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What do you pay for...
 
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[Solved] What do you pay for over and above the CM payments ?

 
(@Will99)
Estimable Member Registered

Hi,
in my separation our son wanted to live 50/50 between Mum & Dad whilst our daughter chose (after a short while) to live solely with Mum.
In an effort to play as active a role as I could as a father post-separation, I offered to pay 50% of all expenses in regard to the kids regardless of where they lived (i.e. half of every expense except for social activities / holidays they undertook just with Mum, so it included all clothing, school lunches, pocket money, school trips, etc etc.).
Practically speaking to make this easy to implement I suggested that we have a joint bank account to which we would each contiribute a fixed sum per month, and each have debit cards to be used for such expenditure.
On top of this I also offered to pay an additional sum to my ex- for utilities / food for our daughter as she was staying exclusively with my ex- (this was calculated pro-rata based on actual expenditure when we were together as a family).
I didn't care if this arrangement was more expensive for me than CMS or not - my first priority was being as involved as I could in my kids' lives after separation. (In fact my son had a £2,500 school trip to South Africe that needed paying so I'm sure the CMS route would have been cheaper for me).

To put added incentive on my ex to accept my offer, I told her clearly that if she did choose to go the CMS route then that would be all that she would get from me and that I wouldn't pay a penny for anything else.
Now despite my offer - which I think is the fairest offer imaginable - to my intense disappointment my ex- rejected it and went the CMS route. I was absolutely livid as I saw it as a lose-lose-lose decision - financially worse for her, and also introducing a degree of separation between myself and our kids so emotionally worse for me and our kids.
I can only imagine that she calculated that she would be better off as she knew that I had a rental income from a flat I owned.
So anyway I was really angered about this because as far as I understand the CMS is there as a 'safety net' to ensure that otherwise unwilling parents paid their fair share in raising their children, but here that was not the case and from my perspective it was being used to actually diminish my parental responsibility against my wishes.

Anyway - given my warning beforehand that she would only get the CMS money I was determined to stick with that. Even though I desperately wanted to remain an 'equal status' parent and be involved in spending decisions for our kids just as much as her, I was determined not to end up paying CM AND a share of costs to my ex, as I had warned her beforehand that I wouldn't do that. I found this hard because our kids - being used to Mum and Dad being joint parents - would sometimes ask me if they could go on this school trip or have that jacket etc and it killed me on the one hand to say that Mum pays for that now but on the other really wanting to be responsible for this stuff. I made sure to explain to them that I really wanted to pay for all of this and had offered to pay but that Mum had decided herself to do something else instead where the government tells me how much I should pay to her each month and she pays for it all.

Anyway a side note to this is that because our son is listed as Shared Care Band Equal on the CMS claim, my ex thinks this means that I am supposed to be sharing costs with her as well as pay her CM ! And the ridiculous thing is - my ex has actually worked for the CMS for decades !

Anyway my main point was that in the end I do choose to give the kids some money and pay for some stuff even if I am not legally obliged to do so. So I continue to pay them some pocket money (although this itself is irritating because my ex- reduces what she gives them to account for what I give them - so I am effectively putting this money in my ex's pocket !) Though I am ok with this because at least the kids see money coming from me. I continue to save money on their behalf which they will get later. I also 'treat' them from time to time, and of course I also pay for social activities / meals out / holidays they undertake with me etc etc. My son is trying to go to Medical School next year and I have also agreed to pay half of some extra tuition for entrance exams to help him get in to that.
However that's about it. I'm somewhat uncomfortable with being so selective about what I will pay for, but as I say I would dearly prefer to pay half of everything and pay no CM. What I am not going to do is pay CM AND half of all costs.
I just wondfered what other parents pay for when they also pay CM. I think there is a wide belief on the part of the receiving parent that where a child is under 'Shared Care' in the CM claim then this means the paying parent has to pay CM and a share of costs, when in fact this isn't true - the paying parent gets a discount because they have to provide housing and food etc. when the child / children stay with them overnight.

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Topic starter Posted : 15/10/2020 6:10 pm
(@dadmod4)
Illustrious Member

I think you were very fair. What you could do is to set up a savings account for your daughter for when she's older - that way you are still paying towards her future, but she gets it when her mother can't get her hands on the money. I'd tell your daughter this, so she knows that you aren't about saving money (if your ex tries to bad mouth you to your daughter) and also tell your ex, as that way she knows what she lost out on.

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Posted : 15/10/2020 7:23 pm
(@hrabbit)
Estimable Member Registered

My thoughts are that it can depend on how much you are actually paying via the CMS. If the amount you are paying your ex is more than enough to cover your child(ren)s costs of living, including any treats, clothes etc, then it should be enough and no more is needed really.

If it is an amount where you think she is having to contribute more to make ends meet, then some other sharing could be considered as expected or needed - if you can afford it.

Clearly this depends on how much the father(NRP) earns, and this is taken into account in the CMS calculation, but I also believe it depends on how much the mother(RP) earns.

In my situation i am in a decently paid job, and my CM is £600 per month. That is still a substantial percentage of my net pay and when there are mortgages and cars etc to pay on top.
My ex however earns close to the same as me, but of course gets my £600, plus child benefit, and has no mortgage(courtesy of the divorce settlement).

She is rolling in cash, but would never admit it.

So I believe the answer to your conundrum is whether you think what you pay as CMS is fair and reflective of the true costs of bringing up the children, or if it is more or under. And of course related to how much you earn and your cost of living.

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Posted : 15/10/2020 8:29 pm
(@Will99)
Estimable Member Registered

@actd -
Well I already save money each month for both kids which they don’t know about, and I currently also pay them each some pocket money direct in to their accounts (not much - £17.50 per month each which was approximately half of what they got when we were all together) On top of my son’s £17.50 I also give him another £24.00 per month which was supposed to be 6 month’s school lunches averaged over a year (to account for the 6 months he would stay with me). So even now I am not sure whether I am supposed to pay for school lunches when my son is with me but anyway.

So are you suggesting actd that instead of giving them £17.50 pocket money each month, I add this to the existing savings I make for them, and inform both the children and their Mum that that is what I am doing ? I.e. to avoid my pocket money contributions effectively coming out their Mum’s pocket money contributions, but still benefitting my kids ?

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Topic starter Posted : 15/10/2020 9:54 pm
(@dadmod2)
Illustrious Member

i think to keep things simple, either stick to a private maintenance arrangement or CMS arrangement alone.

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Posted : 16/10/2020 12:22 am
(@spikeymcspikey)
Eminent Member Registered

The problem is that if you didn't pay an extra proportion of costs it would likely adversely affect the child.

I - like you - have 50:50 equal shared care and have to pay CM (disputed, still awaiting tribunal), plus I also pay the vast majority of shared costs, e.g. hobbies, school clothes, shoes, coats, haircuts, etc. The sad fact is that if I didn't our son would turn up in rags with hair down his back and not have the same opportunities as his friends. Don't forget the mother has no obligation to spend any of the money she receives in maintenance on the child.

CMS when ruling in my case stated that as mother received child benefit and also is registered as primary address at doctor and dentist (both free for children of course, and which I take him if he's staying with me) she is also entitled to child maintenance on top of having the child benefit. That isn't how the law is supposed to work but it's the way the CMS have interpreted it as a blunt instrument to assume the mother has the majority of "day to day care".

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Posted : 16/10/2020 3:59 am
(@semifinalist87)
Reputable Member Registered

You have been more than reasonable. Your ex has been very crafty in my opinion opting to the CMS route as clearly she thought that would get her more money, and that's what's most important to her, which is a shame. However, she clearly messed up there and is now missing out - tough luck, she made her choice, she will have to lump it.

As for myself, I'm on benefits, so the amount calculated for me to pay my ex each week isn't a huge amount admittedly, but obviously if I paid any more I would be able to afford food and clothes, etc, for when my daughter is here. If I was paying more I might do things differently, but as I pay less and I sometimes get a bit of extra money (back payment, money from relatives, etc), I try to put a bit aside for my daughter - some into her savings for when she is older, and some for things like clubs, school trips, etc. So I contribute extra at my discretion and I've told my ex this. I also make sure that apart from CMS, any money I contribute doesn't go directly to my ex (she financially abused me and can't be trusted with money). For example, I pay half of the costs for my daughter's performing arts club, but I pay that half directly to the club leader and my ex doesn't get a chance to pocket it. You might not need to go to that extreme though.

My daughter rarely asks about money, but when she does, she understands that I pay for what is here at mine, and mummy pays for what is at hers, whether it's food, clothes, uniform, toys, etc. She knows that me and her mum pay half and half for her club, and that I pay the full costs for her swimming lessons (she worked that out herself!). She's never asked questions concerning maintenance payments. I am sure that will come when she is older, but I will just explain to her that I pay a fixed amount which has been calculated by CMS to ensure that I have enough money left over to feed and clothe her, etc, when she's here, and if I had a bigger income then I would of course be paying her mum more.

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Posted : 16/10/2020 7:20 pm
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