to be upset with dh or am I over reacting?(95 Posts)
I'm going to return to work part time. At the moment all bills are split roughly 50:50 dh and I (I'm currently full time).
Dh earns more than me. I suggested to dh that we could continue paying our bills etc 50:50 but that as I'll be part time he and I would share my loss of earnings equally, I.e if I'm earning £500pcm less than before, he pays me £250 and so we're both £250 less well off.
Dh was up in arms at this suggestion and said he had assumed we'd carry on paying half the bills each, as well as the part-time nursery fees, leaving me with a lot less income and him a lot more. Aibu? I feel he's been really unfair about this, he can easily afford to make up half my loss of earnings, I'm not money grabbing and we both want me to look after ds on my days off, its just I don't see that I should have next to no money and him keep all his earnings...
You either need to put all money in one place and it goes towards everything, or pay in an amount towards bills that is proportional so you each have the same amount of spending money.
If you earn 40% of the total income and he 60%, then you add up all expenses and you contribute 40% of them and he 60%.
Is he unhappy at you returning to work ft?
Ask him, if he insists on 50/50, what he suggests doing should he lose his job or get in a position where he was unable to contribute 50%. His response will be pretty telling.
I think the clue is in the 'h'.
You are married. Money is shared.
(Or alternatively, you could charge him for childcare).
it's financial abuse imo
have you discussed you going part time?
" It was a mutual decision for me to go part time."
And yet he still expects you to cover 50% of the bills? Words fail me.
We work our finances VERY differently. All income goes to the joint account. All family expenses are met from the joint account. (Toys for DCs are most definitely a family expense.) We both also have standing orders that transfer money from the joint account to our sole accounts. We both get the same amount of personal money. DH's income far outstrips mine at the moment, but that is honestly irrelevant. We are one financial unit, not two separate ones. Your DH needs to rethink his attitude to money. You are not his flatmate, and your JOINT DC are his financial responsibility too (and that includes toys).
Sorry to keep mentioning the toys, but it just seems like such an indicator of attitudes to me, that what little you have you spend on the DC whilst he spends only on himself.
I don't understand how people can be married and not trust each other enough to share their money.
Jamie I'd go one further. I can't understand how people are married and can spend 'their' money while the other person has less and suffers.
I knew a couple who had their own money, wife used to grumble at the weekends when her husband could afford to go out and she couldn't!
I don't get this either. My DH and I only have one account - our account.
From reading on MN and amongst my friends, it seems we're in the minority though but thank goodness because I'd hate it to be any other way. Over the years, we've both had periods of time where one of us has been out of work for whatever reason - I can't imagine having to worry about proportional inputs to the family income etc during those times.
OP - I guess my way wouldn't suit you, it's a big leap from your current set up but certainly YANBU and your DH needs to adjust his expectations. I liked a PP's idea about asking him what would happen to his 50:50 idea if he was the one earning less/ not earning at all.
I disagree about there having to be a joint account tbh.
I'd hate not to have my own account but we both pay into a bill account to cover household stuff then any left over money stays in our personal accounts. He sorts the car I usually sort out the kids stuff eg clothes and activities. If one if us is running out or has a particularly big expense then the other will help out, it's called being concerned about the other person enjoying life as well.
Oh and since I had dd2 and went part time he pays more into the bill account and I pay less.
Have you talked to him yet op. maybe you should point out who is caring for his child whilst he ears his extra booty.
He is being unreasonable.
Each of you should be paying the same percent of your income on bills. Or, as you said, he pays an etra £250.
He is being very selfish
MrsTerryPratchet I don't get that either.
Although PD and I have seperate accounts, we each contribute 40% of our income to bills. DP earns more than me and his disposable income he spends on all of us, not just him.
"I don't understand how people can be married and not trust each other enough to share their money."
Exactly. OH's money and my money is our money. It all goes into one pot and everything gets paid from that pot. We also have separate savings accounts and the money for those also comes out of the joint account. I don't understand the "his money" and "her money" scenario between married couples.
How has this happened?
You earn less
You pay out more
You pay for all your kids stuff??
And now he wants you to have even less for yourself.
If it helps the way we split money is we have our own accounts, a joint account too. We both pay equal money in to joint account to pay for bills inc. mortgage and food.
I earn slightly more in a month so I pay that extra in to savings which are spent on us. I don't get things like a bonus but DH does. Again that's considered to be joint money but I do always make sure he gets something nice out of that like a jacket or a bit of tech he wants. He isn't fussed about this though.
Wat Jamie, Myheadinthesand et al said. I don't get all the splitting of bills, his and my money etc. in committed relationships where the partners have children together, may own property together, may be married - aren't those things bigger commitments than pooling the family income?
Dh and I have one joint current account and joint savings accounts. We check with each other before big purchases - I manage the family budget and know roughly what's in the account at any one time so I do expect dh to check with me when he wants to spend a substantial amount - but otherwise we are both free to do what we want with the money that's available, after essentials, savings and dc's needs have been covered. I ditched my own current account and had myself put on his a few years into our marriage. We have complete trust in each other in financial matters and I can't imagine either of us being financially abusive - but isn't that the way it ideally should be in a committed relationship?
OP, YANBU and your dh is being odd about this.
Your dh is being selfish. Does he pay for big expenditure - cars, holidays,
I hope you can set him right on this. Why not open some savings accounts you can both access as well as redressing the balance so you both have equal spends each month after buying dc essentials.
YA obviously NBU. Could you run through a hypothetical scenario and say as you'll have not enough money to live on a day to day basis, you'll have to go back to work full time and you'll both have increased childcare costs? Try and demonstrate that his idea is not logical?
Although why he thinks its fair to have more money than you and for you to spend more - I think your problems are bigger than this.
If he's not willing to totally revamp the family finances, then I strongly suggest that you not cut your hours to PT. Instead, you need to start socking away money so you can be financially secure should this go the way I think it may ultimately go....
We only have one account too. I have never understood all this faff about separate spends. It all goes in one, the amount for bills is there and the rest for spending.
Yanbu. However finances is handled that is not fair. I would not be going part time if that's his attitude, I would also be making sure that he also pays 50% of the children's clothes, toys, any days out or clubs.
We have a joint account, all goes in, bills go out, some to savings, we both spend out of the rest, checking for big purchases.
DH went part time when kids were born so earns much less and we felt it fairer this way.
There is another way.
How many hours are you working? How many out of a full time week is childcare. Charge him for the childcare!
Don't go part time while you are still married to this wanker.
We have separate bank accounts and one joint for the bills and mortgage.
I don't want to pay all my money into a pot, I enjoy wasting my money on shoes and pointless things.
I too am staggered at this "he pays, I pay" stuff between a married couple where there are no debt/serious over-spending issues. Family income, joint account.
Otherwise you're just going to have to bill him for a top-quality nanny's wages for the 2.5 days a week you're caring for his child. And make sure you clock off the minute he gets home and split the chores from then on.
Don't want to live like that? Then set him straight on his appalling attitude to his wife and family.
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