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Step-parenting

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Feeling guilty about household finances

10 replies

ThinkingAgainAgain · 30/12/2023 20:08

Sorry for the long post, this has been playing on my mind.

Shorter version:

I'm a woman with a great job and no children of my own. However my wife of 3 years has 3 children from a prior relationship. She is the NRP, the kids stay over only a couple of times a month. She is on minimum wage and has no qualifications - not even high school. We're both in our 50s, and I can't imagine her retaining due to struggling at school.

My dilemma: I earn about 6x my wife's salary. I'm not sure how responsible I should be/feel for making sure the two households (her ex's household, and our household) are "equal". This feels like a big ask in practice, as my wife's ex is also in a low paid job. For the households to be truely "equal" i would probably need to give 40-50% of MY salary.

My wife pays about 50% over the CMS amount, although this still isn't a lot in ££ terms due to her being on minimum wage. Should I be "topping up" her ex's household budget?

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More details:
On the one hand, I feel like her ex and the children would value the additional support. However, I also feel like: (1) this isn't my responsibility; (2) I'm already "helping out" in that the children have more than if DW was living on her own, for example; (3) the argument of making the households equal wouldn't apply the other way round - for example, if my wife's ex had a very high-paid job or a new partner with a highly paid job, and my wife was single in her low-paid job, she wouldn't be receiving money to make the "households equal".

I should add there has been a lot of animosity between my wife and her ex over contact etc, which makes me not want to give her any more money. So while the simple thing would be to just pay her more, I don't really want to. Although I do feel guilty when I think of the children- I should add they're clothed, housed, well fed, go on an international holiday with the RP every couple of years, do extracurricular activities etc. My wife's ex has a social life and goes out with friends. But she struggles with things like driving an old car, renting rather than owning her property, working full-time not part time. I think the older child also worries about money, for example he says things like: "we're not going on holiday with mum this year because she can't afford it; I didn't want to ask mum for [something] because she can't afford it; we wanted to watch [film] at the cinema, but mum can't afford it".

She has also directly asked for money for things like coats and shoes for the children (which we then buy) because she says she can't afford them. Things like this make me worry and feel guilty.

I have read lot on Mumsnet about the struggles of single RP's, which have changed my perspective (e.g. about maintenance being designed to ensure households are equal) and I think this is where the guilt is coming from. Previously my thinking was framed by animosity + "her budget, her problem", + "the children are already better off financially than they would be otherwise (e.g. if my wife and her ex were still together.)"

OP posts:
Santaisscouringindeedfornewjob · 30/12/2023 20:12

I say this as a once single dm. Step away op. Financially at least... I am 50 + and on minimum wage and certainly don't expect my dh to bankroll me or my dc.

StragglyTinsel · 30/12/2023 20:14

It is not your job to equalise things between the households.

reframe this. The children’s parents both have low incomes. So the children are benefiting beyond what they could ever have from their parents by your contributions to your own household.

Stop feeling guilty about it. If the RP is struggling, then s/he and your partner need to figure out how they can earn more.

Invisimamma · 30/12/2023 20:18

You do not have an obligation to provide for her children in any way. You especially should not be topping up CMS, no man would this in your position.

If you want to treat the children now and again when they are with you and if you want to do this then that would be a kind thing to do e.g. pay for a day out, buy a few gifts at Xmas, a takeaway when they come to stay. It shouldn't be expected but might be nice for your wife and kids.

MILTOBE · 30/12/2023 20:20

I think you should put yourself first, at your age. Build up your pension. Throw money into savings. It's up to the parents of the children to care for them financially.

MILTOBE · 30/12/2023 20:22

I know this sounds mean but I'm shocked that at your age you'd marry someone where there's such a discrepancy in income and career. I have had it really tough financially and I wouldn't consider marrying someone or living with someone who was going to cost me a lot of money. I would do - and did do - when I was much younger, but I wouldn't do it now.

Edwardandtubbs · 30/12/2023 20:41

CMS isn’t there to ensure the households are equal. It is there to ensure that the nrp contributes to the financial support of the children.

Please stop contributing your earnings to anything being bought for the children outside of the time they spend with you! It is not your responsibility!

I am a step mum who out earns my partner significantly. I am currently paying all the CMS as my DH isn’t earning but his annual review hasn’t been updated yet. I’m livid about it and have told him so.

Keep your money! You don’t owe it to anyone. And you can just say ‘no’ when you’re asked for it.

Youcannotbeseriousreally · 30/12/2023 21:14

Not your circus and not your monkeys. Don’t you dare start dishing out your hard earned cash for people that should be provided for by their parents

newoldfluff · 01/01/2024 16:42

You shouldn't feel responsible at all in any way. Her kids have the parents they have.

namechangnancy · 01/01/2024 17:14

You a step parent.

You are not financially bound or otherwise to make the houses equal. That is the responsibility of the parents. Their choices.

ThinkingAgainAgain · 02/01/2024 18:18

Thank you all for your replies. You've reassured me that this isn't my issue. I appreciate everyone taking the time to read and respond.

I'm going to try to find a way to step back and disconnect from it all, but still treat the kids when they are with us.

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