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AIBU?

Share your dilemmas and get honest opinions from other Mumsnetters.

Expecting my husband to contribute more financially?

215 replies

Defeatedmum · 03/09/2023 10:01

DH and I got married 6 years ago and now have 3 children (3.5, 2.5 and 0.5yrs). DH has always had a well-paid job, earning approx 150k a year through self employment and PAYE. I was paid 41K a year before having children, after which I went to part time and my salary changed to 24.5k (monthly income after tax/pension is £1,600). The 3 days I work, are the 3 days my children are at nursery. I couldn't go back full time as the cost of childcare was too much for 5 days nursery.

DH and I had bought a house after our 1st child and all my savings were used. I contributed 25% and he 75% to the total. DH was aware that I could not pay more than 25% of the mortgage and it was agreed he would cover 75%, especially as the mortgage was based on my full time salary and I was now part time. DH also pays for all bills whilst I'm on maternity but I pay for all the children's needs (food, clothes, belongings etc). DH has historically paid 75% for nursery fees and myself 25%.

DH is very money minded and has 4 properties which he rents out. He has now started a new business and now, with risings costs of mortgages, bills, building work, general living etc we are financially struggling. I am still on maternity leave and have little to no savings due to 3 back to back pregnancies. Financially we were very secure before having our 3rd so at the time, the decision to have a 3rd was okay.

DH is now refusing to pay for nursery for two of the girls (the youngest and will be looked after by my parents till she's 2, which my parents kindly did the same for my elder 2 to save on childcare costs for me). The current fees are £980/month for the 2.5 year old and £620/month for the eldest. We don't qualify for tax free childcare as my husband earns above the threshold.

DH is demanding that I quit my job and be a stay at home mum to look after the children. I will not be able to work part time and afford nursery based on my salary alone. AIBU to want to keep my job so that I also have a source of income? AIBU to expect my husband to pay for nursery considering his salary compared to mine, especially considering I am only earning statutory maternity pay?

OP posts:
Luddite26 · 03/09/2023 12:51

Yes @Palmtreesinwinter and prospective governments and current governments reinforce that it's a woman's problem.
government should lead on this instead of underlining that it's a woman's problem.

Rockandchips · 03/09/2023 12:50

I would photo copy all his paper work showing the propertys he owns and then I would see a lawyer about a divorce. You can be sure he will try and hide stuff so you wont get a penny. Be smart and plan ahead. P.s he is really horrible and abusive by the sounds if it.

Luddite26 · 03/09/2023 12:47

I am an old mum now but it is makes me so angry how women are still been trapped because they give birth or have lower paid jobs
The third child is so often the trap.
Do not give up work divorce first. Sorry if this is spoiling your time with your baby. Time he took some responsibility for his fathering.

billy1966 · 03/09/2023 12:47

Assemble photos on your phone of every piece of financial information you can.

Every pay slip, bank account, morgage information, shares, pensions, everything that you can access.

A forensic accountant would be a good call.
Get a recommendation for a solicitor.

Call Womens aid for advice.

By trying to force you to give up work, he is coercively controlling you.

This is a crime, a real crime.

You can report him to the police.
Getting advice is key.

Tell family and friends.

Stompythedinosaur · 03/09/2023 12:46

You'd be better off leaving him.

Cakeandcardio · 03/09/2023 12:44

Defeatedmum · 03/09/2023 10:24

I have told him that I feel he is financially abusing me. He brushes it off saying that other mums find ways to earn more and that I should look for a different job, which for me, at this stage of my life with the kids so young is hard to do.

BTW, I'm in the exact same position as you in that I'm a teacher working 3 days per week. It's fucking horrendous. You must also be sacrificing your health trying to spin all of those plates - planning, marking, keeping up to date with changes in the school, housework, looking after young children etc. Nevermind adding financial abuse to the mix. What a selfish fucker your husband is.

Hibiscrubbed · 03/09/2023 12:44

What an unbelievably financially abusive prick he is.

Divorce him. Pay for a forensic accountant if needs be. Annihilate him, financially.

Testina · 03/09/2023 12:43

Cakeandcardio · 03/09/2023 12:42

I'm not 100% sure of this, but if you divorced him would you be entitled to 50% of ALL of the properties? Plus child maintenance.

No, she wouldn’t. Not just like that. Financial orders are far more complex than that.

Ylvamoon · 03/09/2023 12:43

@Defeatedmum can you sit him down and have a look at ALL income, yours and his separately and at ALL outgoings, again separately.

Then look at it as combined household income... as he's into % and finance, you can then suggest a joint bills and household expenses account where each pays in their % to cover the bills and things like food for all and clothes for the DC and family days out. That's your family budget. Each should have acess to it.
If he’s difficult, make a financial case for your FT work and nursery costs.

This should then leave each of you with some pocket money to spend on yourselves.

Palmtreesinwinter · 03/09/2023 12:42

This thread should be handed to women when they get fitted for an engagement ring. I'm so sick of hearing women talk anbout childcare etc as their financial problem. Two parents, two contributors. In a relationship with kids all money should be pooled till everyone has food, clothes, care and a roof over their head. Fine if some people want a pot outside that. But until everyone has the same standard of living... same pot. I hope you get the support you need OP

Cakeandcardio · 03/09/2023 12:42

I'm not 100% sure of this, but if you divorced him would you be entitled to 50% of ALL of the properties? Plus child maintenance.

Greenfishy · 03/09/2023 12:37

I haven’t read the whole thread so someone else might have said this, but start getting ALL the financial evidence you can of his earnings, business finances, amount he owes and gets from rent on his houses, all of it. Print/take copies and electronic copies and hide them at work/your parents or somewhere. He will try to hide or get rid of it all if/when you start divorce proceedings.

ohhhhfffsss · 03/09/2023 12:36

Oh God not another of these threads.

When will people stop this ridiculous 'my money'/'his money' bollocks when they are married? Does nobody know what marriage actually means?

OP, see a solicitor. Tell the solicitor that your husband is likely to try to minimise his income and assets if you divorce. If you can, get access to and take photos/make copies of anything which will demonstrate that he is hiding income and assets (as that's what he'll do when it comes to it).

Marriage is not a fluffy romantic thing - it's a legal contract which means that the participants can pretend all they like, but the money is legally all in the same pot.

RandomMess · 03/09/2023 12:35

Do you know the addresses of all the rental properties? First thing I would do is register a financial interest in them so you can't transfer ownership to anyone else without you being informed and blocking it.

Testina · 03/09/2023 12:31

user1492757084 · 03/09/2023 12:17

I would see a finacial advisor together.
You both need some guidance. You might be investing wisely but you need to have a common, viable, plan for building family wealth; a plan that you both understand.
The two of you are working extremely hard and you need to spend/save in the most beneficial way.

This man has an interest in 5 properties, shares, earns £150K a year and already had a relationship with dodgy accountants. He’s also up to speed on the theory of hiding income to reduce impact to him of divorce.
And you think he needs a financial adviser? 🤣

Phineyj · 03/09/2023 12:29

Agree with last post. DC all girls probably not helping with misogynistic H.

Tangelablue · 03/09/2023 12:28

If you leave your job you won't have any access to money at all.
I bet he's the sort of man who swans round in the finest clothes money can buy while you have holes in your shoes and have to justify every penny you ask for.

Phineyj · 03/09/2023 12:23

I don't think seeing a financial advisor with someone so secretive and their partner who apparently knows only a little about the family finances is going to fly...

Delectable · 03/09/2023 12:23

You need to write down your estimated cost for the year and monthly for the household. Write down the total income earned by the two adults.
Eg £36k per annum estimated household expenditure, £120k from dad and £24k annual income from mum. Your income is 20% of his so the most you should contribute is 20% of what he contributes. The most unfair type of allocation will be to simply contribute an equal percentage into the household pot eg 30% of each adult's earning. This is because your parents are subsidising and not getting paid, you're likely doing most of the household chores eg shopping, cooking, cleaning etc which will require a full time nanny, cook, driver, househelp/cleaner etc not toention gestational carrier, wet nurse etc. You husband doesn't seem to see his wife and children as part of himself.
Really, he should contribute at least 40% of his income (£48k) and you can contribute 20% of that amount(£9600). This is proportionate to the incomes.

user1492757084 · 03/09/2023 12:17

I would see a finacial advisor together.
You both need some guidance. You might be investing wisely but you need to have a common, viable, plan for building family wealth; a plan that you both understand.
The two of you are working extremely hard and you need to spend/save in the most beneficial way.

HRTadvicepls · 03/09/2023 12:09

I really don't get the 'his money and my money' thing in a marriage. Marriage is a partnership, everything should be shared. You're both working so both of your monthly take home should be used for joint costs, of which childcare is one. You shouldn't be the sole person footing the nursery bill, the dc are his responsibility/cost too.

Monster80 · 03/09/2023 12:09

Definitely worth sticking it out in employment- besides career continuity- your pension is valuable. Unless your husband has offered to top-up your pension whilst you play house maiden? That’s if you even WANT to do this.

90yomakeuproom · 03/09/2023 12:03

Don't quit your job but please don't say you are 'financially struggling' as a couple on nearly 200k a year and 5 houses 🙈 It may be very offensive to a single parent on a minimum wage job who's balancing all the same things as you.
You need to organise your couple finances better really. Can you get an advisor? I also agree your husband is being a bit financially controlling.

SunRainStorm · 03/09/2023 12:03

Get copies of all the financial information you can, leave them with a friend.

Divorce him.

If he wants to try and lie to a court about his income, that's his business. Have the evidence to catch him in the lie, it won't end well for him.

Abusive prick.

Chippy4me · 03/09/2023 12:02

This is the most ridiculous thread I’ve ever read and I’m hoping it’s not real but I have a feeling it is.

You should not be financially struggling when he earns £120k a year and owns 4 houses.

You should not rely on your parents to give up their time to do childcare so you can save on childcare costs when he earns £120k a year and owns 4 houses.

He’s telling you to be a SAHP and then telling you to get another job?!
That doesn’t make sense.

He is at best cheating/planning to leave you and at worst financially abusing you.

He’s got 4 houses which will need to be spilt if you divorce him - you’d 100% be able to buy another property outright.

But you need to be very careful as I do believe he’d hide his earnings from you so for the next few weeks I would act as though everything is normal and get as much evidence of his income and assets as possible.

I would photocopy things like bank statements and house deeds or buy a new phone and take photos of it all and keep these as your mums.

I can’t help think that’s he’s the type that’s going to turn nasty if he thinks you’re going for a divorce.