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AIBU?

Share your dilemmas and get honest opinions from other Mumsnetters.

DH and the broken engagement ring

355 replies

AppelationStation · 15/06/2024 21:55

Short version: One of the diamonds has fallen out of my engagement ring. DH says we can't afford to fix it as we're trying to save (which we are). AIBU?

Long version: When we got engaged DH gave me a beautiful, old engagement right that belonged to his grandmother and her mother before that. It''s the nost special object I've ever had.

A couple of years after we got married, one of the diamonds fell out. We searched and searched but couldn't find the stone. That was 5 years ago. Since then, it has been sat in a box in my dresser.

We have been very hard up for most of our marriage, so I could understand not getting it fixed. Diamonds are hardly a priority when you're struggling to pay the bills. In the last 12 months things have been much better, largely down to me going back to uni through the pandemic, acing it whilst also homeschooling our young son when schools were shut, working my arse off since I qualified and almost doubling my salary in the last 2 years (it was low to begin with so not that much by mumsnet standards but still a big achievement).

DH earns barely above minimum wage in a skilled job that he adores and is brilliant at, but is in a v low paid industry. Whenever we've had conversations about money, his job has never been a thing he is willing to consider changing. He will always be a low earner, and any change to our circumstances will have to fall to me, hence my recent career decisions. I, on the other hand, am often criticised for 'spending' - even kids shoes that fit properly or kids clothes (or my own) that are not second hand are seen as self indulgent and wasteful. I've felt some resentment towards him because of this over the years, though now I just accept it, and can see a benefit to one of us not being massively stressed by huge responsibilities all the time. He's a very playful, present father to our DS. He's also very careful with money, organised and disciplined, which I'm grateful for. He is definitely a 'save until you can afford it' person. He consideres any (0% interest) credit card debt, or overdraft debt, however small, as a sign of trouble and would rather eat beans and not go on holiday and pay it off straight away, than accept a small amount and paying it down slowly and affordably. We have a 2.5k loan we used towards the cost of a vehicle last year, and about £500 in cc debt. We have no other debts, mortgage, car loans etc whatsoever.

I recently had a pay rise that equated to about a 20% increase. We agreed we would live as we currently do for the next 6 months, pay everything off and save more towards the deposit for a house (currently renting). I suggested we could look into the cost of getting my ring fixed and maybe do that too, as a kind of treat and gift to myself having worked to hard to get here. Today we found out that it would cost about £230. DH refuses to do it. We need to save the money / pay off things first, it's not a priority, no one needs a ring. Generally when it comes to money, what he says goes.

Now, I don't want a ring fixed with reluctance and resentment on my wedding finger, so I've had to drop it. But I feel a bit hurt tbh. More than I'd like the ring to be able to wear again, I'd like DH to feel proud of me, and grateful for how hard I've worked, and sad that I've not worn the ring he gave me when he proposed for the last 5 years, and for him to want to get it fixed too. He just doesn't really care that much.

I said "what if I could find the money somehow, maybe sell a few things?" (clothes, old kids stuff etc) and he replied "then that money should so into the pot, not get spent on stuff we don't need". So even as the higher earner, by some margin, I lack the agency to make this decision.

He says we'll fix it one day. When is it ever going to be a priority? I look at my wedding finger and feel a bit sad. The ring sits in a box. How old will I be before I can wear it again? What's the point of it if I can't?

I don't know. Sorry for the long post over a totally 1st world problem. It's not the ring, it's his attitude. Is he being tight fisted and mean, or AIBU?

OP posts:
Codlingmoths · 18/06/2024 03:49

You’ve noticed the extra in the spreadsheet doesn’t tally with your payrise- pay attention to the amount he has left after his contribution, and the amount his contribution varies as he ‘funds his overdraft’ he’s not just frugal, he’s deceptive and selfish and controlling. He’s spending money, it’s not in the spreadsheet and he’s not telling you, as well as he’s saving money because it’s not in joint but you don’t get to do that.
i know it’s not black and white but PLEASE change your contribution to the joint account. Lower it to what he contributes. You will feel so much more free knowing you’re growing savings and he can explain why you have to put it all into the pot and he doesn’t, and why you have to put it all in to the pot but dont get a say in the budget. You are worth it.

TimetoPour · 18/06/2024 02:56

I think you need to sit him down and sort the entire situation out. The ring is supposed to be a symbol of his love for you and refusing to fix it tarnishes that feeling. However it is not just about the ring. You are his wife and you earn a substantial amount of the income. Why does he get to say what every penny is spent on? He is not treating you as an equal and that is not ok. I would want to see and have access to all the family money too. It is admirable to be careful with finances but to live a joyless life because you are squirrelling away every penny is sad.

Grapesgrapes · 18/06/2024 02:31

AppelationStation · 17/06/2024 22:25

Thanks for all your posts. It's a lot to take in.

I don't know if it's financial abuse, it sounds worse written down. I donhave access to our joint account. I try not to use it to buy a coffee or clothes or anything because I know it will get scrutinised. I do keep a little bit back for myself (100 or so) for this reason. Its never enough to cover kids clothes, new face wash, whatever is needed that month.

I have asked for the spreadsheet and it's been shared with me. I haven't gone through it yet. I asked how much spare money we had at the end of the month, and he said what we should have, and I said "is that including my payrise?" and he said "yes". So I said "how the hell did we cope before then?" because it seemed a low amount and he said, "oh, maybe not, I don't know". That worried me.

I honestly think he's not super controlling, there's no malevolence (i dont think he could be arsed to calculate) he just thinks he's right all the time. And, if i'm honest, I don't think he really cares about me the way someone in love does. I think I'm the mum to his kid, and he likes things about me, and he wants life to be the way he wants it and thinks anything else is wrong. If he really loved me (as I do him), he'd put himself out. He seldom does.

I know mumsnet loves a neat ending but this isn't going to be one. I want to make it work. I want him to see my self worth. And if I can't have that, maybe I just need to find a way to manage until DS leaves home. But I will.plan and protect myself more in the meantime. I'm seriously reconsidering the house purchase.

Go easy on the LTB. Other people's lives are very black and white when you read them on social media posts. It's always more complicated than that.

If he really loved me (as I do him), he'd put himself out. He seldom does. I know mumsnet loves a neat ending but this isn't going to be one. I want to make it work. I want him to see my self worth. And if I can't have that, maybe I just need to find a way to manage until DS leaves home.

He's not going to change. If he hasn't seen your self worth already then he never will. Why wait until your son leaves home? Get your money out of that 'joint' account!! Keep your salary in your individual account.

Please don't stay with this man as he's just using you.

mandlerparr · 18/06/2024 00:49

And if he makes a face at you, tell him if he keeps doing that his face will stick that way and everyone will see him for who he really is.

mandlerparr · 18/06/2024 00:45

I can't figure out if you said you have access to the joint account or not. But, if it is a joint account, you have access. If he refuses to give you the sign in information, you can go to the bank and access it that way. Also, if you don't have access to the joint account, stop adding to it. I don't give a hoot how much you love him or how nice he acts when happy.
Never ever give another person full control over your money, your identity, your credit. I don't care if it is your mom, dad, spouse, priest, an accountant that has been in business for 50 years. You should have full access to all things in your name. You should have full access to the money you earn, not just a piddling $100 that you only guess at because you have no clue what money is actually going in and out of your life.
And if is lack of giving you that information is because he doesn't know and not because he is hiding that is even more reason for you to have access to it and see what is happening. You are either putting your trust in someone who is outspending your earnings or transferring it from the joint account to his savings (I don't care how many times he says it is for your own good, NO!) or you are dealing with someone who has no idea how much you all are earning vs spending but still setting aside money for just himself while racking up debt and blaming you for it.
I really hope that you have access to your account and that you are going to start paying attention to your family spending and earning and savings.
You don't want to wake up in 20 years, find yourself 60,000 in debt or more with your name used to open accounts and find out how many lies your husband has been telling.

Teenagehorrorbag · 18/06/2024 00:02

My DH would be the same. You feel that an engagement ring is special and reflects your feelings for each other. Your DH has a more practical view of things and doesn't get the sentiment.

I never had an engagement ring - we agreed not to bother. We got a nice gold band for the wedding from an antiques market. We are not romantic or sentimental and I don't really like rings that have protruding bits or jewels.

BUT - you clearly do, and you ring means a lot to you. My DH would be the same as your DH- so you need to just say how you feel!

Re the finances - we have a 'joint account' but it's in my name and we both pay into it for all bills etc. If it gets low I tell him and we both pay a bit more into it. It's in my name because I do all the financial stuff and it was just easier. All our finances are separate because I do our tax returns and joint stuff makes it more complicated. I'm not abusing DH - maybe OPs H is taking liberties but it's not a given.

MrsClatterbuck · 17/06/2024 23:50

I don't understand how you don't have access to the joint account. Retired now but in my 38 years of working in a bank I definitely don't recall seeing or opening a joint account that only one person had access cess to. I have seen where both parties if two account holders had to sign to withdraw money. I would be going into the bank and making enquiries. Bring ID. If your name is on the account I don't see how they could refuse to talk to you. I would be asking for a debit card depending on the type of account.

AppelationStation · 17/06/2024 23:45

HandsDown84 · 17/06/2024 23:35

You're not supposed to be like coworkers, running a home and bank account like it's a company with a miserly accounts manager. He seems to see you as some kind of financial and parenting employee, not a wife.

Yes, I feel a bit like that. Like he's a nice boss.

OP posts:
HandsDown84 · 17/06/2024 23:35

You're not supposed to be like coworkers, running a home and bank account like it's a company with a miserly accounts manager. He seems to see you as some kind of financial and parenting employee, not a wife.

MadMadaMim · 17/06/2024 23:22

Huge congrats on the studying and career progression. It's not easy to go back and study. You should be enjoying some of the rewards YOU WORKED HARD FOR.

You don't have access to the joint account? Why not? That needs to change immediately

How does he have savings in his name and you don't? This seems like madness.

He's chosen to stay in a low paid job. He cannot then dictate what you do with your money.

Whatever extra you take home from the 20% rise - I would not be putting into the pot. The family pot has managed up to now without it so it can carry on managing without it.

You do realise that his savings in his name are entirely funded by YOU! He shouldn't be able to save - those savings should be in the family pot!!!

He has a complete OCD control over finances and a spreadsheet that is regularly updated and reviewed but he can't remember if the version he sent you includes your pay rise

MASSIVE ALARM BELLS.

Please hear them.

AppelationStation · 17/06/2024 23:11

ResultsMayVary · 17/06/2024 22:57

He won't want you to leave, he has a very comfortable life with you. Given this you do have the power to choose to do the money differently.

If he says he's saving them you can set up a savings account too. Surely he can't complain if you are mirroring what he is doing.

Yes it will be uncomfortable but it's already comfortable. You'll just need to decide which uncomfortable you'd prefer. Maintaining the marriage doesn't have to doing everything his way. He is just as invested as you in maintraining it.

This feels very delicate and balanced. I don't usually read that on mumsnet, or hear it in life. I know there might be more you want to say, but thank you for your care. I helps what you say resonate.

OP posts:
caringcarer · 17/06/2024 23:07

That engagement ring is symbolic of your marriage, It's broken. Your DH doesn't value you or understand you. He has such completely different value to you. He wants his wife and son to wear second hand clothes and shoes. You have told him the engagement ring means a lot to you but he doesn't hear you. He selfishly refuses to get a better paid job but when you do study hard and improve your earnings potential he won't let you benefit from it. He'll always hold you back in this joyless marriage. Go out and get the ring fixed with money you earned. He should not have more say than you on what your earnings are spent on. I'd be keeping some money back each
month for personal spends for you and your DS. You shouldn't need to have to do that but your DH is financially controlling.

HelenTudorFisk · 17/06/2024 23:05

Think of how beaten down you are that you think him doing the dishes (which is a normal household chore and one he has forced you all into because HE refuses to buy a dishwasher) and running you a bath (but you’re not sure he’s not only doing that to get rid of you) are doing ‘nice things’ for you?
You really are worth so much more than he is treating you and I truly hope that over time you can come to see that in a way that empowers you to act - which is not about LTB, necessarily, either. It’s about having the belief in yourself to insist on redefining the terms of your marriage so that you are seen and your contribution is valued.

ResultsMayVary · 17/06/2024 22:57

He won't want you to leave, he has a very comfortable life with you. Given this you do have the power to choose to do the money differently.

If he says he's saving them you can set up a savings account too. Surely he can't complain if you are mirroring what he is doing.

Yes it will be uncomfortable but it's already comfortable. You'll just need to decide which uncomfortable you'd prefer. Maintaining the marriage doesn't have to doing everything his way. He is just as invested as you in maintraining it.

AppelationStation · 17/06/2024 22:54

He does do those nice things for me anyway. He can be dismissive and aloof when he's unhappy, he avoids eye contact a lot, he's not very demonstrative and seldom makes any romantic or heartfelt gestures. But he does run me a bath.

I do wo der if that's because he'd rather I was in the bath than bothering him.

I don't know.

OP posts:
HelenTudorFisk · 17/06/2024 22:50

Your updates are really sad, OP. If you want to make it work, and make him see your worth, I would reiterate challenging the situation by keeping your pay rise to yourself, and see his reaction. You need to believe in your self worth or he never will.
I also don’t think it’s a coincidence that you have gently challenged the financials and he’s doing these nice things for you - because that’s often what abusers do - try to lure you back if they sense their control of a situation is being challenged.

RandomMess · 17/06/2024 22:42

Be brave and challenge the financial situation.

Ensure you have full access and visibility of all savings and whose name it is in.

If that causes a shit storm then it is financial abuse.

Bette to take your time and not rush into house buying until you have the lay of the land.

Flowers
AppelationStation · 17/06/2024 22:38

He's just popped into the bathroom to offer me a drink and ask me to taste some rose syrup he's made. He's done the dishe, bedtime, and run me a bath. Happily. He's not all bad. But good people can behave in bad ways and do bad things. I do know that.

Marriage is hard.

OP posts:
poolemoney · 17/06/2024 22:31

I’ve read all your posts and it’s definitely financial abuse. He uses stonewalling tactics s when you don’t obey.

Divorce him sooner rather than later. He will get worse and the more you stay with him the more assets you will have to share with him.

AppelationStation · 17/06/2024 22:25

Thanks for all your posts. It's a lot to take in.

I don't know if it's financial abuse, it sounds worse written down. I donhave access to our joint account. I try not to use it to buy a coffee or clothes or anything because I know it will get scrutinised. I do keep a little bit back for myself (100 or so) for this reason. Its never enough to cover kids clothes, new face wash, whatever is needed that month.

I have asked for the spreadsheet and it's been shared with me. I haven't gone through it yet. I asked how much spare money we had at the end of the month, and he said what we should have, and I said "is that including my payrise?" and he said "yes". So I said "how the hell did we cope before then?" because it seemed a low amount and he said, "oh, maybe not, I don't know". That worried me.

I honestly think he's not super controlling, there's no malevolence (i dont think he could be arsed to calculate) he just thinks he's right all the time. And, if i'm honest, I don't think he really cares about me the way someone in love does. I think I'm the mum to his kid, and he likes things about me, and he wants life to be the way he wants it and thinks anything else is wrong. If he really loved me (as I do him), he'd put himself out. He seldom does.

I know mumsnet loves a neat ending but this isn't going to be one. I want to make it work. I want him to see my self worth. And if I can't have that, maybe I just need to find a way to manage until DS leaves home. But I will.plan and protect myself more in the meantime. I'm seriously reconsidering the house purchase.

Go easy on the LTB. Other people's lives are very black and white when you read them on social media posts. It's always more complicated than that.

OP posts:
Thalia31 · 17/06/2024 22:09

This is very sad. Is this really how you want to live for the rest of your life, with a man who expects everyone else to sacrifice but yet refuses to change his circumstances and stays in a dead-end job with no end in sight. So sad.

changeme4this · 17/06/2024 21:58

Wouldn’t the loss be covered under your house contents policy?

T1Dmama · 17/06/2024 21:56

AppelationStation · 15/06/2024 22:12

Yes, that's why I said it wasn't so much about the ring but about his attitude.

I just wish he valued me a bit more, and that my engagement ring meant something to him. I feel like I'll always be on the back foot, always have to work doubly hard, and still never be good enough for him to treasure.

I think you need to tell him this is how you feel!
To be honest though I don’t think I’d be buying a house with this man… you’ll be busting your ass and when it all goes wrong he’ll take half the house and half your pension!…
Maybe you need to tell him that since the ring means fuck all to him you’ll porn the ring and your wedding ring too…. Maybe you can use it to start divorce proceedings!! Wonder what he’d say to that!

Honestwife · 17/06/2024 21:08

Take control of your money and finances, seems so controlling and power hungry over not only
his money but yours too. You’re entitled to see this spreadsheet and see what is happening. Treat yourself, life is too short. It maybe too late for you to enjoy life when the time comes. Time to reflect on your marriage and your future with this person.

starryeyed19 · 17/06/2024 20:54

I post this A LOT but I do think it's one of the best things I have read

www.thebillfold.com/2016/01/a-story-of-a-fuck-off-fund/