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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:
Daisyvodka · 30/07/2025 15:23

The thing is, when you say she will grow out of valuing 'what other people have/branded things'...
Some people naturally do, but a lot of people don't and end up in a lot of debt because of it, and in my experience its always down to teenage years/early adulthood, as some people seem to genuinely think they won't be accepted socially without a certain bag, when the reality is they will just have the feeling of being left out. Which is not something that will kill a teenager who is otherwise loved and occasionally gets to have the 'it item'. Its how you build resilience. You cant learn how to cope with not getting what you want... if you always get what you want.
There is a happy medium between a £10 charity shop coat and a £200 coat, for example. Yes, if it was a big treat for a birthday etc, fine, but you yourself are saying 'its emotionally important to her' she is a teenager, she wants to fit in, and lot of teenagers do, but by describing it like this yourself you are giving it more weight than it needs to. Just be careful of this. There is no reason she couldn't search for it secondhand, for example. Does she ever go without these things that are 'emotionally important' to her?
Learning to save up and budget helps her learn the value of money, and in turn is what teaches her healthy attitudes around 'fitting in' but you need to teach her that.

PixiePuffBall · 30/07/2025 15:36

Part of letting kids learn about money is learning to budget. If they spend all their budget on a frivolous purchase, which all teens do, there isn't money to buy other things.

I would be giving them a set amount agreed upon with DH each month, and then let them figure it out. Then absolutely do not give them more than this amount.

SomeOfTheTrouble · 30/07/2025 15:37

Daisyvodka · 30/07/2025 15:23

The thing is, when you say she will grow out of valuing 'what other people have/branded things'...
Some people naturally do, but a lot of people don't and end up in a lot of debt because of it, and in my experience its always down to teenage years/early adulthood, as some people seem to genuinely think they won't be accepted socially without a certain bag, when the reality is they will just have the feeling of being left out. Which is not something that will kill a teenager who is otherwise loved and occasionally gets to have the 'it item'. Its how you build resilience. You cant learn how to cope with not getting what you want... if you always get what you want.
There is a happy medium between a £10 charity shop coat and a £200 coat, for example. Yes, if it was a big treat for a birthday etc, fine, but you yourself are saying 'its emotionally important to her' she is a teenager, she wants to fit in, and lot of teenagers do, but by describing it like this yourself you are giving it more weight than it needs to. Just be careful of this. There is no reason she couldn't search for it secondhand, for example. Does she ever go without these things that are 'emotionally important' to her?
Learning to save up and budget helps her learn the value of money, and in turn is what teaches her healthy attitudes around 'fitting in' but you need to teach her that.

Yes, and also remember that these things are also emotionally important to those who can’t have them too. Your daughter isn’t unique in wanting branded items, and she won’t be uniquely upset if she doesn’t get them. Sometimes you get what you want, sometimes you don’t.

HundredMilesAnHour · 30/07/2025 15:44

SomeOfTheTrouble · 30/07/2025 15:37

Yes, and also remember that these things are also emotionally important to those who can’t have them too. Your daughter isn’t unique in wanting branded items, and she won’t be uniquely upset if she doesn’t get them. Sometimes you get what you want, sometimes you don’t.

Exactly this! These lessons are a fundamental part of the growing up process. Spoiled children become spoiled teens become spoiled adults. And no-one wants to be around a spoiled adult. Part of your role as a parent is to let your children experience things that they don’t like and don’t agree with and let them find out that the world doesn’t end after all. They learn how to manage this by doing it in a safe supportive environment with you. If not, you’re effectively setting them up to fail in adulthood.

JS25 · 30/07/2025 15:49

I think you have a strange way of doing things. Right now you aren’t showing your kids how to budget.

What would make more sense imo would be to give each of them an allowance either weekly or monthly. You have to sit them down and explain to them that within that allowance they have to budget and or save for what they want. this could also include having to save some of it every months. Obviously you need to provide for their needs.

So for instance they get £40 per week. With that money they have to learn to save a small portion of it (5-10%) this could be for holiday spending money or even longer term goals (driving lessons/a car/uni/whatever) then with the rest they have to budget for the things they want ie make up, skin care, concerts/days with friends/certain clothes/what ever they want but don’t need. If they want the latest trainers for instance you could say well I’m happy to spend £x you will have to make up the difference.

this allows them to start budgeting and learning how far money goes. Not to reply on bank of mum and dad. They will quickly learn that buying that expensive souvenir from the concert means they can’t have the make up they want or day out with friends etc.

It allows for a learning curve for them, they learn how to save but also spend within their means with no back up from mum and dad.

your oldest could get a part time job to top up her spending money if she wants nicer things or offer to pay them for certain chores to top up (doesn’t have to be lots).

Obviously for bigger purchases such as concert tickets you could buy it for them but then ask for some or all of it back from their allowance.

the way you are doing things I worry that it will end up in a situation where they can’t manage money as adults and won’t know how to budget.

My parents did this with me. I was forced to save 10% of my allowance. Was advised to save extra for bigger purchases or things I wanted to do then I had to budget the rest.

My parents would buy me things I needed (shampoo/shower gel/clothes/shoes) but with a limit on what I could spend. So if I wanted the shoes at £50 I had to make up the difference of what mum wanted to spend £40. If I wanted make up, new clothes, skin care, days/nights out, concert tickets, snacks really anything I wanted but didn’t need I had to buy myself. I quickly learned that money doesn’t go far and I could make the decision about the £2 make up over the £25 one or the night at the cinema over the band T-shirt etc. they were good at paying things for me (concert tickets etc that would sell out) but made me pay it back from my allowance either over a few weeks or months depending on costs).

once I started working full time after uni they would make me pay ‘rent’ which was then returned to me when I moved out. I managed to save for my first car, holidays abroad with friends, my house deposit all with the budgeting advice I got growing up and learning with small amounts. I now have pretty decent savings, and can budget and manage money well.

OnyourbarksGSG · 30/07/2025 15:52

My 17 yo gets £240 a month and that is to cover everything like toiletries, clothes, entertainment, junk food etc. I do occasionally top it up a bit more like I gave her an extra £60 in April and September to buy some extra seasonal clothes for college/summer clothes. I buy her expensive items like trainers (Aj 4s,£190-240) for Xmas or birthdays.

outerspacepotato · 30/07/2025 15:54

You give them a set allowance.

They can supplement that with an outside job for the 17 year old and doing extra chores for the 13 year old.

You're teaching your kids that the Bank of Mom is always open, not how to budget, and I see why your husband is frustrated.

latetothefisting · 30/07/2025 16:01

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.

Tell her the amount you're happy to pay and then it's up to her whether she pays the difference herself

E.g. you're happy to put up to £70 towards a decent branded pair of trainers but she wants the brand new fashionable ones that are £120. She can either pay the £50 herself out of her pocket money/savings, or wait and have them for Christmas/birthday. Or if you were also going to buy several other items in the same shopping trip then "Okay you can have the trainers and the jeans because you're in desperate need of a new pair but that's it, I'm not paying for those 3 tops you were going to get."

You're happy to pay for an iPhone 14, if she wants the 16 she pays the difference. Etc.

You're meeting her more than halfway in that the baseline option you're offering is in itself decent and isn't the cheapest of the cheap primark trainers or a 3rd hand Samsung, but if she wants a very specific expensive upgrade its for her to work out how to cover it.

You could always offer the option to do additional chores for extra money.

SomeOfTheTrouble · 30/07/2025 16:11

latetothefisting · 30/07/2025 16:01

Tell her the amount you're happy to pay and then it's up to her whether she pays the difference herself

E.g. you're happy to put up to £70 towards a decent branded pair of trainers but she wants the brand new fashionable ones that are £120. She can either pay the £50 herself out of her pocket money/savings, or wait and have them for Christmas/birthday. Or if you were also going to buy several other items in the same shopping trip then "Okay you can have the trainers and the jeans because you're in desperate need of a new pair but that's it, I'm not paying for those 3 tops you were going to get."

You're happy to pay for an iPhone 14, if she wants the 16 she pays the difference. Etc.

You're meeting her more than halfway in that the baseline option you're offering is in itself decent and isn't the cheapest of the cheap primark trainers or a 3rd hand Samsung, but if she wants a very specific expensive upgrade its for her to work out how to cover it.

You could always offer the option to do additional chores for extra money.

I think the thing is that the OP is happy to pay for all of it. Her DH just doesn’t agree.

HashtagSadTimes · 30/07/2025 16:33

I think we are madly missing the point here.

In is not the money- it is the wildly dysfunctional dynamic that is the problem.

It seems to me that you are perhaps (over) compensating for his miserliness.

I think it is so important as a parent that we can calmly explain what our principles are, and I am at a loss to explain what his thought process is. As I understand it:
(a) He had the lowest quality of everything growing up, or not at all.
(b) He hates spending money frivolously
(c) There is not a an agreed definition of frivolous
(d) Money /Spending has ruined his relationship with his father and brother.
(e) He is very emotionally dysregulated on this topic?

First question, can you have a sensible discussion about anything, Or is quick to anger on all topics?

Can you try to ask him questions about why this whole area is so upsetting for him? Presumably he doesn’t want to repeat the distant/broken relationship he has with his father, so it would be worthwhile taking action now.

Can he articulate what his values around money are; and what values he wants his children to have; and how does he feel about his children rejecting those values. (As an example, my mother won’t really spend money on herself, and she is super conflicted about whether her daughters should see themselves as being people worth spending their own money on. Grandchildren can be spoiled though!).

It obviously pains him to spend money (perhaps the fact he can spend money on the tickets because he lives his daughter, demonstrates to him that his parents did not see him as worth that.). That is the issue- not the stupid tee-shirt.

Tablesandchairs23 · 30/07/2025 16:41

Give them a monthly allowance. If they spend it then its tough. They need to learn to budget. Also at 17, I'd expect to have a part time job for extra money.

OffToSeaInABlizzard · 30/07/2025 17:14

This is the issue, @HashtagSadTimes - the OP’s husband seems to be triggered by any expenditure whatsoever. And would clearly prefer it if his daughters went through their teens not using money at all.

And the fact that he cedes all interaction with money to the OP means that he no longer has any idea of what things cost in the 21st century. Imagine insisting that any expenditure over £10 requires a family conference …

HashtagSadTimes · 30/07/2025 17:28

I wonder if he would agree with that?

If OP was not there to mediate, would he really expect them to use rags for sanitary towels? Would they have to wear the cheapest Ptimark clothes, and scavenge through secondhand shops?. End any activity they do?
Hopefully not.

My guess is, given how quickly he flares up about this, is that he can only react, and not give a considered response. Due to his childhood.
If you sat him down and said let’s look at what the money is being spent on, what are your thoughts, what emotions is this stirring for you? Then there is a space for him to not trash his relationship with his children think about how he really wants it to be, and then implement that.

mumonthehill · 30/07/2025 17:39

They need to learn about money and you need to help them. A weekly allowance we gave £40 to cover lunches etc and they learn to save. Both ds had jobs at 17 and were expected to save half their wages and they could do what they wanted with the rest. We allowed £60 for trainers and if they wanted better they topped it up, same with clothes. I think the concert trip should have definitely been a birthday gift with £25 spends for merch.

FinancialPerspectiveNeeded · 30/07/2025 18:46

HashtagSadTimes · 30/07/2025 16:33

I think we are madly missing the point here.

In is not the money- it is the wildly dysfunctional dynamic that is the problem.

It seems to me that you are perhaps (over) compensating for his miserliness.

I think it is so important as a parent that we can calmly explain what our principles are, and I am at a loss to explain what his thought process is. As I understand it:
(a) He had the lowest quality of everything growing up, or not at all.
(b) He hates spending money frivolously
(c) There is not a an agreed definition of frivolous
(d) Money /Spending has ruined his relationship with his father and brother.
(e) He is very emotionally dysregulated on this topic?

First question, can you have a sensible discussion about anything, Or is quick to anger on all topics?

Can you try to ask him questions about why this whole area is so upsetting for him? Presumably he doesn’t want to repeat the distant/broken relationship he has with his father, so it would be worthwhile taking action now.

Can he articulate what his values around money are; and what values he wants his children to have; and how does he feel about his children rejecting those values. (As an example, my mother won’t really spend money on herself, and she is super conflicted about whether her daughters should see themselves as being people worth spending their own money on. Grandchildren can be spoiled though!).

It obviously pains him to spend money (perhaps the fact he can spend money on the tickets because he lives his daughter, demonstrates to him that his parents did not see him as worth that.). That is the issue- not the stupid tee-shirt.

I think he is prone to be quick to anger on topics where he feels he is left out

Spending decisions are one area that this crops up. It also crops up around schoolwork/screen time etc, especially for my youngest as he thinks I am too lax with her. I might also make decisions about what is OK for a birthday party (eg buy some alcohol for a 17 year old) and it's something he doesn't approve of so will get angry.

We are not aligned and my "nicer/easier" way is what the kids end up doing, he feels pushed out and gets angry. I sometimes make decisions that maybe I should involve him in more. I tend to act too autonomously.

The reason I think I dont is that I dont expect a reasonable reaction. So I am feeding a poor dynamic myself. This is something I need to tackle with the counsellor we have been seeing.

OP posts:
FinancialPerspectiveNeeded · 30/07/2025 18:48

HashtagSadTimes · 30/07/2025 17:28

I wonder if he would agree with that?

If OP was not there to mediate, would he really expect them to use rags for sanitary towels? Would they have to wear the cheapest Ptimark clothes, and scavenge through secondhand shops?. End any activity they do?
Hopefully not.

My guess is, given how quickly he flares up about this, is that he can only react, and not give a considered response. Due to his childhood.
If you sat him down and said let’s look at what the money is being spent on, what are your thoughts, what emotions is this stirring for you? Then there is a space for him to not trash his relationship with his children think about how he really wants it to be, and then implement that.

No he would not be extreme in this way at all. If I were not there he would probably give in to fewer treats and buy less stuff, but not expect them to go without basics like sanitary towels!

OP posts:
FinancialPerspectiveNeeded · 30/07/2025 18:50

His relationship with his brother is fine - they were together poorly treated by their Dad and understand each other well. Its the parents which he is distant from. I am scared of repeating the same dynamic and I over compensate to make the kids have a nice time. It"s not working well.

OP posts:
HashtagSadTimes · 30/07/2025 18:52

FinancialPerspectiveNeeded · 30/07/2025 18:50

His relationship with his brother is fine - they were together poorly treated by their Dad and understand each other well. Its the parents which he is distant from. I am scared of repeating the same dynamic and I over compensate to make the kids have a nice time. It"s not working well.

It sounds like a good idea to see a counselor? I hope it works out well for you all.

FinancialPerspectiveNeeded · 30/07/2025 18:52

OffToSeaInABlizzard · 30/07/2025 17:14

This is the issue, @HashtagSadTimes - the OP’s husband seems to be triggered by any expenditure whatsoever. And would clearly prefer it if his daughters went through their teens not using money at all.

And the fact that he cedes all interaction with money to the OP means that he no longer has any idea of what things cost in the 21st century. Imagine insisting that any expenditure over £10 requires a family conference …

Edited

I think the 10 pound limit was suggested when he was triggered. It was not the right time to find a solution. He doesn't expect this nor will I stick to this on this holiday. The kids will have a nice time.

However, we will have to come up with better ways of communicating going forward. I have asked him to tone his reactions down and write down what is bothering him.

OP posts:
FinancialPerspectiveNeeded · 30/07/2025 18:53

HashtagSadTimes · 30/07/2025 18:52

It sounds like a good idea to see a counselor? I hope it works out well for you all.

Yes I think it is needed.

OP posts:
Spidey66 · 30/07/2025 18:54

I think it should be a set amount as this reflects RL. Like RL, if she wants more she needs to get a pt job.

FinancialPerspectiveNeeded · 30/07/2025 18:56

His parents would have never bought concert tickets for him. In fact it was him who bought expensive U2 cinvert tickets for him and his brother for his brothers 20th birthday. His parents didnt buy his brother a gift because they said they had paid for his transport to Spain from France for a 3 month work experience placement and that was his present. They didnt even get him a cake. His brother told me the story 30 years later, so I assume it bothers him.

OP posts:
FinancialPerspectiveNeeded · 30/07/2025 18:57

There is a lot to unpick with his family and I didnt understand how this would play into our family dynamics since we are both careful and earn well. But I subconsciously took control of the budget as I knew it would cause him discomfort from the early days in our relationship. This was a mistake in hindsight.

OP posts:
Redburnett · 30/07/2025 18:57

That is possibly the most ridiculously detailed backstory I have ever read. Most of it is totally irrelevant to your DC. Give them financial freedom and let them make and learn from their own mistakes. The end.

Radioundermypillow · 30/07/2025 18:59

I must say OP that although the dynamics of your relationship is fascinating I agree with pp who say none of this has anything to do with your dds. These are issues that you and your dh have.