Our finances are fucked. DH had his own business which was doing well. He built himself up quite quickly and we had an affluent life. Then it got into trouble. He didn't tell me for months, hiding it by borrowing. He dug himself deeper and deeper into a hole and in the end the business folded. We narrowly - very narrowly - escaped bankruptcy as H was using our personal money to keep company afloat. As it is we are set to struggle financially for a long time (H has arranged installment payments).
Our life has changed a lot. Have moved to a cheaper area (renting now), DCs have changed schools and miss their friends, I have to do most of the financial stuff as H's credit is fucked. I was a SAHM and have now gotten a job after a lot of searching - night work in a supermarket. I am fine with that BUT I was supposed to be beginning my PGCE this september. I've had to give up the place on the course as we couldn't make ends meet or afford the childcare while I was doing the course.
All this mess etc in H's name alone.
I was angry with H - we nearly broke up over it. But he worked hard, laid himself bare, and is still working hard. He feels shit about it, he is working every hour god sends, he is really trying. But it's a long road. H is also totally hung up on restarting his business or going into partnership doing the same thing. Like he thinks if he can do it again he'll do it all differently. He always says "I did it once I can do it again". I feel like screaming when he says that. The world is different now and there isn't the demand there once was by a long shot.
My grandad left me some money in his will. £10,000. Left to my maiden name (I have a bank account in that name still which I use for lots of stuff).
I want to keep it safe for the DCs. It could make a huge difference to them. I KNOW H will want to use it towards the installments or to start up a new businesses.
I want to not tell him about the money. From googling I THINK I can do this legally (not declare it I mean). But I don't know. Or my mum would keep it for the DCs and make a 'gift' to each of them of 5k when they got to 18 - she could say she'd saved it up and has offered to do that. She would put it in one of those bonds or something.
It comes down to not trusting H not to waste it. Which is shit I know. Also am I shitting on our partnership as husband and wife by keeping it secret?
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AIBU?
not to tell DH about some money? Feel awful.
164 replies
threedollars · 09/08/2011 22:38
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