Please or to access all these features

AIBU?

Share your dilemmas and get honest opinions from other Mumsnetters.

Does this sound financially fair?

883 replies

runningaway90 · 21/02/2024 09:36

Longwinded but hoping someone will read.. Just looking for advice as feeling a lot of financial stress at the moment and not sure how to handle the situation. Myself and DP bought an older house a few years ago and it ended up needing significantly more work than expected. DP has a large deposit partly from family gift and sale of previous home (his home and I paid 50% of mortgage for half the time he lived there). I had much lower deposit (about 20% of his) so was wiped out buying this house as contributed all of my savings/equity. I mentioned adjusting ownership % at the time to allow me to keep £5/10k back but he was not happy with this as he was already putting down much larger deposit.

When we moved in, we spent about £45k on various repairs within 6 months (boiler, kitchen, doors). I’ve been trying to save as much as possible to pay off everything we have done so far but still have around £5k to pay off my share on CC etc. He is constantly making digs that I need to save more anytime I rarely go out with a friend etc but I’m trying to save between £500-700 a month.

On top of this, I pay 2/3 mortgage payments to balance out his deposit which is further restricting my ability to save. There are still repairs urgently needing done ie. roof needs replaced. He is getting a lump sum inheritance and will upfront the roof but expects me to pay him back as soon as I can (before the above mentioned debt).

I feel like I am drowning in a never ending cycle of repairs on this house. I really want things to be fair but I feel like I can’t keep up and every month there is another thing he comes to me with that must get done. On top of it, he was the big driver to move here, I was much happier in previous new build we had bought but agreed to move as he was so unhappy there. I’d honestly rather downsize to take the pressure off and have my life back but there is no way he would move again and certainly not somewhere with lots of neighbours.

Am I being unreasonable to feel his expectations here are unfair? What can I do in this situation? I know I am an adult and got myself into this situation but struggling to figure out what to do and the pressure is making me so stressed.

OP posts:
ZebraD · 24/11/2024 10:11

I honestly wouldn’t bring the dog into the conversation regarding the split of the house. Don’t compromise, he will really take advantage. Just simply advise you are taking the dog when know you are going and the finances are in place.
Really glad for you that you have come this far. I hope you can feel happiness just around the corner . Keep going…

KTheGrey · 24/11/2024 07:38

Excellent news.

Is the upside of his acting like nothing has happened that you feel more emotionally detached, or is it just astonishingly weird?

He has as much (more) to lose than you do by dragging it out and making it go through the solicitors. Make sure your solicitors are savvy and do the sums and don’t let him rip you off.

And Congratulations! 🥳

runningaway90 · 23/11/2024 21:46

Lazypeopledrivemecrazy · 23/11/2024 21:36

I'm SO pleased to hear that things are moving forward OP, do let us know how he reacts once he realises how much he actually needs to pay you. Who exactly is going to work this out?

I haven't got too far with the practical stuff this week in all honesty but from what I know. We either agree between ourselves or our solicitors will negotiate til we agree, or go to court and waste all the money. So hopefully it can be agreed fairly easily for the cost but I think that will take me compromising a bit. This is where I hope to take the dog as a bargaining tool.

OP posts:
Lazypeopledrivemecrazy · 23/11/2024 21:36

I'm SO pleased to hear that things are moving forward OP, do let us know how he reacts once he realises how much he actually needs to pay you. Who exactly is going to work this out?

runningaway90 · 23/11/2024 21:15

OlderGlaswegianLivingInDevon · 23/11/2024 21:13

Can he afford to buy you out, or does the house need to be sold.

Buying me out with the help of parents

OP posts:
OlderGlaswegianLivingInDevon · 23/11/2024 21:13

Can he afford to buy you out, or does the house need to be sold.

runningaway90 · 23/11/2024 21:12

OlderGlaswegianLivingInDevon · 23/11/2024 21:04

and are you starting to make appointments to view places to live, or are you sorted already.

I have been looking but no appointments yet until we sort out how much I will be owed and then timings for me to stop paying 2/3 mortgage. At the moment I don't know if I can afford to buy or just rent long term and can't afford to pay 2 places at once

OP posts:
Ginkypig · 23/11/2024 21:07

runningaway90 · 23/11/2024 20:55

Thanks all, had really busy week of work which has distracted me from it all. Phoned solicitor and appointment booked then next step will be house valuation. He's acting like nothing has happened, of course!

Well done @runningaway90

no advice as I have had a glass of wine 😳

but sending you well wishes and praise for how well you are doing!

OlderGlaswegianLivingInDevon · 23/11/2024 21:04

and are you starting to make appointments to view places to live, or are you sorted already.

runningaway90 · 23/11/2024 20:55

Thanks all, had really busy week of work which has distracted me from it all. Phoned solicitor and appointment booked then next step will be house valuation. He's acting like nothing has happened, of course!

OP posts:
ZebraD · 19/11/2024 03:36

runningaway90 · 18/11/2024 18:22

Thanks all really appreciated it. I'm feeling ok and really glad the counselling was booked for today. She is helping me to unpick the nasty things he has said and also trying to get me to take my "power" back. Just need to be strong and ignore all of his manipulation.

Yes be strong, know your worth!! Next stop solicitor ?? You’ve got this, you really have x

Moosegooseontheloose · 18/11/2024 22:42

Followed from the start OP and feel so pleased you’ve finally managed to break free of him.

Be kind to yourself. Take it a step at a time and its onwards and upwards from here.

DaphnesCafe · 18/11/2024 18:30

You have to pay 2/3 of the mortgage until it’s cleared? Apologies, I havent read the entire thread but surely the interest you are paying alone would be more than his down payment. A large down payment in part to you contributing to his last mortgage! He is taking the absolute mick. This sounds like a very controlling relationship.

runningaway90 · 18/11/2024 18:22

Thanks all really appreciated it. I'm feeling ok and really glad the counselling was booked for today. She is helping me to unpick the nasty things he has said and also trying to get me to take my "power" back. Just need to be strong and ignore all of his manipulation.

OP posts:
Cloverforever · 18/11/2024 18:17

I've been following your thread from the start op. I know how hard it can be to make that break. But you've done it!!! Well done.

Just take one day at a time, but keep moving forward.

Ginkypig · 18/11/2024 11:09

You feel broken the truth is you were broken before this you just couldn’t see it but you have already started to rebuild, you have been doing it inside the damage area but you have been tentatively putting little pieces in a pile, hiding them ready to put back together one day.

im really sorry I know this must feel awful but you are slowly getting towards the end and from here the damage he can do will hit less and less until you reach the light because you are closing off from him.

get everything you can out of therapy tomorrow. Maybe ask if you can book another session sooner so you can use one for this and the other to put together logistics and plan for what comes next.

tell your family immediately that you are no longer together. Also as you are still planning on being in the same house ask if its ok to call at a mutually agreed time just so you have someone checking in with you once a day as an extra layer of safety net.
tell your therapist unless I cancel that it should be a red flag if you don’t attend your appointment.

im not trying to scare you but you know this is the most common time for things to escalate and I want you to have some safety measures in place because you won’t have any safe space from him.
Personally I would talk to mum sister or a friend and ask if it would be possible if you need it to stay.
either way make sure everything important is away at one of their homes incase you find yourself having to leave for the final time without notice.

as far as the dog is concerned you’ll sort that however you can when you can but you can’t do anything until you are in a position of safety. I know that’s a horrible way to think because you love your dog but it’s the reality for now.

im sending you everything iv got @runningaway90 keep you head down and keep going you are nearly there..

Lazypeopledrivemecrazy · 18/11/2024 10:20

Like other posters OP, I'm sorry that you're feeling so broken, but sadly all too often we have to get to this point before we can move forward, so in that respect I'm glad that the scales have finally fallen from your eyes. Let us know how you get on with your counselling session today. Sending a hug to keep you strong.

CheeseFiend40 · 18/11/2024 06:58

I'm feeling so relieved for you, I've followed this thread since you first posted, and as time went on I've often thought about you in between your posts. It can feel so difficult to leave a relationship when finances/lives are so entwined, but there's always that 'straw that broke the camels back', and last night seems to have been that straw for you.

I feel like the situation will likely become very difficult for you with exDP and his mother, but all you need from this is what's rightfully yours financially and hopefully the dog.

Please continue to keep us updated, we're all rooting for you xx

AlertCat · 18/11/2024 06:02

Best of luck 🤞

Bigcat25 · 18/11/2024 03:16

So sorry you feels so broken op, but glad it's finally over. Wishing you peace and relief in the near future. Hugs.

ZebraD · 18/11/2024 03:15

Wow…I am sorry for your upset but also proud that you have got to a point where you can walk away. Although you may be hurt you have obviously found your inner strength to just end it.
try just to be practical now and get the finances split accordingly in terms of releasing your assets so that you can move on with your own place or otherwise.
really brave…well done. I hope it feels as though a weight has been lifted x

runningaway90 · 18/11/2024 01:57

Hey all, things are finally over. Spent the night having a big blow up about how terrible I am and him probably expecting to grovel to make everything right, and I'm not. I really feel absolutely done and broken at this stage and that he's tried to twist everything to be my fault. I have counselling tomorrow thankfully and I'm not going back. Logistics wise I'm in the spare room and will see how it goes, I'll leave if I have to but it will be without the dog at least in the short term. I've gotten to be point where I can't worry about the dog anymore, I just feel absolutely broken down. There's no going back from it this time though, so clear how much he manipulates it all and I can't do it any longer.

OP posts:
Bumblebeestiltskin · 08/11/2024 09:53

You'll get there, OP, and I promise things will be a million times better for you. I was in a relationship with a similar man (in fact I didn't realise just HOW financially abusive he was until I left and told people the full extent of our relationship), and I get the fear of the unknown in terms of leaving. Once you get the courage to take that step, your life will be so much happier.

Velvian · 08/11/2024 08:04

@runningaway90 . I think you should put the house on the market. If he won't agree, you need to engage a solicitor to force a sale. Even if he ends up buying you out, it will be the only way you can get what you are legally entitled to, rather than what he thinks is fair.

Alitequirky · 08/11/2024 02:15

I agree with this comment, based on what you have already shared it seems to me like he will continue to expect the same financial contributions from you but most likely you will be the predominant caregiver to any children. This will effect your earning potential. If you think you are stressed now having even one child will increase the stress by double (at minimum) if these conditions continue to exist.

Swipe left for the next trending thread