How much money do you spend on your stepchildren?
I am a soon to be step mom who loves my soon to be husband and my soon to be step children. I have happily purchased things for my step children in fact I love doing it and in the past I never thought anything about it until recently...and here's why. My future husband supports my step children atleast triple ways. He pays child support to his ex that covers the bills and then leaves PLENTY of money leftover. My step children when they are with their mom they call my fiance to buy them everything and he does and when the step children are with us he buys them everything as well and he also buys many other things for them at random. I have never had a problem with this in the past I love the great father that my future husband is. However, I don't feel like spending my money on my step children anymore because for one their mom buys them nothing out of the child support money my future husband gives them so my fiance buys them everything. My future husband and I plan on having children ourselves and I don't think it would be right to take my money and spend it on my stepchildren when they are getting financially support in quadruple ways where's my future off springs will only get supported through me and my future husband. My stepchildren will always receive more financially than my bio children because they live outside the home. So I make a limited income at the moment and I feel like why take my limited income and spend on my stepchildren who already get so much. My limited income should mostly be spent on my bio children who won't get as much as the step kids do. Now I'm thinking of only buying for the stepkids for holidays and birthdays and occasionally dinner. What do you guys think?
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I use to spend money on them
I use to spend money on them the same way I spend on my own kids until I saw how ungrateful they are. Now I will occasionally spend on an ice cream cone if anything.
Same here. And now I've had
Same here. And now I've had the discussion with my husband about how much more SD gets total compared to the other kids and he doesnt see it that way.
When talking about "more"..
When talking about "more".. make sure you don't pull in what others may be spending on the stepkid.
"well, your parents, BM, Her parents and your brother all spend money on Skid..." You can't control what others do with their money.. you only have control over what happens in your own home.
Now, that doesn't mean that I didn't see the DH's girls were eeking through with only one pair of shoes that fit and reach into my own pocket to buy them a couple extra pairs. Sure BM should have spent CS on that.. but I wasn't going to let the girls completely suffer..
Maybe we cant actually
Maybe we cant actually control it, but we don't need to spend unnecessarily when BM has already bought something for SD that the other kids still need just so DH can compete with BM. It gets old having things just sit at our house never worn or touched that we spent a bunch of money on because DH thinks he needs to buy anything BM does when he knows SD is still only going to use what she got from BM.
And DH just recently tried to be sneaky about getting SD more by playing into his moms favoritism of her and asking her to get her a big ticket item for her bday that she would never buy the other kids so I'd say that was also somewhat in his control.
I see it happening to my future children
I already see my stepchildren getting more than my bio children from their dad. Which is another reason I don't think it's right for me to financially support my stepkids too often i don't want them to get used to it because that's taking money from my future children when they will already get less as it is and it's definitely not right
I think you need to have an
I think you need to have an honest discussion with your SO about finances. This small "annoyance" at him "triple paying" for his kids may become a much bigger issue. Better to get these things out in the open.
You obviously should also be having this larger finance discussion...including how household expenses are split..how you both view retirement.. how you plan on achieving short and long term financial goals.. what support level you agree on past age 18.. (is anything mandated beyond that?).
There is a ton to go over.. not all of it involves the stepkids.
It's not unusual for kids to see dad as a bank. It is also a dark trip down an alley trying to figure out what mom is or is not spending CS on. The bottom line is that you probably do need to discuss with your DH what he feels he should be paying outside of his court ordered obligation. Certainly my DH bought his girls gifts and I spent money on them as well.. when I both wanted to.. and could afford it.
There is no one size fits all answer.
i see no problem spending money on the kids if you want to. But, I can also see seeds of discontent in your post and these can grow into huge marital weeds. Not all of it is related to your skids either.
Another basic fact of life that you need to accept is that you cannot control the EX. You can't control what she does or does not sprend money on. Ultimately, you only have influence over what happens in your home.
Thanks for your response In
Thanks for your response In the past and recently I have spent on my stepchildren but after much thinking I don't want them to get used to it. Because they do get atleast triple pay from their dad because he buys everything for them no matter how small or big the price is and our future child won't get nearly as much from dad and I don't wanna take my income and just give it away to stepkids who already get so much. You're right though I can only have influence over what happens in my home.
why do you think your child
why do you think your child will get less from his father? I understand that there is CS going to BM.. that contributes to the housing, food, clothing of his kids (his share) at her home.
but, won't he also be providing for his share of the home his child will stay in with you? etc.? I don't see it as particularly different. But, I can see that he may need to curtail spending for all kids (discretionary) if he reaches a limit regarding his income.
But..again, you need to be on the same page financially.. if you can't then don't be with him.
I feel as though financially
I feel as though financially speaking my children will get less from their dad because so much goes to my stepchildren. He pays child support that covers the bills of the home his children live in and then there's MUCH money leftovers from that. The child support money can't be going on the children because my fiance buys everything for them no matter how big or small it is he pays things in full. He buys their clothes, shoes, he pays for medical visits, medications, cellphone bills, games, etc all by himself. When they are with us he buys them numerous things. When they are with their mom they call him to buy them everything no matter how big or small it is they call daddy to buy it so I'm not sure of what their mom does with the child support but it doesn't go on them. So yes I feel as though my future children will financially get less from their dad because the tons of child support he pays obviously isn't getting spent on the children because they call him to buy them everything and of course he buys them whatever they want and then like I said when they are with us he buys them everything so yes he is atleast triple spending on them. My bio kids won't receive as much financially speaking because their father isn't rich and the majority of his money is already going on his older children. He thinks it's fine to overspend on them. He's a provider by nature but if his first home and children gets the majority of his income because he's constantly spending on his older children in addition to the child support he gives that doesn't get spent on them. Where does that leave his second family? I have bought my step children things in the past and even just recently I bought somethings to help my fiance with the kids back to school items because again his ex doesn't buy anything. She doesn't even help with half of anything and it is frustrating.
I do not see any reason why you should pay
But I question why you are so certain your SO "triple pays." Why do you think CS more than covers bills? Do you know what his ex pays for rent or mortage? Do you not think that it apporpriate that CS cover part of that?
I know for a fact my fiance
I know for a fact my fiance triple pays. The child support his gives more than covers the bills of his first family and then there's much money left after bills are paid that doesn't go towards the children because the children when they are with their mom calls daddy to buy them everything no matter how big or small it is and then when they are with us he buys them everything. He pays for all of their clothes, shoes, cellphone bills, medical bills, medication, games, toys, everything they want and need daddy buys it. I just finished helping my fiance buy all of their back to school items because their mom doesn't buy them things with the loads of child support he gives her. But moving forward I can't take my income and buy his children too often because I don't need anybody getting used to that when those kids already get so much.
Again, what bills are you talking about???
Do you think the Child Support covers more than a propotionate share of rent or mortgage?
I do not think you should pay, but I do not understand how you think the ex is making money on CS. She might be, but you are not addressing the major expenses.
I too am curious... how many
I too am curious... how many kids... how much... etc
Yes, the Child support my
Yes, the Child support my fiance pays is more than a appropriate share of the rent in fact it covers the rent entirely and then leaves some money left over. So my point is I know she has child support money leftover so I don't get why my fiance still have to buy everything for the kids. He's a great father and he loves spending money on his children but he overspends. He pays alot in child support and then the children constantly call him when they are with their mom so that he can buy them different things or they tell him which places they wanna visit. Then of course when we get them it's the same thing. He constantly buys and spends for them because he likes being a provider but he overspends too much. All I know is moving forward I'm not gonna be buying too much for them unless it's birthdays or holidays because their dad does way too much. Children in the same home wouldn't get half the amount my step children gets if their father keeps his routine up.
It is really unusal for child support to be that high
Sounds like either your fiance earns a lot or the ex is living in some unusually low cost place (maybe owned by a relative, subsidized, whatever).
I do not think you need to buy them stuff (other than of a deminimis value, like a birthday card). I think every engaged couple should talk about finances, including funding retirement. I think your saying that he pays in triplicate for the kids may not be entirely accurate. I don't know how old these kids are, but if they asssociate your getting married with their dad no longer buying extras for them, they may resent you. You may want to take it slow.
You spending money on your
You spending money on your step kids is the least of your problems, that is your choice and you can choose not to do it.
However, if you are going to build a life and a family with this man, the two of you MUST discuss finances because his over spending on his kids IS going to become an issue when you have kids of your own, need to save for college, retirement, etc.
He sounds like a Disney Dad and is spoiling his children. That, in and of itself, does not make him a "great father", just a guilty one.
Read up about Disney Dads. It ruins marriages (and children, actually).
I agree my fiance's over
I agree my fiance's over spending will definitely become a issue. I definitely don't want my step children to get used to me buying them anything because I just refuse to overspend on them they way their dad already does and he sees no problem with his overspending on them
Keep your finances separate
Keep your finances separate and you should have a serious talk about budgets. I would ask him outright if he expects you to help support his children, if the answer is yes, then do some serious soul searching...are you willing to finance somebody else's children for the next 18-20 years?
Get a hold on all of this now
Get a hold on all of this now....I tried too late. I didn't mind buying skids stuff for the first year or so but that quickly changed once DH and I got settled into our home and new marriage......then had a baby shortly after....and I have older kids.
So......my DH pays TONS is CS...but also has the kids 50 percent of the time...and pays 1/2 of every medical bill, every activity, every school picture, pretty much everything BM asks for....and then skids spend the time with us asking DH for more things....to pay for their phone....for clothes....for any and everything. It is horrible and I resent my DH so much.....because he doesn't know how to tell them NO. He just can't spend all of his money running BM's house and ours.....and then spoling skids....BM buys the kids NOTHING.
I'm very bitter by this and caused alot of problems for me, so please get it in check no. Having a baby together made it worse and I resented him even more.
Basically I get alot of CS for my kids.....which I spend on them....but skids see this and think they also need to have what my kids have and that dadeeeee has to buy it......sorry skids it doesn't work like that....go ask your greedy ass lying mother where the money is.
I see my future in your life
Thanks for your response. I see my future in your life and I don't wanna let that happen I'm so sorry you are going through what you're going through. my fiance pays tons of child support and it doesn't get spent on my step children. He buys them everything no matter how cheap or expensive it is. He pays for medical bills, medications, clothes, cellphone bills. Etc entirely by himself with no help from his ex wife. He buys everything for my step children no matter what it is . They constantly call my fiance for every little thing they need and then of course when we get them he continues to spend money on them. It's like enough is enough already. It has honestly started to get under my skin. Which is why i have decided that I'm not gonna be spending on them too often because I don't want them to get used to it. Their mom doesn't use the child support on them so I'm gonna stop my spending on them now because when I have children I'm not gonna take from my children when my stepchildren already get so so so very much. I feel when we have children together my feelings could get worse if my fiance doesn't fix this. He can't be the head of our house and the head of his ex wife's house too
I guarantee you
I guarantee you that your feelings will get worse. No could about it. And you should know for sure how much is being spent rather than guessing if you are going to get married, have mutual children, and combine finances. His child support obligation is not voluntary but extra spending is and if he is living above his means in order to be "Mr. Bigshot" making everyone happy with money there could be serious trouble down the line. I know what I am talking about here. My DH makes a very good living and was very free with money over and above a very high child and spousal support. I was not as vigilent as I should have been and it turns out that he was depleteing savings and not contributing to retirement in order to sustain the spending level rather than tighten the belt when some investments tanked a few years back. Major damage was done before he told me what was going on. I believe that is lying by omission. He contends that it is not because I did not ask specifically so he did not actually lie. Our finances are separate and they are staying that way forever because even now he is touchy about not being able to throw money around without a thought. If I was dependent on him to survive I would be unable to sleep a wink. Be sure there is total ongoing transparency before you combine your lives and finances or remain completely self-sustaining. There are some serious warning signs here.
Your DH sounds like my fiance
Your DH sounds like my fiance. He makes a decent amount of money but of course he pays a alot of child support and in addition to that he wants to play Mr. Bigshot to try and make everyone happy. He's constantly spending loads of money on his children in addition to the child support he already pays. We're planning on having children together to grow our family but with the way he's spending on my stepchildren I'm starting to get frustrated. Our finances are gonna remain separate. My fiance doesn't mind throwing money away to his first family and I'm not letting my money being in the mix of that... He needs to slow it down now because if much of his money is going to his first family it makes me wonder where will our family stand? I'm sorry about what happened to your savings and retirement. Thanks for your reply and tips
I am sorry that
I am sorry that I was correct in my assumptions. I was hoping that I was off the mark and was reading too much into your post. :( Luckily my own savings and retirement are OK but that is because I never combined them in the first place so there was nothing to untangle. I am glad that you plan to do the same. I definitely encourage you to ask pointed questions even though you are not combining finances if there may be a shared mortgage or credit cards at some point and you can check online for free in most states to see if there are tax liens. If there is no problem then he should not have any issue answering reasonable questions about how he can afford to spend so freely plus keep good credit and save for a rainy day. If he is evasive or defensive then there are red flags that warrant caution and investigation. Not saying that you should not marry him. Not everyone is good with money and that does not rule them out as a partner. What does rule them out is if they refuse to acknowledge the issue and swallow their pride to let you participate in protecting the family as a whole or protect yourself and your children independently.
Sorry I missed your response
Sorry I missed your response earlier im new to this site and still figuring things out on here. I'm glad your own savings and retirement are fine I plan to ask my fiance pointed questions soon. I will definitely remember all that you have said. Thank you so much. You are so helpful
What is your fiances
What is your fiances relationship like with BM? That is one of the main things in most of these cases (like mine). Is he afraid of her? Does she control him by using the kids as pawns? My DH throws money at skids....not because he wants to or thinks she should..he is actually not happy when he does it......but because he is too afraid to say no....afraid BM will withold the kids....afraid kids may get upset. He does not no how to say no to BM or skids.....so that is the real issue....not the dollar amount.
So definitley evaluate your situation in this regard. If you have a a guilty daddy on your hands.....buckle up b/c it's a bumpy and horrible ride.
My fiancé's relationship with
My fiancé's relationship with with his ex is ok but I'm not fond of her she tells lies to her family about my fiance and I and her family tries to create drama with my fiance and I based off of the lies his ex has told them.. with my fiance He does wanna be Mr. Big Shot and I believe he mostly spends money because he wants to. He never seems to not be ok with it he's a provider by nature so he loves spending money and has told me that he loves spoiling his children. I'm sure somewhere in his mind & heart there is some guiltiness and fear regarding his children and his ex wife but he has yet to admit to it.
Welcome to the site!
My DH used to give VERY generous CS to NPD BM - here in the UK, these things are not usually set by courts buy agreed through solicitors. But he still spent a lot on them when they were here and when he took them for outings and holidays. I used to buy them birthday and Xmas gifts, but after a number of years of doing this, and it not being appreciated, I stopped. I will never spend a penny more on them as they are ungrateful and entitled. I think as a matter of policy, step parents should not be expected to spend their earnings on their stepchildren, this is the parents job, and I have my own two bio daughters and 3 grandchildren whom I prefer to spend my money on.
Money and how it spent, save ect
Are the number two reason marriage fail. You must get together on this subject before you go on. As kid get older they want or need more money. In stead of a Happy meal it’s a car, car insurance, cat maintenance. College, wedding, vacations ect.
He can spend so much playing Disney Dad that you will be spending your money, not on SK, but on thing he can not afford because he spending all his money on Sk. You will be buying food, paying medical bills, paying for vacations ect.
“ WE CAN NOT DO THIS BECAUSE.” I have a car payment, car insurance is due.ect. By the way I am not retiring because I have no retirement plan. It pays $100 a month
all this should be settled now. If you have a kid and stop working like BM. Who going to support the house ? After marriage it’s going to be too late
I do not have my own kids and
I do not have my own kids and will not. So from my perspective it's not about another child in the situation, but about my retirement and making sure my finances don't go to h*ll, which they started to do until I put the brakes on it.
I went all in with my DH and the girls at first, but then realized BM & DH were relying on ME for the big ticket items: good shoes, winter coats, sweaters, camp fees, etc. Hard stop after the second year of this. I do buy what I willingly want to purchase for them (well, only YSD now)...I got YSD a new alarm clock, get her toiletries (only as long as she lets me know she needs them as I don't check up on her needs), help her get a new swimsuit, etc. But I never spend hundreds any more. Esp. because it's not appreciated and I can set no conditions upon any items (such as hang up your coat or don't use your new towels to mop up the spilled paint...).
We have separate finances and DH pays me back for most things I buy for YSD, unless it's (again) something I want to get for her. He pays for them when we go on vacation together. I pay my share. He or BM pay for their health insurance, not me. I don't pay for camps or special classes after getting burned with that several years in a row (i.e. I can pay but set no expectations that they go). I will not pay for their car, car insurance, or college.
I don't have kids and I still don't.
You obviously have no
You obviously have no obligation to spend on your fiance's kids. I think YOUR spending on them is not the issue here - you can spend as much or as little as you want, when you want. The problem is HIS spending on them. That is going to cause problems in your marriage if you're not all on the same page, and it is clear that you are not on the same page with him on that. You need to hammer that out BEFORE you get married.
To answer your question, I spend quite a bit on my two SDs. But that's largely because I derive enjoyment from it. I love buying them cute outfits, and I love buying craft stuff and things for outdoor play that we can do together. They're still young so they're not asking for cars and laptops. I probably need to be careful, though, that I don't create that expectation. One big difference in my situation - my DH is not paying CS. If he was, and BM was not spending money on the kids, I'd probably be annoyed and cut back on what I get them.
It sounds as if your love
It sounds as if your love goggles are slipping and you're starting to gain clarity.
Thank goodness this happened before you married this man. He is NOT a "great" father, or that great with money apparently. Since differences in parenting and differing financial philosophies are two of the most common reasons cited for divorce, you owe it to yourself and your bios to slow the relationship down.
We get a lot of posts from women who rush into relationships with certified preowned men without properly vetting them. You both have failed relationships in your past, so give your union a better chance of succeeding with some solid premarital counseling that will get you on the same page. Hash all of this poo out now, or you'll regret it later.
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Thanks everyone
Thanks everyone for your replies and tips. It is amazing to having a understanding community of women.
no bios
I have one SD13 that I sort of dote on, but am beginning to withdraw financially from, as I read posts on here and time goes by.
I have already married but am looking into a post-nup. Am also considering filing separate taxes. I make the same money he does but with an auto payment, CS and Spousal support, I take home more. I have an awesome retirement benefit package, awesome health benefits.
Because SD13 and I have a great relationship, I have made her a beneficiary on my life insurance in the event DH and I perish together. Also leaving her my stuff since I do not have children, and will not have children. So, my situation is different.
Glad you got some solid advice. Consult a CPA and/or attorney. Things get complex.
You sound like such a
You sound like such a extraordinary woman inside and out. Keep up the great work. Any kid would be lucky to have you as a step mom :)
I personally don't spend
I personally don't spend anything on my skid, maybe a present for Christmas/birthday but that's rare, actually, since he was alienated for years, and if he's not here on his birthday/Christmas, he's not getting anything from me.
DH pays his child support, and he takes SS19 out to dinner here and there (on his own dime). I think I might have jointly bought SS an ice cream along with all my nieces and nephew on vacation this year, but that's it.
OP, you are going to really start resenting your DH paying for everything all the time.
SSs are in their twenties now
SSs are in their twenties now and there's no CS. I've paid for some things that I've wanted to (dinner out) and some things that I have not wanted to (tuition payment). Since SO is terrible with money and has never paid me back for the tuition payment, for example, I no longer open my pocketbook except at Christmas.
I’ve thrown the emergency
I’ve thrown the emergency brake on the gravy train for SD19. I’ve only spent what I wanted to, and that’s because I wanted her to have a somewhat normal life where she got to do things; with Skankula none of it would have existed. She got a big party for HS graduation...and we barely got a thank you out of her.
She’s an adult now with jobs and I am not going to help pay for college or anything...bc quite frankly I have my own BKs to worry about and their future. If DH wants to continue to fund her, he can figure that out on his own dime.