s awful attitude to familial spending.

I get that he grew up in difficult circumstances - perhaps he should consider a course of therapy to talk it through? At the moment - I’m sorry, @FinancialPerspectiveNeeded, but your daughters might not look back on their teens as being a happy time if he carries on like this.

Everything costs money, and teenagers should be able to socialise, relax, and explore their world without feeling guilty for every step they take. We all have to cut our cloth - but parents should be showing children how to do that with grace, not constant shock and recrimination.

This is true.

Agapornis · 30/07/2025 12:42

Interesting that she says she doesn't want any debt. What's her plan for funding further education (rent & living costs, as I'm aware tuition fees in France are super cheap), or a buying a house? She may have to learn that debt like student loans and mortgages are not a bad thing.

If they want more than a monthly allowance they can get a job (the 17 year old anyway). It'll be better for their future career if they have had a job to show their work ethic.

FinancialPerspectiveNeeded · 30/07/2025 12:42

OffToSeaInABlizzard · 30/07/2025 12:38

Interesting that most posts aren’t addressing the father’s awful attitude to familial spending.

I get that he grew up in difficult circumstances - perhaps he should consider a course of therapy to talk it through? At the moment - I’m sorry, @FinancialPerspectiveNeeded, but your daughters might not look back on their teens as being a happy time if he carries on like this.

Everything costs money, and teenagers should be able to socialise, relax, and explore their world without feeling guilty for every step they take. We all have to cut our cloth - but parents should be showing children how to do that with grace, not constant shock and recrimination.

I agree with you. We have seen a very good family/relationship counsellor in the last year due to other issues and it has helped, but I think we need to go back to her to talk through more stuff, as she was very good. We have come a long way as a couple. I think in general he struggles with undiagnosed anxiety/depression.

OP posts:
FinancialPerspectiveNeeded · 30/07/2025 12:44

Agapornis · 30/07/2025 12:42

Interesting that she says she doesn't want any debt. What's her plan for funding further education (rent & living costs, as I'm aware tuition fees in France are super cheap), or a buying a house? She may have to learn that debt like student loans and mortgages are not a bad thing.

If they want more than a monthly allowance they can get a job (the 17 year old anyway). It'll be better for their future career if they have had a job to show their work ethic.

Edited

We have told them we will fund further education living costs, within reason (ie local not overseas except a year out). She understands that mortgage debt is 'normal' but does not want credit card debt for example.

OP posts:
Iwrotesomething · 30/07/2025 12:49

It's also beyond just having an allowance, but taking responsibility. DD had an allowance from about the age of 12, but from 16 got all the child benefit, but on the basis that she had to buy all clothes except school uniform (and bras, because she inherited her bust from me and it's an expensive habit...)

I also think that the older girl should have had some pressure to do some paid work by now. At that age DD had done some babysitting and informal child care, and was just 18 when she got a shop job (many of her peers had had a Saturday job for a while, so I think of us as being a bit lax).

mamagogo1 · 30/07/2025 12:49

The key in my experience is to give them an allowance and let them decide on how to spend it. Expensive concert tickets not a family outing would be part of a gift in my household (I’m guessing similar disposable income) or one year they each got to choose a specific thing they wanted to do as an additional treat. By giving an allowance they learn to make choices

Agapornis · 30/07/2025 12:50

I think you'll need to define a living cost amount before she goes off to uni. Can you imagine her telling her friends she needs to text her mum to get money before going out for a night 😅

I hope local means all of France? How about just across the border in Belgium, Spain, Switzerland or Italy if they offer what she wants to study? Loosen the apron strings a bit :)

I was (am) a saver too so didn't need extra cash, but my parents rightly got me to do babysitting and a Saturday job.

mamagogo1 · 30/07/2025 12:52

I do think your dh has a point too, two t shirts is very extravagant (I refuse to buy any gig t shirts!)

Soontobe60 · 30/07/2025 12:57

FinancialPerspectiveNeeded · 30/07/2025 11:32

Hello, thanks for the replies. I don't give a fixed allowance, I give her a bank card and top it up. She makes her own decisions what to spend on. I have visibility of it as well. But I don't restrict the top up to a certain amount per month.

Here lies the issue then. Basically she can ask for anything at any cost and she may or may not get it - which is what your DH is annoyed about I assume. Where is she learning about the value of money, about the need to earn money to buy luxuries (make up, concert tickets, band t shirts etc are all luxuries), about how to save? You’re doing her no favours here. Plus, you’re being sneaky behind DHs back knowing he wouldn’t agree with you.
Each child should receive an allowance to cover basics, and huge purchases like the big ticket should be a birthday or Christmas present. If they want something expensive, they save up or in the case of the older child, get a part time job.

MrsBennetsPoorNerves · 30/07/2025 12:59

My dd had a longstanding friend at 17 whose parents managed money in a similar way to how you do it, OP. It used to drive dd crazy as she felt that her friend had no sense of the value of money because she simply hadn't ever had to budget.

I'm glad that you're taking on board some of the suggestions about allowances etc. Kids need to learn to manage their own limited resources in order to understand that they sometimes have to make choices about what's most important to them.

Your daughters will thank you for giving them proper life skills in the longer term.

PaintP0tsColours · 30/07/2025 12:59

I recently went to a music concert
I bought 1x t-shirt £45
I will wear it for many years

I recommend that your 17 year old gets a PT job
So that they can
Have their own bank account
Save some money
Spend some money

allthemiddlechildrenoftheworld · 30/07/2025 13:02

@FinancialPerspectiveNeeded well a tenner doesnt cover much!!! barely get 2 mcdonalds meals for that. a 17 year old girl will always be a lot more expensive than a 17 year old boy. make up is not cheap, toiletries are never cheap. clothes, for a girl, will be a constant purchase and they dont want a pair of trackies. even going to primark, you still need to give her a decent amount of money. band shirts are always quite expensive. you have to go with the flow and they will, as they get older, find their feet regarding being financially savvy. just give them a chance.

SomeOfTheTrouble · 30/07/2025 13:03

allthemiddlechildrenoftheworld · 30/07/2025 13:02

@FinancialPerspectiveNeeded well a tenner doesnt cover much!!! barely get 2 mcdonalds meals for that. a 17 year old girl will always be a lot more expensive than a 17 year old boy. make up is not cheap, toiletries are never cheap. clothes, for a girl, will be a constant purchase and they dont want a pair of trackies. even going to primark, you still need to give her a decent amount of money. band shirts are always quite expensive. you have to go with the flow and they will, as they get older, find their feet regarding being financially savvy. just give them a chance.

Of course not all 17 year old girls are bothered about make up or expensive clothing.

dogcatkitten · 30/07/2025 13:03

FinancialPerspectiveNeeded · 30/07/2025 11:32

Hello, thanks for the replies. I don't give a fixed allowance, I give her a bank card and top it up. She makes her own decisions what to spend on. I have visibility of it as well. But I don't restrict the top up to a certain amount per month.

It shouldn't be 'restrict', it's giving an amount that is enough for her personal expenditure, that she can spend on little things or save up for big things. How much you think is reasonable depends on your income and how much you think is reasonable. Obviously you can give her more for something really special if you want to. Just top up the bank card with the same amount each month, but at 17 she should have a proper bank account she can use as well.

Nanny0gg · 30/07/2025 13:04

FinancialPerspectiveNeeded · 30/07/2025 11:38

I don't evaluate every purchase. They come to me when it is bigger stuff as they know I operate on a 'top up' model. Maybe the solution is to say, no more top ups.

She needs to get a Saturday job

You need to agree an allowance

Tell her that, say. 1/3 needs to go to savings and then it's up to her.

I was working full time at her age and had agreed the savings
The rest was up to me

FinancialPerspectiveNeeded · 30/07/2025 13:06

PigletSanders · 30/07/2025 12:29

How much, on average, has the 17yo been having in a month @FinancialPerspectiveNeeded ?

Edited

I think she has spent about about 100 a month on clothes/make-up/going out. So, generous and I think in some cases more than her peers, because I felt we could afford to be generous in our current situation, which is not precarious.

OP posts:
Rivertrudge · 30/07/2025 13:07

JWR · 30/07/2025 11:27

Umm, I think you’re both madly controlling! The 17 year old should have a decent allowance to buy certain things e.g. make up, non basic clothes(can be topped up by a part-time job if that is possible where you live). What she does with that is then up to her. If she blows it all on band t shirts then she might have to wait to buy the expensive mascara. It’s part of learning budgeting and money management IMO.

Totally agree with this. Your DDs need to learn about budgeting and saving for what they want, and the only way that will happen is if they manage their own finances. If you’re not careful they will become spoilt and demanding because they’ll know you will always bail them out.

Buy their basic clothing, and give them an allowance (agreed with your DH) and leave it up to them how they spend it. If that means they can’t always afford everything they want, tough - that’s life.

Other than the allowance, I would only ever give them extra on very special occasions such as birthday or Christmas. That’s not to say I wouldn't sometimes give them a spontaneous small gift, but it would be my choice and not something they’d asked for.

FinancialPerspectiveNeeded · 30/07/2025 13:08

dogcatkitten · 30/07/2025 13:03

It shouldn't be 'restrict', it's giving an amount that is enough for her personal expenditure, that she can spend on little things or save up for big things. How much you think is reasonable depends on your income and how much you think is reasonable. Obviously you can give her more for something really special if you want to. Just top up the bank card with the same amount each month, but at 17 she should have a proper bank account she can use as well.

She has her own bank account with her name on it - I have a visibility on it as she is under 18 and that's how the bank works here, but I don't comment on her spending day to day. She will come to me to discuss larger items and often use the balance or I will top it up to cover that item. But I have not kept track of top ups in a strict way.

OP posts:
Donotgogentle · 30/07/2025 13:09

We give an allowance of £40 per week for our 17 year old, paid weekly after chores done.

On top of that we pay for trainers/shoes/coats. Other clothes - it depends and has to be agreed in advance. If it’s non- essential items like a band t-shirt they’d be expected to pay out of their allowance. If it’s replacing worn out/out grown items we pay.

I think agreeing a reasonable allowance is helpful to everyone.

Minnie798 · 30/07/2025 13:10

It all sounds a bit miserable. What was the point of your dh doing well in a career, working hard to have no mortgage and savings, if not to give your dc's a better child hood than he had? Instead, he's acting like being able to buy nice things is doing something wrong, calling teen girls wanting makeup and clothes wasteful.
Maybe give dc's a set amount of spending money for future social events and then they know what they have available to spend. What they then choose to buy with it is up to them.
I think your dh is being a bit 'tight'.

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