When you were younger, did you help your parents financially? Or was it them helping you?
Posted by Scarred_fish@reddit | AskUK | View on Reddit | 88 comments
Prompted by an article where a young couple were bragging about being able to afford to live together without any help from their parents.
That is not something I've ever come across in real life. For myself and my peers (mostly 80s) we left school to get into work to help out our parents, cover the bills, get the monthly shop etc.
I know there will be some cases where the parents were lucky enough to get by without any help but is that common?
mailywhale@reddit
Most people who are wealthy enough to have savings usually aim to give some money to their kids. Depends completely on how rich they are
nonotthereta@reddit
My mum has certainly always felt that way. My dad hasn't, despite being very well off. I think he thinks he's one of those "self made" men who doesn't understand the good luck and baked in privilege that led to him doing well (all the things that went right along the way, and all the people who help lift him up), and thinks financial success is indicative of a person's actual value, so looks down on people who didn't achieve the same success. After I became disabled a few years ago (and haven't been able to work since) he promptly exited my life altogether, and I don't think that was a coincidence.
I get enraged when I hear very wealthy celebrities saying how they won't leave their kids a dime because it's up to them to earn their own. It's ignorant to all the different ways in which people can end up unable to do so, through either physical or mental health issues that nobody chooses. Some people get good luck, others bad. Best to plan for the latter if people want their kids to be ok into old age.
melanie110@reddit
We’ve just started. MIL has got onset dementia and we finally managed to get into their banking app last night. It was dire.
Massive over arranged overdrafts, large cash withdrawals being taken out and she can’t remember what she’s done with it.
Timely_Egg_6827@reddit
I am so sorry. Do you have financial POA as helps a lot?
Timely_Egg_6827@reddit
My parents didn't want us working - they wanted us to prioritise studies. Both had left school at 15 to support family - one in heavy industry and one in nursing. My mother had to give up a scholarship and place at art college to help pay for her younger siblings while living in dorms. My Dad did a 7 year apprenticeship in a dying industry including stints in H&S at an ironworks before doing his first degree and then his MBA as a mature student supporting himself, a wife and 2 children under 5 by any job he could find as not eligible for income support. That opened up project management roles for him.
I was fortunate to be among some of the last to get free tertiary education and my parents paid my hall fees. I also got a small sum towards furnishing house when bought it. My parents though were pretty self-supporting - both had good jobs (Mum did her further education so a midwife, then a health visitor and then a nurse practioner funded by the NHS, Dad had a silly number of degrees - 2 paid for by his work). We could have been in a mess when he got ill but due to circumstances, all care funded by NHS.
I don't think that situation was that uncommon. In fact, I know more people who got their house deposits paid. I did pay for tertiary health insurace and a few subscriptions for my parents but that's about it. And when I did work P/T at uni, money was mainly for a fund for moving out though it got raided if my mother needed cash and rarely repaid which was annoying but not end of world.
gracki1@reddit
They emigrated to bumfuck nowhere , where o couldn't exist without a car and connections. So I emigrated again and barely can afford to live on my own.
I love them but I still hate them for that
himit@reddit
why do parents do this?
My grandparents retired to bumfuck. My mum teased them about it...but has now semi-retired out to bumfuck.
They're young yet, but I hope they move back to civilisntion when they get much older.
evenifihateit@reddit
I live in a city. It's expensive. When my kids are grown I am going to move out somewhere cheaper and quieter. I loved the pace of life here when I was younger but am getting tired of it now. I don't want to go somewhere rural and hard to get to but smaller, cheaper, quieter really appeal in a way they just didn't 20 years ago.
gracki1@reddit
Thing is if they move on their own. But hauling and ruining possible future of their children is a problem
SpecialistReach4685@reddit
Agreed. Getting to work as a kid who lived in the middle of nowhere was horrible. My mum would have to drive me half an hour to get to work and it couldn't be any later than 8pm and I couldn't work every weekend because of her rules meaning I barely learnt anything. Then when it came to learning how to drive I had to use all that small amount id saved for it and it took months to even find an instructor willing to teach me because of how far out we lived. Not to mention how it impacted me socially too, I was barely allowed to hang out with friends because her driving me to work was already "so much". And I had to lie about not doing work on the days she didnt want to drive.
Uber wasn't in that area. Buses were a 3 hour walk away without a safe area to walk on. Taxi's weren't reliable.
I will never understand why people think it's better to live in bumfuck nowhere with children.
Fattydog@reddit
How can you not understand that many people value peace, quiet, and nature over urban living?
It’s not a new thing to the human race you know; in fact quite the reverse
himit@reddit
Perhaps I should clarify 'bumfuck'.
My grandparents left London for a house on a lake, in Texas, down a dirt road and over a wooden bridge that washed out every few years, in a county that consisted of a single highway, a single post office, and a population mostly living in ramshackle constructions along dirt roads in the woods.
My parents left London for Australia with me, lived in a city there, and have now left the city for a house on a hill an hour outside of Hobart, Tasmania. Their road is paved up until the next house up; their little area has a single shop/petrol station which also handles post. They're on tank water.
Like, I'm not talking a nice quiet English country village here. I'm talking seriously rural living. I understand the want for peace and quiet but I don't understand why both sets wanted to go to such extremes!
TBF, all power to them. They're enjoying a quiet life. I hope my parents move closer to town as they get older like my grandparents did - having the nearest hospital be hours away isn't great in your old age - but for now, it's all good! It's a shame they're so far, though (I'm back in London with the kids).
salutdamour@reddit
Wow those are very different from London
Various_Dog_5886@reddit
Parents moved to the burbs or suburbs for the benefit of their children and then finally get to do something for themselves after 18 years perhaps
danddersson@reddit
My Dad retired when I was at Uni, and died two years later, so neither side was really in a position to help the other very much.
Scorpiodancer123@reddit
I was pretty good with money as a kid. Sometimes my parents would borrow £20-30 a few days before payday. They always gave it back.
They helped me tremendously by charging me next to nothing to live with them when I was saving for a house.
LittleRebelbunny@reddit
They expected me to help them by paying them rent since I got a job at 16, I would have been okay with if they had my step mothers daughter paying rent but nope it was just me as I was the only one in the house working whilst she was rent free.
I was very happy when I moved away, if I do visit I have the fear of them asking me for money as they don't work and are on UC.
Rough-Chemist-4743@reddit
I’ve always had some financial support from parents and grandparents. Fair play to people who haven’t - I’d be on the bare bones of my arse without a bit of help. I’d love it to be the other way but it just isn’t.
Moment_13@reddit
No, as soon as I left school I had to get a job if I wanted any money for the bus, cinema etc, so I worked part time through college. Once I turned 18 I was kicked out and had to find my own place to live.
It's hard to read about people who's parents let them live with them rent free, let alone those who literally gift them a deposit.
Wonky_Halo@reddit
Why is it hard? Do you equate parents giving money with love?
CLWggg@reddit
If it's this article you're referring to, then although they say their parents didn't help them financially, their parents charged them very low rent to live with them while they saved up for their deposit, so their parents very much did help them out financially!
https://www.derbytelegraph.co.uk/news/derby-news/derby-couple-cut-back-four-10951191
speedboat_jacket46@reddit
Good for them, but I've never understood why people are so keen to share their names, faces, and finances with the world.
I'd rather die than have someone Google me and find out my salary, deposit, and how much my house cost.
WDW1997@reddit
I wouldn't count that as helping them financially. They're young, it's not like they were 35 and moved back with their parents rent free to save.
WantsToDieBadly@reddit
I helped a lot. Giving birthday money on the promise I’d get it back and never did, helping them Out using my uni maintenance loan for 2 years, giving my savings to help with their rent
I no longer do so and it probably set me back a lot as everyone I know had their parents help them with somewhere to live whilst saving up etc
ScarletScotYew@reddit
I'm almost 40 and my parents still offer to help me out. I moved out when I was 16, but I moved home for a period when I was 24 and helped out with bills and food etc etc.
Adorable_Click_7071@reddit
I’m in a similar position
IllustriousWedding94@reddit
I started paying rent when I started work at 18 (it was 25% of my salary and went up with each pay rise). A few years later my Dad inherited around £150k and gave me £1k towards my house deposit. I didn't do anything major for them apart from a few grand taking them on holiday when I was about 30, as a kind of thank you for the deposit help. They don't speak to me any more so I'm really glad I bothered 😁
hughesyg@reddit
They still help me financially and I’m nearly 40! I’m very luck
JavaRuby2000@reddit
No moved out a rented a house at 16. The majority of the people my age in my rough working class area where I grew up would agree with their parents to say they were being kicked out of home in order to get housing benefits or even a council house.
1whoisconcerned@reddit
It was them helping me I’m ashamed to say.
maevewiley554@reddit
Don’t be ashamed and it’s nice to hear another viewpoint too.
No_Secret2322@reddit
Don’t be ashamed, parents are there to help their kids if they can, and it’s an act of love when they do help.
Various_Dog_5886@reddit
Don't be ashamed just because everyone here seemed to be working at 5 to put food on the table for their family. That isn't the norm at all
greenglossygalaxy@reddit
I’m sure being able to help you wasn’t something they regretted
stuaird1977@reddit
Why you ashamed, I'd always help my son
RiverGlittering@reddit
Yeah, there's no shame in it. If you're in a position to help you do so.
To me, it's just a problem when people forget that not everyone grows up in a similar situation.
SpudFire@reddit
No. And they only charged me token rent to cover food and whatever extra the bills were compared to if I'd moved out.
Obviously there are families where the parents are struggling financially and need their kids to contribute more. But there are also a lot of parents that basically profit off their kids once they're old enough to work by charging them the market rate for rent in a shared home.
Hunter037@reddit
I lived at home until the age of 21 and never paid a penny towards household costs. My parents would have charged me a nominal rent once I left full time education, but I moved out before then
ProofLegitimate9990@reddit
Most people’s situations are more of a mutual benefit in my experience.
Typically working age adults contribute to the household, but it is significantly less than market rent and helps save up for a deposit.
Reddit gets super weird about it though like having an adult contributing to bills is some heinous crime where parents are just taxing their children for existing.
WDW1997@reddit
You get the other side though where people find it disgusting that someone in their late teens or early 20's is still living at home to save. For some reason many people think once you reach 18 you should be kicked out and have to rent somewhere.
Independent-Loan-581@reddit
I had two jobs and full time university, gave all my scholarships and bursaries away. every penny I gave it away to my family. We were just starting to get out of homelessness and covid kicked. Things were rough.
Exita@reddit
When I moved home after University, before I got a graduate job, I lived at home for two years whilst working in a shop on minimum wage.
Offered to pay my dad rent etc, and after inquiring how much I was earning, he pointed out that I could hand him every penny I earned and he’d hardly notice. Would impact me pretty badly though - so he’d rather I kept in and saved for the future. He ended up not even expecting me to pay for food.
All that said - he only did so because I was ‘making myself useful’ as he put it. I had a full time job and was helping round the house. I also was planning to leave. Had I just sat about and played computer games, he’d have charged me for the air I was breathing.
speedboat_jacket46@reddit
I wasn't quite in the same position, but my parents also took the approach that your dad did.
I worked three jobs during uni, and it was agreed that I'd pay a token amount of £30 digs per week. I justified this in my mind because my parents didn't have a mortgage to pay (they weren't rich, just benefitted from Right to Buy and then never moved), and I was working so much I was barely at home to use up utilities etc. When I got a grad job this continued, and after about another year of living with them I bought a place of my own.
Although my parents didn't gift me with a deposit strictly speaking, I did save as much as I could while living with them. Like you, I think the informal agreement we had was "work hard, and have a plan to leave".
EugeneHartke@reddit
Depends what you mean.
Once I finished my a levels I had to pay them rent. £50 a month (back in 1995). But I got a roof over my head, paid no bills and was feed. I also had to help out with chores.
But my parents also supported me with some small donations whilst I was going through Uni. After that I was on my own.
ExitNo48@reddit
I started work at 14, paid for my own stuff
TeamOfPups@reddit
My parents partially contributed to my costs for university. I graduated in July 2002, and in August 2002 I moved to London to join a graduate scheme. Since then I didn't give my parents any money and they didn't give me any money.
WDW1997@reddit
I gave my parents a very small amount of "rent" when I started working but other than that, no, and I can't imagine having to work to help them out. They didn't provide me money (directly) but being able to stay with them until I was able to purchase a house was good
imtiramisu2025@reddit
I left school to get a job and help my mum financially as my abusive father left her in thousands of pounds worth of debt
CharieRarie@reddit
I was very lucky, my parents helped me and my siblings out a lot with things like deposits for homes, extra groceries when we were skint, taking us on holidays even when we were adults. I was extremely blessed to have them ❤️
Iamtir3dtoday@reddit
I started working at 14 and left home at 16. I didn’t contribute to family bills but immediately stopped getting any pocket money and was expected to completely fund my own toiletries, social life, phone etc.
Chance-Bread-315@reddit
Middle class 29yo here, almost all of my social circle are uni grads - I know lots of people who've been open about the fact that they've had help from their parents for things like house deposit etc. and many more who I suspect have had help over the years but don't talk about it.
I've had help from my mum in the following ways:
I only know one or two people who've helped their parents out financially, and know a couple more who are prepared/expecting to do so in the next few years (e.g. one friends mum needs a new roof she can't afford).
No_Secret2322@reddit
My dad helped out his parents massively and some of his siblings (my dad was an immigrant from Pakistan, most of his siblings stayed in PK) he sent money back to his mother and improved their financial situation massively from the age of 15, I’m talking building his siblings houses.
And, the same dad, refuses to accept a penny from his kids, me and my siblings secretly transferred the SKY TV package over to our name years ago to pay the bill so he wouldn’t find out because if he did he would be quite annoyed about his kids paying bills in his house, he’s more about he’s there to provide for us not the other way round.
I bought him 2 hoodies recently and he wouldn’t accept them till I told him the price. We went back and forth for a while as I told him it’s a gift and eventually he gave in.
Reddit____user___@reddit
Yep, I paid my way as soon as I was old enough to work.
Fellsy8@reddit
Once I started work at 16, my mother took a token amount off me for my keep. They did not need it but felt it taught me to pay my way.
I moved out in 1990 and my father helped me out greatly from then on until 2023 when I had a significant change of fortune.
VolcanicBear@reddit
They helped me. Paid me through university including accomodation, then gave £5k towards a house deposit.
My dad grew up on the ford estate in Birkenhead and was kicked out of his single parent household at 18 though, so it's hardly generational wealth. From what I gather, finances were a serious issue for us until I was around 8 or 9 and my dad changed careers.
Fattydog@reddit
There’s no right and wrong way here. Financial circumstances change, and cultural differences exist.
Some parents can help their children out, some need to rely on their children for support.
811545b2-4ff7-4041@reddit
Born '80, and my parents and grandparents said they'd match me when saving for a house deposit.. so on my 00s salary, I saved up £10K while also paying rent since I moved out after uni.
However, I know people who had far more significant assistance in jumping onto the ladder.
Now, I expect my own kids will be living with me till their mid-20s, and getting a significant assistance towards a home deposit.
himit@reddit
I got a job at 14 to pay for my own fun stuff, and at 18 was paying $50/week rent (we emigrated to Aus & at 18 my US Army dad had his child support checks sent to me instead of mum).
Moved out at 19, mum gave me the occasional $50 here and there. Then no help either way - she gifted us $2000 for my wedding, though. Now I'm 39, just had child #3 and am struggling, and she sent over a brand new pushchair from Australia which is quite pricey and I'm feeling very moved right now. (She asked what big ticket item she could get and I said well, we have everything, but the pram from the baby bank is honestly kind of terrible so if you would be happy to get a bassinet for our old (Aussie) stroller...and she upgraded us to a whole new set.)
No real help from dad in either direction; he's nicely set up in the states and I've never asked for money.
Husband's dad was lovely but bad with money and passed away leaving his wife with lots of debt; she's always had her own savings & lent us money here & there or paid for things. She's currently living with us so we're paying all her living costs, but she's also the reason we've saved on childcare for the last few years so this is a more quid pro quo deal! But when he was younger he wasn't expected to pay for anything, though he did get a job quite young.
HMS--Thunderchild@reddit
I'm 23, and my parents helped me out through uni, and bought me my first vehicle (little motorbike to get to work on my degree Year in Industry placement).
Not proud of it, but very thankful and I hope to repay them in time. I wouldnt have been able to get to work without them, and that role started me on my current career.
werewolfbutch874@reddit
My parents have helped me out a ton, not by directly giving me money but by allowing me to live with them well into adulthood with only a small monthly contribution to the bills. I was able to save up a lot more than I could have if I’d been paying rent. They did the same for my sister, she lived with them for a few years after uni while working 3 jobs and saving hard for a house deposit, and she was able to buy a house at 23yo which is incredible. So while she didn’t buy it with our parents’ money, it still certainly wouldn’t have been possible without them.
-Intrepid-Path-@reddit
My goodness, I don't think I have come across anyone in their 80s posting on reddit before
Various_Dog_5886@reddit
😭 exactly, everyone here was feeding the family before they even hit puberty, and somehow has never met anyone who's parents helped them as actual children
RiverGlittering@reddit
I helped them financially. I started working at 13 to help with food.
I do wonder what it's like to grow up in different circumstances.
Long-Woodpecker-1980@reddit
Same. As soon as I started working I helped with the bills.
That's continued throughout my adult life, even though I moved out 30 years ago. My mother would probably be living in an old people's home without my help.
PaulaDeen21@reddit
Mid 30’s here and they still help me in some ways I guess.
I am so very lucky to have grown up in that position.
Str8t_chels@reddit
i have been paying bills since 19 (when I was working full time)
spiffysunkist@reddit
I paid rent but not because my parents needed me to and this was given back to me when I bought my first house.
I did not help my parents out but I didn’t have pocket money or handouts. I was working from 16 so pay for things I wanted. They have never loaned my money and I have never loaned them money.
Various_Ad2320@reddit
Bank of Mum and Dad went a very very long way to affording our first house so they no doubt helped us. The rise in the property price in that time has probably contributed to more than 50% of our net worth.
I know how fortunate I am.
Jebble@reddit
My mom helped herself with my savings without my knowledge.
Alarming-Database-86@reddit
I started working at 14 and contributed board to help my mum with the bills. I’ve always done my best to support her, she’s an incredible single mum. I know she wishes she hadn’t needed my help, but it’s played a big role in shaping me into a financially responsible adult.
grimseverrr@reddit
Started a paper round and some light work at a newsagents at 13 and gave all my money to my mum for the food shop (which wasn't a lot) and ended up working behind the counter at a chippy by 15 when I got my NINO to pay a chunk towards the mortgage which was around £400 back then? Mum and dad had divorced and part of the deal was she paid the mortgage and we could continue living there as it was in dad's name - then ended up moving out at 18 after a lot of irrelevant details involving that money not being spent on what was basically her rent and never really had the chance to save, almost there for a mortgage deposit at 31 though which isn't too bad considering I never thought I'd live in anything that was a houseshare or studio flat :)
isitmattorsplat@reddit
I paid 20% of my parents mortgage and they gave me back 40% of my deposit.
They work hard so I'll be returning that ASAP.
D-1-S-C-0@reddit
I helped my mother after my father died. I'd pay for some of her bills and purchase more expensive items for her, like a mobile and TV. It's the least I could do after all the support they gave me.
PomPomBumblebee@reddit
Not really.
When I moved back to my mum's after university I struggled to find work. When I finally got a job as a cashier at a supermarket, I got a 20% discount which I'd help get shopping with and eventually you get granted another card for friends and family so as my stepdad did most of the grocery shopping I gave my card to him.
That time I was earning money I gave my mum some 'rent' money to help with the fact I was staying at their place. My mum gave me a little of it back when I moved out but I did my bit what I could and I always helped my mum or stepdad at work during bank holidays and inset days at the schools they worked at for free.
Complete_Step6068@reddit
helping how? i paid board if thats what you mean
Mr_Biscuits_532@reddit
I'm 24
Parents divorced when I was 3 so they're in completely different financial situations.
My mum helps me out occasionally. The main one was helping me get a deposit towards my mortgage a couple years back.
I help my dad out much more frequently, although its not by quite that much money. He's even floated the idea of moving in with me, at least short term.
Danimalomorph@reddit
As soon as I had a Saturday job (16 - 1996) I started getting billed for things at home.
nakedfish85@reddit
Are you me? (but five years older)
Mundane-Topic-8214@reddit
Now both parties in a couple work full-time outside the home. Many people who were born in the 70s and 80s benefitted from things like free university education and 100%(+) mortgages and so were able to buy houses without the need to save for a deposit or pay off student loans. Those with young grown children are probably one of the most well-off generations as a whole (don't get me wrong, a lot of people didn't do so well).
DualWheeled@reddit
I lent my dad 5k when I was 18 to buy royal mail shares with when that went private.
If I'd known what was happening I'd have used the money myself to do exactly what he was doing with it.
Obvious_Armadillo_16@reddit
Both
Ok_Address5844@reddit
I was homless at 17 due to alcoholic parents.
Spent 5 years working an office job and delivering take aways in the evenings 4 days a week.
Bought my first house at 22. Refused to let my selfish parents dictate my future.
It was bloody hardwork, but it is possible.
tanoshimi@reddit
My parents were of the generation that benefitted from affordable housing, generous pension schemes, being able to retire at 65 (or earlier!), ...
that put them in a position to be able to financially support me, considering I don't have those things.
OddReference913@reddit
Yes after I got a full time job I used to pay towards living at home when I lived full time at home.
Made sense and gave me sense of reality for when I moved out and paid bills
Top-Significance8791@reddit
I helped my mum, gave her all my birthday money, money id earned, paid for the bills, paid for new boiler, car to be fixed etc. all while saving for my own house deposit
iffyClyro@reddit
Helped my mum with money a lot growing up. Had a job from the age of twelve.
Even now I still help her out.
We were poor, money was tight.
Now I’m pretty comfortable, not rich or anything but can afford to help out.
Normal-Towel-7909@reddit
I mean, neither really other than the things parents SHOULD help with when you are a child and can't work. Once I was out of school and could work, they thankfully let me live rent free but I paid for my own food and car etc. When I moved out or moved away to uni I did not get financial help from my parents. I'm 25F
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