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AIBU?

Share your dilemmas and get honest opinions from other Mumsnetters.

How to split finances?/Am I being a mug?

82 replies

ReasonableSplit · 24/09/2023 11:50

Interested in opinions on how you think is fair to split costs here.

I've lived with DP nearly 2 years, in his house (mortgaged, his sole name).
I'm child free by choice, he has one school age DC, with 50/50 custody with the mother. They coparent well and share costs reasonably fairly. Both parents fully involved, and their wider families. After school clubs are available and used, so he has time to work FT hours.

DP & I have been together nearly 4 years, but were friends for ages before that, then FWB then FWB & house sharing, then sort of a relationship. We keep separate rooms which we sleep in 95% of the time.
[Might not be usual but works for us, don't need comments on that aspect thanks.]

I say "sort of" because when I've tried to get clarification about long term intentions, he says he loves me and wants this to be long term etc, but isn't good at making any future plans or saying what that would look like. He's being assessed for ADHD, which is probably relevant to the lack of forward planning. So I still think of myself basically as a single adult rather than part of a family.

I earn a lot more than he does, currently probably about 4x, could be more if I worked full time.
He owes me nearly £50k, because I agreed to pay off various debts of his. We have legal agreements on this, but he's not yet been in a position to pay any of it back. He would only be able to pay me back in full in the foreseeable future if he sold the house.

He did have bad anxiety for a while, and I was ok with supporting him financially and emotionally with this for an extended period. But he's been sufficiently recovered such that he could have gotten a job for about 9 months now.
He does some freelance work in 2 main fields, but this doesn't bring in enough to cover his costs, and doesn't take more than 10-15hrs/week total.
He's agreed for months that he should get a FT job, but doesn't really apply to many, and is quite selective about what he will apply for. At this point I think he should take any job, and then work to improve it from there.

I was paying 50% of the mortgage to him as "rent", and buying all of the groceries. He pays house bills, which are the same as the monthly groceries cost for 3 of us. He quite often has to borrow extra money from me or his family to cover these costs.
I've also paid for significant improvements to the house, and there are more that should be done before winter.

He doesn't waste money or spend on things he can't afford, he's just not bringing enough in to cover his essential costs, let alone any extras.

For example, we manage only about 1 date night every few months, and I always pay for all of it. Which I wouldn't mind so much if he organised some of it, but I do that too, or it doesn't happen.

I'm getting pretty annoyed at his laissez-faire attitude to working and being able to cover his own costs.
I can afford it, but since I don't feel part of a family with him and there haven't been any moves towards any kind of long term commitment (not marriage, just agreements on what we want, what the future might look like and so on), I don't really see why I should.
It's also off-putting for the long term that he doesn't seem to think it's a priority to earn enough. He hates feeling the imbalance between us, but doesn't do anything to fix it. I don't need him to earn the same, I'd be fine if he got a job and worked a reasonable number of hours for a reasonable salary, but it annoys me when he doesn't work much and can't cover his costs, and there's no urgency to his job searching.

I have now said that I'm not going to pay rent anymore and instead I'll deduct that monthly amount from the money he owes me.
I'm hoping that will increase the urgency of the job hunt.

So:

  1. AIBU to stop paying rent and instead deduct it from the debt he owes me?
  1. How should finances be split here?

3.AIBU to think that if he doesn't step up soon financially I probably ought to get my own place & entirely separate our finances?

Love to hear everyone's thoughts in general. Thanks.

OP posts:
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Hibiscrubbed · 24/09/2023 16:31

My god, leave him. The relationship sounds awful. Force the workshy user to either get a job or sell his house, at which point call in the debts and then draw a line under the whole sorry business.

Stop paying for him to do fuck all, he’s totally using you.

Redwinestillfine · 24/09/2023 14:55

I would move out op. Then no rent and insist he starts paying you back via standing order as soon as he gets paid, even for a smaller amount.

ReasonableSplit · 24/09/2023 14:49

Thanks everyone for replying.

I did think it was pretty obvious I was being a mug, but he seems to think it's unfair that I was asking for formal repayments or an offset against rent, so I just wanted to get some other thoughts, given the income difference and that he has a DC to look after as well.

It's hard because if he's forced to pay his own expenses he'll be struggling or failing, whereas it doesn't affect me particularly, so it feels unfair that way because of the relative impacts.

And I suspect the extra financial pressure will have a bad effect on his mental health, which also makes me feel bad for him, and for DC, who gets impacted when he's in an episode of bad MH.

Someone (sorry, can't remember who) had a good point that I should probably get the Deed of Trust done regardless of my concerns about financial entanglement, as it will improve the debt position for me, and formalise rights to the house. So that can get done immediately, and then it's clearer. He's already agreed to it, so I don't anticipate issues there. And that can take into account the house improvements as well, which will tidy lots of the financial situation up.
Thanks for making me see that a bit clearer.

I think I just felt odd about buying into a house when I'm considering walking away. But in reality I've effectively already bought into it due to the debt, so I suppose it's reasonable to protect my own interests. And then I can make other decisions free from the financial overhead issues.

Happy with the answers received and conclusions from it, probably won't check in again.

OP posts:
JudgeRudy · 24/09/2023 14:44

This arrangement is ridiculous and non sustainable...not because of finances, but because you will lose respect for him. When that happens sex with be off the cards and you'll wonder whats left.
Why don't you suggest that he sells the house to you. Get it valued, knock off the £50k he owes you (plus interest) plus a bit for the renovations you've paid for....then tell him he can 'lodge' with you and contribute towards bills, keep etc. This way he'll have a lump sum so no excuse for not paying his way. If he chooses he can invest in a pension/plan for his child and the future. There should be no arguments about what he would be expected to contribute because it would be the same as what you paid him before. Your own mortgage arrangements would be your own business. Of course you could also move out and buy your own home. If he wants to stay over he can. If he wants to move in with you (and sell up) again he can. Even if you don't like this idea, put it to him and gauge his reaction. This should help you decide if this relationship is worth continuing with.

rwalker · 24/09/2023 14:30

This is 4 separate issues
paying rent absolutely why wouldn’t anyone

Food again fine it’s consumable household expenses he pays for other utilities you use

50k loan not something I would do but again if it’s done properly legal agreement fine and if he doesn’t pay it’s the same as any other loan peruse payment

home improvements you’ve lost me why an earth would you pay to improve someone else’s house

Olika · 24/09/2023 14:19

To answer your question: yes. You are being a mug.

Beautiful3 · 24/09/2023 14:08

Oh dear, you're allowing yourself to be used. That's not good for you. Honestly, if it were me I'd move out. Then ask for the £50,000 back via a repayment plan. If ignored, I'd contact a solicitor. Truth is, he doesn't need to work full time, because you'll pay for most things. He's just using you. But you've allowed it to happen. Just move out and date if you still want to. But be prepared for a load of emotional guilt tripping.

LittleOwl153 · 24/09/2023 14:06

You need to hang back on paying for him and his kid.

Firstly yes I think debt payment in lew of rent is a good plan. Get this in writing and file with the debt agreement. However you probably need to think how long this situation can go on and how realistic any serious level of repayment will be on this basis.

Then you need to look at the bills. You should be paying no more than 2/5ths of the bills... but can he afford to pay the rest? Or is that going to result in all of you being homeless... I think if he can't then you need to move out, suggest he takes a lodger to pay you back.

I'd not be spending ANY money on repairs and maintenance as you are not going to get any of that back unless you get to the point of completely owning the house...

Maybe there is an idea... buy the whole house off him, taking into account his debts to you and its fair valuaution given current condition. He can then rent it back from you with a usual lease agreement, which he can claim from UC if he isn't earning enough. (They will also 'encourage'him to work...) To do this you would need to move out of course, but it resets his finances again... I wonder if he would keep up with the clean sheet then...

I'd also have the icky if this was me OP... I think you are done here and need life to move on.

Bonjovispjs · 24/09/2023 13:59

What the actual fuck? He saw you coming a mile away 🤦🏻‍♀️

Inertia · 24/09/2023 13:52
  1. Invest in your own properties, don’t spend any more on his.
  2. Make plans to move out. In the meantime, continue to deduct rent from what he owes you.
  3. Seek legal advice about whether you can get a charge put on the house in lieu of repayments until he has paid back what he owes.

Why would he bother working while you’re paying for his house?

Sprinkles211 · 24/09/2023 13:42

Your basically a lodger shagging your landlord I'd pay your individual costs if you wish to remain living there but honestly he's take the piss won't commit to sleeping in the same bed but will take your 50k your his cash machine sorry hun I'd run and I have diagnosed adhd forward planning when you have a child and Bills is a priority no matter what is happening to you

kweeble · 24/09/2023 13:33

You need to get your own place so you’re safe in future. Then reassess your relationship - it’s odd that you’ve invested so much money but he won’t let you have any equity in the house.

gazpachosoupday · 24/09/2023 13:28

Do you have a charge on the property, that has been registered with the Land Registry?

MammaTo · 24/09/2023 13:21

It sounds awful tbh.

How would he afford his house and lifestyle if you wasn’t there to pay 50% of his mortgage and food shopping?

Id be out of this situation as soon as I could.

Cockmigrant · 24/09/2023 13:14

What the fuck have I just read??
YABVU to do anything other than leave him and start a legal route to get the 50K back.
He saw you coming...
You have been an absolute mug.
He manipulated you with sex and vague promises of a future but nothing concrete.
You are bankrolling this fucking leech.

Unexpectedlysinglemum · 24/09/2023 13:12

I actually agree with the pp above re taking legal advice. While he's happy now would probably be the best time to get your rights to the property written up- perhaps a deed of trust or something - to show that you have a 50k or eg 25% stake in the house. If you leave him after and Want your money back He can either remortgage to give you your cash back or he can sell - in that case YOU wouldn't be making him homeless it would be his inability or unwillingness to work full time would make him homeless.

I had a similar situation where an ex was made redundant in the pandemic and spent all his savings- I COULD have paid the mortgage for him but I would only have done this if I was getting equity in the property. It wasn't a properly I wanted to invest in (old and damp and rotting) so I didn't offer. (He then moved into mine I fell pregnant and then he left me! So make sure your contraception is good op)

PestoandPeas · 24/09/2023 13:11

Whatever his intentions, the unfortunate effect is that you are being taken for a ride, pumping your money into a black hole and are at least £50k worse off. I suspect if you go through everything, this sum will be far in excess of the £50k.
I would take steps to recover the money, now.

MeMySonAnd1 · 24/09/2023 13:10

1, yes that sounds sensible . I’ll give him a month to find ANY full time job but stop paying rent even if he doesn’t.

2, There is no point on trying to define if your current situation is fair, there are no incentives to work more for him, he is comfortable as the things are. If you have not realised as yet that he is willingly, or unwillingly, taking you for a mug, there is no much hope strangers will open your eyes.

  1. Start now, the way things are they are going to end anyway, save yourself some misery and a lot of money by starting the process of leaving now.
theduchessofspork · 24/09/2023 13:08

It’s good you don’t need the money back, because I don’t think you’ll ever get it.

Just move out and buy your own place and carry on with a semi-relationship if you want. Don’t lend him any more money.

Yes you have been a mug - never mind - just extract yourself now.

Aprilx · 24/09/2023 13:07

ReasonableSplit · 24/09/2023 12:45

Why? Because I can afford it and was being nice, knowing I likely wouldn't get it back for a while, but hoping he'd be able to sort his life out from a bad place with support, and make improvements, and pick up his responsibilities.

The first loans (~£20k) were pre-relationship when we were friends, to help with trying to get him back on his feet, clear all past debts, and help him be stable with his ex-partner and new DC. (I'm not the OW, they broke up long before we started FWB).

I do have other property and investments, so it's not critical to my survival.
I probably wouldn't mind so much if we were just friends, but in a relationship, I'd like a bit more equality.

We have discussed me buying in to this property, but tbh I would have to drive it (he's not reluctant, just disorganised), and I'm reluctant to be in any way financially officially joined to him.

I could get an order for sale on the property in the end, but it's pretty extreme and would make him homeless.

And for those asking - the sex used to be spectacular, but strangely enough, the inequality has meant I'm no longer particularly interested in it....

I’m reluctant to be in any way financially officially joined to him

And yet you have given him £50k. I think if I was going to financially entangle myself with somebody, I would rather it was official than unofficial.

BrawnWild · 24/09/2023 13:06

With interest, how many months would you need to stop paying rent for? By my reckoning, over 8 years to recover 50k. Is that feasible? Desirable? You dont really win if you make this decision.

Persipan · 24/09/2023 13:05

Persipan · 24/09/2023 12:50

Why are you paying for any of this shit? From what you've described, you're basically a lodger he's shagging. Sorry to be blunt, but you seem very financially entitled with this person given how you don't really feel part of his family or have any clarity about what your relationship even is.

Financially entwined, this should have said, sorry

ichifanny · 24/09/2023 13:04

Wtf did i just read . Op you are making him out to be some inept innocent with Adhd who can’t manage money but he sounds like he’s got himself exactly where he wants to be .

BrawnWild · 24/09/2023 13:01

I voted YABU to question 1. You cant just not pay, you have a formal agreement and it wasnt secured against his house.

But you absolutely should move out. He isnt committed to you and has shown you he will always take the easy option and you deserve better.

Fallenangelofthenorth · 24/09/2023 12:58

Are you sure you'd be able to force the sale of the house, given he has 50/50 care of his child? And it sounds like it's not well maintained from your OP?