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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:
TicklishMintDuck · 30/07/2025 22:35

The 17 year old could get a part time job. You could give them weekly or fortnightly pocket money and they can choose what to spend it on, but once it’s gone it’s gone. They do need to learn the value of money, especially the older one.

DwarfPalmetto · 31/07/2025 07:24

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.

I disagree. First of all, this is the relationships board, it's exactly the place to discuss the dynamics of their relationship. Secondly, the issues between the parents are the reason they got into this weird dynamic with the DDs. OP is using this thread to gain some perspective on the situation so she can make some changes. Giving the girls a monthly allowance to have a bit of independence and learn to handle money is a necessary first step, but it's not the end of the story.

SillySeal · 31/07/2025 07:56

I also agree with the monthly allowance. Shes 17 and needs to start learning to budget.

Around Christmas I started doing the same as I started to get fed up of giving £20 here and £5 there. Dd is a great kids so we top up her account with £100 per month. The first 2 months she blew through the lot but we just held firm on not topping it up until "pay day" and she was OK with that. Over the months she's making her money last and puts a bit (£20) in a savings pot. Shes also decided she likes having money and has got herself a little PT job off her own back.

You DH needs to get on board as at 17 she's almost an adult with no idea about how the adult financial world works. He also needs to stop being so controlling as £10 is nothing these days unfortunately

sunshineandrain82 · 31/07/2025 08:17

We give ours a set amount.
£17 a week 17 year old
£11 a week 11 year old
£8 a week 8 year old
£5 a week 5 year old.

the older 3 have bank accounts and the way it’s set up 80% goes onto their card and 20% automatically goes into savings pot. In theory we do same with 5year old some into her purse. Some into her piggy bank.

we don’t get involved in what they do with the money.
17 year old seems to spend it and dip into her savings pot.
11 year old saves mostly for things she wants. Same with my younger ones.

they know the savings pot isn’t their actual savings. But they can and do use this to save up some holiday spending money. Bigger ticket item etc.
this being said if they choose to spend the savings pot then they know that was their choice and if they want something they will have to save for it again.

we generally leave them to it to make decisions. It’s part of learning. We will talk to them if they ask questions or advice what to do. But ultimately it’s down to them to budget and spend wisely.

we cover all the essentials as for clothing etc. I’ll buy where I generally shop, so I don’t really have any set rules when it comes to clothing. They wear Hollister, north face etc as standard. But one of mine is into more expensive clothing such as Michael Kors, moschino etc and she knows that she either saves for herself or she can request for birthday/christmas but it’s not guaranteed she would get it.

lljkk · 31/07/2025 08:55

I reckon most people over react at times.
I have frugal instincts. OP's generosity with the kids might trigger outbursts in me, too.

If he's having outbursts in lots of areas then you can see it as a relationship issue (hard to work on, and means you'll have to look hard at your own behaviour too) but if his important outbusts are really only triggered by high generosity to the kids, I would look at spending rules for the kids as the easiest way to improve things. Also this is could be an easy short-term improvement while you ponder the bigger issue of being happier together in other ways.

I find if my kids haven't earned some of the money or put in a token amount, they don't value the good or experience very much. Lacking 'skin in the game' they don't make as much effort to have a good attitude about a trip away or look after their possession as well as they might, and they certainly don't think about bargain hunting and wise spending choices. Is why I can't imagine the 'Bank of Mum' approach to spending for them. Plus it sounds tiring for OP, to have to deal with so many decisions about what is good value or not.

I stopped pocket money for my kids on their 17th birthday... we helped with one off huge purchases after that (DS's house purchase, DD's Uni degree fees). Also I paid for DD's flights where she stayed in Friend's french villas (zero cost after arrival), and any train journeys home from Uni to visit us, restaurant meals on my dime.... She paid for her own train fares to airports each time... So I don't know what OP does about giving spending allowance to the 17 yr old. Maybe depends on youth job opportunities in wherever.place they live, too.

Sunshineandgrapefruit · 31/07/2025 08:59

Why don't they have their own pocket money / allowance at this age to spend as they are fit? If pocket money then have a separate savings pot for treats and one off tickets etc, if an allowance they get more but need to save up themselves.

KmcK87 · 31/07/2025 09:33

You both sound like you’re on opposing ends of the scale. Your husband is unnecessarily tight with money and you’ve crossed the line with being lax and you’re spoiling your children.
Definitely set an allowance and encourage a part time job for your older child.

FinancialPerspectiveNeeded · 31/07/2025 10:27

KmcK87 · 31/07/2025 09:33

You both sound like you’re on opposing ends of the scale. Your husband is unnecessarily tight with money and you’ve crossed the line with being lax and you’re spoiling your children.
Definitely set an allowance and encourage a part time job for your older child.

We didn't used to be, but I have relaxed a lot over the last few years, with age, the sense you only live once and the fact we had saved and invested so well.

Compared to my husbands grandparents we are like Bill Gates. It seems ridiculous to look at every penny even if this is what I was trained to do as a child.

He has also relaxed but not as much as me and he is cut off from the reality of prices as he rarely shops.

As a young person my siblings teased me for my frugality. We were known to be very careful as a couple to the point of other relatives also commenting. We had a common aim to be mortgage free very early and achieved it.

Now I want to enjoy life more and have probably swung too much in the opposite direction.

OP posts:
FinancialPerspectiveNeeded · 31/07/2025 10:34

We live in a nice neighbourhood but we have very ordinary cars and clothes. My car in particular is absolutely nothing special and the kids even comment on it. I tend to spend more on food and indulge the girls. I also increased our holiday budget. We have standing orders to charity the kids know about and I am going to do some volunteering. I regularly give cash to homeless people outside supermarkets or buy food for their dogs. I buy surprise gifts or outings for good friends. It is a bit newfound wealth for both of us and we are probably not 100% sure how to best deal with it.

OP posts:
FinancialPerspectiveNeeded · 31/07/2025 10:54

Thank you for all the comments. I am very grateful for the shared ideas and perspectives and advice. I will definitely be making some changes. My husband is on board with it.

OP posts:
honeylulu · 31/07/2025 11:09

An allowance is definitely the way forward. It needs to be the same every month and without conditions so she must be free to spend or save as she wishes. (My mum who was a bit like your DH would sulk and strop if I bought things she didn't approve of, typically records, and if she thought I'd saved up a fair bit she'd stop the allowance "because you have some left over". Not good!)

She'll learn to budget and prioritise which is a huge asset. My eldest was very spendy when he was younger and when he first had his allowance he would blow it on crap and get talked into buying stuff for friends. But there were no top ups so he soon learnt to be more responsible. He's 20 now and a lot better at managing.

We used to give him £20 a week (we also covered his phone, bus pass which we topped up as much as needed, driving lessons/insurance and essential clothing). So £100 a month for your daughter doesn't seem far off the mark. If he wanted more he had to top it up with part time work or specific chores for us (babysitting younger siblings, jet washing patio, painting fence etc.) Or wait for Christmas/birthday.

Random top ups teach them nothing. Your DH is too extreme but I think he's justified in being a bit frustrated at least.

IWantAMassiveEasterEgg · 31/07/2025 22:41

Can she get a p/t time job?
They are so incredibly useful to get rid of the stress of all this. My 17 dd worked in retail only 12 hours per week (one evening end one Saturday shift) and earnt £650 per month which was loads for her to spend on whatever she decided.

BuildbyNumbere · 01/08/2025 17:28

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.

The 17 year old needs to be given a monthly allowance for her purchases and that’s it, not topped up with varying amounts, how will she learn the value of money or how to budget??? Does she not have a part time job at this age either???
The 13 year old, slightly more managed … £10 seems a low value to discuss though.

Ireallywantadoughnut36 · 01/08/2025 21:00

I think for them to learn the value of money, they need their own to control. They should have an allowance, which you can choose to link to chores/jobs or not. Then they can save it for something big, or spend it on regular treats. At 17 she should probably have a job. My mum used to "match" our earnings which was a massive incentive to work weekends and earn more, we did that from 14 and it covered clothes, make up, toiletries, trips, music, days out. They paid for holidays still and obviously all our food/living costs but we controlled the rest.
If they have a limited amount, they will learn to live within a budget, save for big treats or special things etc. It can be a generous amount if you prefer and I know some parents say they will always buy clothes, always pay for hobbies, always pay for a phone contract etc if there are things you would want to exclude. I would personally have said that I'd buy concert tickets as its a big one off special trip but souvenirs should fall under regular alllowance/savings - choose 2 rip off t shirts no problem, but that means no space in the budget for stuff next month etc. It's the best way for them to learn how to budget long term and financially manage for themselves.

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