We're aware that some users are experiencing technical issues which the team are working to resolve. See the Community Noticeboard for more info. Thank you for your patience.
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!

My son of 26 is moving back with me how much do I charge?

Options
So currently I am working but also receiving UC to have my rent paid for but when he comes back he will be classed as a dependant and my rent will no longer be paid for I'm assuming? This would mean I would be considerably out of pocket if this is true so what I'm trying to figure out is a rate I should charge. As long as I am no worse off now I'm looking to see how much he would have to pay. As currently he has his own business which he has just started so he is making very little but it is likely to increase. He says roughly about 10k just now to possibly 20k. I read up on a topic where 200-300 is reasonable? When he was staying with me I was charging £150 monthly. So when he comes back £73 will be put on top as a dependant will be staying with me on top of me having to pay rent meaning I'm £300 out of pocket. This would mean £450 would be suitable? So I've been telling him that he is best to get his own place? I think I'm on here to ask anybody that has real clarity of UC etc and how this may effect me

Comments

  • Savvy_Sue
    Savvy_Sue Posts: 47,327 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    He is NOT a dependent, he is another adult living in your home. 

    Is there any reason not to charge him half the rent, half the utilities, half the food? 

    I'm afraid I don't know what effect his return will have on your claim for UC, and I can't follow your sums at all. 
    Signature removed for peace of mind
  • Fireflyaway
    Fireflyaway Posts: 2,766 Forumite
    Fifth Anniversary 1,000 Posts
    There are calculators online that will let you know how this will impact on your UC. Essentially he would be a lodger if he is paying. Is that allowed in your tenancy?  Start by seeing how much it would cost to rent a room in a house in your area. If you need more than that, your son might want to pay less by renting a room rather than living with you. However I'm sure you would cook and do laundry so the deal might be better if he stayed with you! 
  • Martin_the_Unjust
    Martin_the_Unjust Posts: 1,070 Forumite
    Fifth Anniversary 1,000 Posts Name Dropper
    edited 21 April 2020 at 1:42PM
    Work out how much your total housing cost will be, including food, gas, electric, rates etc etc, divide it by two and there's your answer.
  • Sistergold
    Sistergold Posts: 2,135 Forumite
    Sixth Anniversary 1,000 Posts Name Dropper Photogenic
    Savvy_Sue said:
    He is NOT a dependent, he is another adult living in your home. 

    Is there any reason not to charge him half the rent, half the utilities, half the food? 

    I'm afraid I don't know what effect his return will have on your claim for UC, and I can't follow your sums at all. 
    My understanding is she will stop getting rent support if he moves in. I think it’s best your son stays by himself unless he will pay all that you will lose and also his feeding expenses. He is an adult so not there to cause stress on your finances. Just give him the full information of your financial loss and spell out your expectations. It’s best if he goes and shares with other people especially if you are already not in a financially privileged position. 
    Initial mortgage bal £487.5k, current £258k, target £243,750(halfway!)
    Mortgage start date first week of July 2019,
    Mortgage term 23yrs(end of June 2042🙇🏽♀️), 
    Target is to pay it off in 10years(by 2030🥳). 
    MFW#10 (2022/23 mfw#34)(2021 mfw#47)(2020 mfw#136)
    £12K in 2021 #54 (in 2020 #148)
    MFiT-T6#27
    To save £100K in 48months start 01/07/2020 Achieved 30/05/2023 👯♀️
    Am a single mom of 4. 
    Do not wait to buy a property, Buy a property and wait. 🤓
  • silvercar
    silvercar Posts: 49,564 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Name Dropper
    edited 21 April 2020 at 4:46PM
    https://www.entitledto.co.uk/help/non-dependants
    Suggests a deduction of £75.15 a month for a non-dependent.

    Same quoted on this site and says it applies for the housing element of UC:
    https://www.turn2us.org.uk/Benefit-guides/Universal-Credit-housing-costs/Housing-costs-contributions
    I'm a Forum Ambassador on the housing, mortgages & student money saving boards. I volunteer to help get your forum questions answered and keep the forum running smoothly. Forum Ambassadors are not moderators and don't read every post. If you spot an illegal or inappropriate post then please report it to forumteam@moneysavingexpert.com (it's not part of my role to deal with this). Any views are mine and not the official line of MoneySavingExpert.com.
Meet your Ambassadors

🚀 Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

Categories

  • All Categories
  • 351K Banking & Borrowing
  • 253.1K Reduce Debt & Boost Income
  • 453.6K Spending & Discounts
  • 244K Work, Benefits & Business
  • 598.9K Mortgages, Homes & Bills
  • 176.9K Life & Family
  • 257.3K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16.1K Discuss & Feedback
  • 37.6K Read-Only Boards

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.