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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:
Whistlingformysupper · 30/07/2025 13:41

FinancialPerspectiveNeeded · 30/07/2025 13:35

The coat was 200 euros, but a nice quality and will last, the shoes were adidas and about 140 euros (but now worn every day over a year), another pair Birkenstock for 85 euros and the bag was about 350 euros (given at Christmas).

My husband felt she should have taken M&S style sandals not Birkenstock. I agree on principal but my daughter would melt down at the idea...

You are spoiling her.

She should not be bought EVERY branded item she demands, how will she ever learn a pair of £35 sandals without the word birkenstock printed on them are actually pretty much the same?

It sounds like you take her completely at her word when she tells you 'everyone else' has something and she uses this a bit as knows it hits a raw nerve with you.

But I can guarantee her friends will NOT all be being bought 3x concert tickets a year, all this branded gear, without having to have it for Christmas /birthday.

What do you think christmas /birthday are for if not for these higher value treats?!
I bet you spoil her even more at Christmas with latest iphone/tech etc.

If the concerts mean so much to her she'll happily have the tickets as her birthday present. And yes a £120 ticket + associated travel should be the only birthday present from you, not just an extra!!

ShanghaiDiva · 30/07/2025 13:42

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.

This. Learning how to manage money, including wasting it and regretting it, is an important life skill.

SomeOfTheTrouble · 30/07/2025 13:43

FinancialPerspectiveNeeded · 30/07/2025 13:35

The coat was 200 euros, but a nice quality and will last, the shoes were adidas and about 140 euros (but now worn every day over a year), another pair Birkenstock for 85 euros and the bag was about 350 euros (given at Christmas).

My husband felt she should have taken M&S style sandals not Birkenstock. I agree on principal but my daughter would melt down at the idea...

If she gets bought these things as standard, what does she consider to be a ‘treat’?

FinancialPerspectiveNeeded · 30/07/2025 13:44

Whistlingformysupper · 30/07/2025 13:41

You are spoiling her.

She should not be bought EVERY branded item she demands, how will she ever learn a pair of £35 sandals without the word birkenstock printed on them are actually pretty much the same?

It sounds like you take her completely at her word when she tells you 'everyone else' has something and she uses this a bit as knows it hits a raw nerve with you.

But I can guarantee her friends will NOT all be being bought 3x concert tickets a year, all this branded gear, without having to have it for Christmas /birthday.

What do you think christmas /birthday are for if not for these higher value treats?!
I bet you spoil her even more at Christmas with latest iphone/tech etc.

If the concerts mean so much to her she'll happily have the tickets as her birthday present. And yes a £120 ticket + associated travel should be the only birthday present from you, not just an extra!!

Her iphone is an old one bought reconditioned and hasn't been changed for 4 years. For branded items, I focussed on only 2 pairs of shoes, 1 coat and 1 bag. She has high street stuff for the rest. The bag was Christmas present.

OP posts:
Radioundermypillow · 30/07/2025 13:47

Ok so you are doing your best to wave all this away.

Your issue is that you sound spoiling and your dh sounds like a miser. Im not sure your dds are going to grow up with a sensible view of money anyway, particularly if it is a source of tension between you and dh.

FinancialPerspectiveNeeded · 30/07/2025 13:47

When I was her age, my parents paid for me to have a road trip in the US for 6 weeks with my sister. She was working there at the time and had a car. They gave me spending money and bought the flights. It must have cost over 1000 pounds, back then. They saw that as an investment in me broadening my horizons. They could afford it. We camped, stayed in hostels and had a great experience. I was not told to save up or budget for it.

OP posts:
FinancialPerspectiveNeeded · 30/07/2025 13:48

Radioundermypillow · 30/07/2025 13:47

Ok so you are doing your best to wave all this away.

Your issue is that you sound spoiling and your dh sounds like a miser. Im not sure your dds are going to grow up with a sensible view of money anyway, particularly if it is a source of tension between you and dh.

Yes, there are clearly issues. We need to work this out together. Thanks for the perspectives.

OP posts:
babybythesea · 30/07/2025 13:53

I have a 16 year old. She gets £50 monthly.

I buy basic toiletries (shampoo, conditioner, body wash etc). Anything over and above or expensively fancy, she buys.
I replace clothes she has grown out of, shoes when they are falling apart etc. I ensure she has, for example, a swimming costume, a couple of pairs of jeans, a couple of pairs of shorts, a few sweaters - a decent but fairly basic wardrobe. Anything beyond that, she buys.
I give her a bit extra when we are on holiday.

She pays for cinema tickets and popcorn etc for herself, unless we are going together or she’s taking her younger sister. Then I pay for them.
I’ve just paid for a new school bag because hers has fallen apart- if it was just that she fancied a new one she would have paid.

I do essentials/basics - she does the rest.

She works when she can and saves the money. I don’t get involved in her spending - she doesn’t have to run anything past me. But she also knows that she doesn’t want to be out with friends and have no money left so she’s learnt to budget accordingly.

I occasionally randomly treat her, if she sees something when we’re out and clearly loves it. But I don’t always, she doesn’t expect it and is always so happy when I do.
It works for us.

SomeOfTheTrouble · 30/07/2025 13:54

FinancialPerspectiveNeeded · 30/07/2025 13:47

When I was her age, my parents paid for me to have a road trip in the US for 6 weeks with my sister. She was working there at the time and had a car. They gave me spending money and bought the flights. It must have cost over 1000 pounds, back then. They saw that as an investment in me broadening my horizons. They could afford it. We camped, stayed in hostels and had a great experience. I was not told to save up or budget for it.

That sounds like a wonderful experience. Do you think gigs and band t-shirts fall under the same umbrella?
Ultimately it’s up to you and your DH to decide what is reasonable. At the moment your views are poles apart, and that needs addressing. I personally don’t think you’re doing them any favours by basically allowing them to spend whatever they want, but in reality it’s none of my business and it’s a parenting decision for you and your DH to make. It’s going to take some compromise.

Meadowfinch · 30/07/2025 13:56

My 17yo has a bank card and an allowance, agreed between me & his dad. Once ds has spent his money, it's gone. He has to budget accordingly.

If he wanted a trip that cost £200, that would be a birthday or Christmas present.

But I'm a single mum facing University bills so I budget too. I don't get to go on £200 outings.

I certainly think you need to teach your DCs to budget or they're unlikely to manage their money well later on.

Agapornis · 30/07/2025 13:57

FinancialPerspectiveNeeded · 30/07/2025 13:47

When I was her age, my parents paid for me to have a road trip in the US for 6 weeks with my sister. She was working there at the time and had a car. They gave me spending money and bought the flights. It must have cost over 1000 pounds, back then. They saw that as an investment in me broadening my horizons. They could afford it. We camped, stayed in hostels and had a great experience. I was not told to save up or budget for it.

That's surely not the same as what she's getting - it was a one-off, memorable experience on a fairly budget option (camps & hostels). I'd say £1000 for a whole summer holiday of entertainment is pretty cheap, even 30 years ago.

Surely you wouldn't argue that Birkenstocks, Adidas, North Face, Canada Goose, bags etc are memorable bonding experiences broadening her horizons?

I love my Birkenstocks but wear them until they've worn out, not for a fashion season.

JustMyView13 · 30/07/2025 14:13

17yr old needs a part time job to fund her shopping / gigs etc. fine to treat your children, but I’m not sure why she doesn’t have a job.

DiscontinuedModelHusband · 30/07/2025 14:19

so your DH doesn't like dealing with his own finances, but is happy enough to have an opinion about other peoples'?

ours (teenagers) started at £8 a week at around 10 yrs of age, then gradually increased to £15 a week as teenagers,

we felt this was enough to cover meals out with their friends, the cinema, bowling etc, but only enough to do this once every week or two, so they'd have to decide what was important and when.

birthday money was then used for clothes/video games etc, unless they decided to save pocket money.

£10 buys you virtually nothing now - so that effectively means every purchase they make will likely need dad's approval. that's not reasonable or sustainable.

it also robs your daughters of any personal responsibility.

FinancialPerspectiveNeeded · 30/07/2025 14:21

Agapornis · 30/07/2025 13:57

That's surely not the same as what she's getting - it was a one-off, memorable experience on a fairly budget option (camps & hostels). I'd say £1000 for a whole summer holiday of entertainment is pretty cheap, even 30 years ago.

Surely you wouldn't argue that Birkenstocks, Adidas, North Face, Canada Goose, bags etc are memorable bonding experiences broadening her horizons?

I love my Birkenstocks but wear them until they've worn out, not for a fashion season.

No they are not. I was talking about the travel to London and the concerts

The branded stuff is limited to 4 or 5 items she has often waited for. In the case of the jacket she had seen it and wanted it for years. When I found out she had been wanting it and how important it was to her I went out and got it because we could afford it and she didnt have a decent jacket anyway. She didn’t expect me to get it. Until then she had high street stuff. I just dont see this as spoiling. Her Dad was fine with the jacket.

His objections seem to crop up randomly and I don't always understand the trigger.

On this particular occasion he got angry an hour before we were due to leave without him for a trip for a week with my family (agreed months earlier). Suddenly as we are eating lunch and nearly ready to go he reacts about the Gig T shirt.

So the issue is something deeper I think and related to rejection/abandonment. Which is why I mentioned his family history. He was also moved school every 3 years due ot his Dad's job and lost all his friends. His Dad reaped the financial benefits of the job and the kids and my MIL paid the price of losing social contacts.

Anyway, the week trip went ahead as planned. I kept my response measured. He calmed down later. But my DD17 was upset by it and I really dont want them to become distant over money. He wrote her some text messages after to reassure her. But in the moment he can react in a very unpredictable way and spoil the mood.

OP posts:
Minnie798 · 30/07/2025 14:21

FinancialPerspectiveNeeded · 30/07/2025 13:23

I have a question regarding fitting in/brands. The branded stuff often costs a lot more, obviously. I find it an emotionally charged issue. The kids at school apparently have certain brands and my DD wants to be seen as fitting in. She deeply wants to feel accepted and I understand how important that it at her age. I think this will fade later and I am not concerned about it.

This last few years, I got her certain items (eg "the jacket/shoes/bag" that were more expensive (not unaffordably so) without making this part of any limited allowance. How do others manage this? If their child can't afford the particular branded item from an allowance, that seems emotionally very important, and the child request extra in order to buy it, do parents still say no to it and see their child feel left out? Even if this is just a phase to make them feel more secure and you know it will pass.

So, I wouldn't expect clothes to be bought from an allowance.
If my dependent dc needed a new hoodie ( for example) , we'd pop to JD to get one. But if he 'wanted' a hoodie that was £200 plus, that would be a birthday or christmas present.

FinancialPerspectiveNeeded · 30/07/2025 14:24

DiscontinuedModelHusband · 30/07/2025 14:19

so your DH doesn't like dealing with his own finances, but is happy enough to have an opinion about other peoples'?

ours (teenagers) started at £8 a week at around 10 yrs of age, then gradually increased to £15 a week as teenagers,

we felt this was enough to cover meals out with their friends, the cinema, bowling etc, but only enough to do this once every week or two, so they'd have to decide what was important and when.

birthday money was then used for clothes/video games etc, unless they decided to save pocket money.

£10 buys you virtually nothing now - so that effectively means every purchase they make will likely need dad's approval. that's not reasonable or sustainable.

it also robs your daughters of any personal responsibility.

He does not want like dealing witj spending money generally. If I send him to the supermarket he will go to ALDI. When I have shown him renovation budgets for the house he has said he doesn't want to know. Yet he willingly puts all his salary into the account a d lets me pay those bils, even big ones. In doing so he avoid feeling the discomfort.

OP posts:
Radioundermypillow · 30/07/2025 14:27

Nothing wrong with ALDI but he sounds a bit immature in his approach to money.

FinancialPerspectiveNeeded · 30/07/2025 14:30

And before anyone tells me he needs therapy, of course I agree he does. But I can't make another person want to have therapy. I think he needs individual therapy. The most I have managed is getting him to accompany me to relationship counselling which went well. I try to listen as well as I can to his troubles with his parents but I am not a qualified or skilled therapist. I won't leave him over these episodes. I understand he is hurting. So we need to find other solutions as a couple. There have been. Some good suggestions on here.

OP posts:
babybythesea · 30/07/2025 14:31

FinancialPerspectiveNeeded · 30/07/2025 13:23

I have a question regarding fitting in/brands. The branded stuff often costs a lot more, obviously. I find it an emotionally charged issue. The kids at school apparently have certain brands and my DD wants to be seen as fitting in. She deeply wants to feel accepted and I understand how important that it at her age. I think this will fade later and I am not concerned about it.

This last few years, I got her certain items (eg "the jacket/shoes/bag" that were more expensive (not unaffordably so) without making this part of any limited allowance. How do others manage this? If their child can't afford the particular branded item from an allowance, that seems emotionally very important, and the child request extra in order to buy it, do parents still say no to it and see their child feel left out? Even if this is just a phase to make them feel more secure and you know it will pass.

If my 16yo needed a new thing (eg her hoodie had fallen apart or was really old and no longer wearable) then I’d replace it. If only the branded one was acceptable to her, then I’d put in some of the cost (the cost of a normal good hoodie) and she would be expected to pay the rest. If she couldn’t afford it, she goes without or gets a non-branded one.
If it’s just because it’s branded and she wants it but doesn’t need it, she’d pay. This is why you save - so you can get things you really want.
Or she’d ask for it as a birthday/Christmas present.

She wouldn’t just get given it so she could look the same as her friends.

To be fair, among her group of friends, getting things as cheap as possible is the fashion. Vinted is her new best friend and she both buys (and finds some great bargains) and sells.

She bought her prom dress on Vinted. For £12! She bought 3, tried them on, kept her favourite and resold the other two. She’s a very canny young lady!

Wetcappuccino · 30/07/2025 14:32

I think it is beneficial for a 17 year old to have a part time job, then their money is theirs and can spend as they wish. It is also good experience.

FinancialPerspectiveNeeded · 30/07/2025 14:32

babybythesea · 30/07/2025 14:31

If my 16yo needed a new thing (eg her hoodie had fallen apart or was really old and no longer wearable) then I’d replace it. If only the branded one was acceptable to her, then I’d put in some of the cost (the cost of a normal good hoodie) and she would be expected to pay the rest. If she couldn’t afford it, she goes without or gets a non-branded one.
If it’s just because it’s branded and she wants it but doesn’t need it, she’d pay. This is why you save - so you can get things you really want.
Or she’d ask for it as a birthday/Christmas present.

She wouldn’t just get given it so she could look the same as her friends.

To be fair, among her group of friends, getting things as cheap as possible is the fashion. Vinted is her new best friend and she both buys (and finds some great bargains) and sells.

She bought her prom dress on Vinted. For £12! She bought 3, tried them on, kept her favourite and resold the other two. She’s a very canny young lady!

Well done to your daughter!

OP posts:
PaintP0tsColours · 30/07/2025 15:10

To put into perspective

Job seekers allowance in UK

£72.90 per week up to age 24

£92.05 per week age 25 & over

Supposed to spend 30+ hours a week job hunting

A person would need to pay for food, transport, bills, extras

PaintP0tsColours · 30/07/2025 15:17

A PT job is also good to put onto CV

Good to develop soft skills

Time keeping
Develop & Learn new skills
Respect for other people
Boundaries
Communication
Handling money/transactions
Honesty
Budgeting
Generosity
Charity donating
Socialisation

What is your plan when your children reach 18 ?

OneCoralHare · 30/07/2025 15:19

Does your 17 year old have a job? If not, that could be a good way of her having her own money to spend on whatever she wants, learning to budget and also then her Dad might feel better about any other spending .

BumpyaDaisyevna · 30/07/2025 15:23

I think a job would be good. It gives a young person great self esteem. And they learn that yes you have to work, but out of that comes the freedom to spend one’s own earned money.

My Dd has just turned 16 and earns about £20 a week in the pub down the road. We give her and her younger brother £20 a month also. It is busy for her but it has been the making of her and she enjoys the independence it brings her. Neither I nor her father can tell her what to spend her own earned money on, and she likes that.
We don’t generally top up - although if there was something significant as a one off eg a friends birthday, we would give extra if it was reasonable.