Please or to access all these features

AIBU?

Share your dilemmas and get honest opinions from other Mumsnetters.

Being so tight with money?

984 replies

Rockrose94 · 08/07/2024 21:31

For context I have been with my boyfriend for 4 years, we live together and split the rent / bills 50/50. Our take home pay is very similar and I have an extra outgoing of my car finance which he does not. We effectively keep our finances completely separate, I worry how this will work long term as he has said he does not want to share finances at all as he has more savings.

Anyway the main issue just now is 1) he has bought me dinner once in 4 years, for my 30th birthday present. I took him on a foreign holiday and presents for his 30th. I have paid for nights away and meals for us several times when he has said he can't afford it as I wanted to treat him. I don't do this often any more as it's never been reciprocated 2) we split all food shops evenly but usually do our own meals during the week as I am dieting. He just stood for half an hour itemising up every item on the food shops over the weekend to come to the point that I owe him £2.50. Note that he will charge me half of the food we share but he would likely eat 2/3 of the meal. AIBU to be tired of this? It feels so tight , do other people itemise everything and charge their partner almost to the penny?!

OP posts:
Mix56 · 12/07/2024 10:27

Needanewname42 · 12/07/2024 09:47

@Rockrose94
You are absolutely right nothing wrong with wanting to be with someone who will treat you (as well as you treating them).
I think it's very important to be financially on the same page as your partner, wither you are both savers or spenders and reality is most of us are somewhere in the middle, spend some and save some (if we can afford to be)

However I'd move your important documents (passport, driving licence, bank and pension stuff) and any sentimental, valuable jewellery out first.

If you can move all your stuff out while he's not there then brilliant but I'd make sure that important stuff is safely elsewhere before you tell him

I was just going to say this, get your important stuff out.
He will fight for every last teaspoon

RosesAndHellebores · 12/07/2024 10:26

MIL married a mean man who kept a petrol lig book and despised extravagance, like buying the DC nice presents at Christmas, general treats, bunch of flowers, etc. MIL recounts tales of stretching an egg round 4 by making French Toast and justified due to the fact he grew up in poverty. His older brothers weren't like it. I was once told suggesting we got a G&T whilst waiting for fish and chips to takeaway at the local pub was "very extravagant". It was all excused by their poor upbringings.

Their DC remember the pudding for 4 always being stretched to serve five, always being a little bit hungry, sharing an ice cream cornet between three and taking turns for a lick. It was miserable.

He was made redundant shortly after his 50th birthday and did fuck all but count pennies whilst MIL worked for another 15 years and did all the housework. The house was never decorated the gas board and leccy board condemned the utilities and SIL2 suggested we whipped round to meet the £25k bill.

He died suddenly a year later. There was over £1 million in the bank. MIL too old to change her ways and too tight to pay privately for cataracts. She finally had her nhs pre-op appointment this week and has been told she is going blind due to dry macular degeneration. The cataract op might help a bit but not much.

Both SILs went to live abroad after university and have miserable memories and rarely visit the UK.

I just tell the story @Rockrose94 to help you realise what you are escaping. You deserve a better life.

beanii · 12/07/2024 10:24

Rockrose94 · 08/07/2024 23:20

No usually one of us pays and then will tally it up at home

So he knows exactly what he's doing.

It's like covert narcissism - 'behaves' in public but treats you like this behind closed doors.

Please, please, please leave him.

IDontHateRainbows · 12/07/2024 10:14

MarvellousMidgeMaisel · 12/07/2024 08:12

I had a boyfriend like this. When I left him he presented me with a spreadsheet of everything (he thought) I owed him going back 10 years. It was £16k worth of ‘my half of this dinner out’, ‘my half of fuel to IKEA ’ etc. He earned 6 figures, I barely broke £20k at the time. Run for the hills.

I hope you printed it out to use as toilet paper

twodowntwotogo · 12/07/2024 10:05

Rockrose94 · 08/07/2024 21:31

For context I have been with my boyfriend for 4 years, we live together and split the rent / bills 50/50. Our take home pay is very similar and I have an extra outgoing of my car finance which he does not. We effectively keep our finances completely separate, I worry how this will work long term as he has said he does not want to share finances at all as he has more savings.

Anyway the main issue just now is 1) he has bought me dinner once in 4 years, for my 30th birthday present. I took him on a foreign holiday and presents for his 30th. I have paid for nights away and meals for us several times when he has said he can't afford it as I wanted to treat him. I don't do this often any more as it's never been reciprocated 2) we split all food shops evenly but usually do our own meals during the week as I am dieting. He just stood for half an hour itemising up every item on the food shops over the weekend to come to the point that I owe him £2.50. Note that he will charge me half of the food we share but he would likely eat 2/3 of the meal. AIBU to be tired of this? It feels so tight , do other people itemise everything and charge their partner almost to the penny?!

I'm glad you're planning to leave him, the whole situation sounds absurd and he sounds a bit thick as well as selfish and rude. If he's going to quibble over £2.50 or the 'tide mark' on the wine bottle, where does it end? Should you weigh all the groceries and divide them exactly in half and then sell him back the extra 250g of mince he eats? If he 'can't afford' meals or nights away but has a load of savings you must feel like a bit of a mug.

While he comes across as a bit of a dickhead, ultimately you have different core values and expectations, so that suggests you don't have a happy long term future together. Get out now, and in future relationships don't forget core shared values are really vital for healthy partnerships.

MumsTheWordYouKnow · 12/07/2024 09:56

Hopefully the ghosts of his past, present and future will visit him, once you’ve left him that is!!

Sunnydiary · 12/07/2024 09:53

So glad you have seen the light OP.

I went out with a very wealthy and very tight man, and I think I hated him by the end. It’s so unattractive, and I was embarrassed by how much “extra” I ended up paying, in order to “prove “ I wasn’t a gold digger.

Agree with PP, don’t mention money. I would just say you don’t really fancy him any more.

Needanewname42 · 12/07/2024 09:47

Rockrose94 · 12/07/2024 09:16

Yes totally, that's why I'm not even going to go into the detail of the finances for him to tell me that I'm the problem. And you know what, even if I do want to break up and meet someone who will treat me to some luxuries and spend a little bit of money on me, I don't think there is anything wrong with that!

@Rockrose94
You are absolutely right nothing wrong with wanting to be with someone who will treat you (as well as you treating them).
I think it's very important to be financially on the same page as your partner, wither you are both savers or spenders and reality is most of us are somewhere in the middle, spend some and save some (if we can afford to be)

However I'd move your important documents (passport, driving licence, bank and pension stuff) and any sentimental, valuable jewellery out first.

If you can move all your stuff out while he's not there then brilliant but I'd make sure that important stuff is safely elsewhere before you tell him

beanii · 12/07/2024 09:46

You are room mates with benefits, not partners.

He can't afford to treat you to dinner but has more savings?

End the relationship and find someone who treats you like a partner. You deserve much better.

MumsTheWordYouKnow · 12/07/2024 09:46

When I hear this kind of thing I do wonder how does someone even want any kind of close relationship with a selfish petty minded person. It’s just got the ick written all over it.

RubyMentor · 12/07/2024 09:40

Life is too short for this shit. Can you imagine what it would be like if you had children? He'd be charging them rent as soon as they come out of the womb!

Flatbellyfella · 12/07/2024 09:31

Get rid of this asshole as quick as possible, give him his £2-50 on his way out.

TennisLady · 12/07/2024 09:21

OP I’m joining this thread late but just wanted to say I’m so glad you’ve posted and been able to have an awakening of how awful he is. Thank god you’ve realised this now rather than further down the line.
One day you’ll be with someone else in a more healthy relationship and when he treats you it’ll really hit you more how bad your ex was.

Redissuereader · 12/07/2024 09:16

Rockrose94 · 12/07/2024 08:42

Thanks for all the responses again all, it's been so helpful and I reckon the only reason I have probably realised all this so quickly is because of the resounding response I have had making it so clear that something isn't right. I won't lie that the news story the other day has made me a bit nervous about what someone could do after a breakup and although my bf is clearly a bit mental, I don't think he is unhinged enough to physically hurt me. I reckon he will just go with emotional manipulation. Either way it would be a lot easier for me to have an amicable break up and avoid him being nasty as much as I can so I reckon I will just go with we want different things for the future - which isn't a lie. I don't think me putting all the blame on him being a tight arse would help much. Main thing is keeping my head strong to know what he's been acting like and telling him all this just encourages him to manipulate it all.

I'm glad you have made your decision OP but at the same time desperately sad that you are even slightly worried about the response it may provoke, please keep safe. I, like you, have been moved by the story this week, again and again women live through "Men are scared women will laugh at them. Women are scared men will kill them" Tread lightly, get out however you can and be safe.

Rockrose94 · 12/07/2024 09:16

dijonketchup · 12/07/2024 08:58

Read as far as the fact that he won’t top up your wine glass during dinner together in case you drink more than your ‘ration’. Get out OP!
That’s not the behaviour of a polite man.

Prepare for him to gaslight you on the way out and tell people you left him because you are shallow and want him to pay for a more luxurious lifestyle for you. That’s not what this is. It’s HIM that is making this relationship transactional and all about money, NOT YOU.

Yes totally, that's why I'm not even going to go into the detail of the finances for him to tell me that I'm the problem. And you know what, even if I do want to break up and meet someone who will treat me to some luxuries and spend a little bit of money on me, I don't think there is anything wrong with that!

OP posts:
Nomore45 · 12/07/2024 09:15

I’m so pleased for you that you’re getting away from this mean (in every sense of the word) person.

I agree with PPs that if you tell him that you’re leaving because of his financial abuse he will find a way of spinning it to mutual friends and family that he is the injured party. “You are a freeloader/gold digger etc”.

If you end the relationship and tell him that you just don’t feel physically attracted to him anymore (which is true, because of his miserliness), that will really sting him and he won’t be able to justify it to himself or others that he was just protecting himself financially.

dijonketchup · 12/07/2024 08:58

Read as far as the fact that he won’t top up your wine glass during dinner together in case you drink more than your ‘ration’. Get out OP!
That’s not the behaviour of a polite man.

Prepare for him to gaslight you on the way out and tell people you left him because you are shallow and want him to pay for a more luxurious lifestyle for you. That’s not what this is. It’s HIM that is making this relationship transactional and all about money, NOT YOU.

user1984778379202 · 12/07/2024 08:54

Now RTFT – bloody hell OP! So many examples of his financial abuse, but the one about you sitting there not daring to drink another glass of wine because he doesn't like your glass being topped up more than his is just jaw-dropping! So pleased to read the updates that you are leaving him.

Needanewname42 · 12/07/2024 08:47

I can't find the comment but someone mentioned they'd move stuff out while he's not there, ie at work or somewhere.

I'd definitely do the same. You don't have cameras round the house do you?
Make sure you have family, good friends round to help you.

multimillionaire · 12/07/2024 08:45

Rockrose94 · 12/07/2024 08:42

Thanks for all the responses again all, it's been so helpful and I reckon the only reason I have probably realised all this so quickly is because of the resounding response I have had making it so clear that something isn't right. I won't lie that the news story the other day has made me a bit nervous about what someone could do after a breakup and although my bf is clearly a bit mental, I don't think he is unhinged enough to physically hurt me. I reckon he will just go with emotional manipulation. Either way it would be a lot easier for me to have an amicable break up and avoid him being nasty as much as I can so I reckon I will just go with we want different things for the future - which isn't a lie. I don't think me putting all the blame on him being a tight arse would help much. Main thing is keeping my head strong to know what he's been acting like and telling him all this just encourages him to manipulate it all.

Do what is best for you- you know him better than any of us.

I feel angry on your behalf and that he should know he's being a shithead but of course, its best you do what makes you the most comfortable.

You deserve better!

Jezzballs2000 · 12/07/2024 08:42

I've been really moved by your replies, anyone can find themselves in this position and you seem really level headed. A great future ahead of you! X

Rockrose94 · 12/07/2024 08:42

Thanks for all the responses again all, it's been so helpful and I reckon the only reason I have probably realised all this so quickly is because of the resounding response I have had making it so clear that something isn't right. I won't lie that the news story the other day has made me a bit nervous about what someone could do after a breakup and although my bf is clearly a bit mental, I don't think he is unhinged enough to physically hurt me. I reckon he will just go with emotional manipulation. Either way it would be a lot easier for me to have an amicable break up and avoid him being nasty as much as I can so I reckon I will just go with we want different things for the future - which isn't a lie. I don't think me putting all the blame on him being a tight arse would help much. Main thing is keeping my head strong to know what he's been acting like and telling him all this just encourages him to manipulate it all.

OP posts:
user1984778379202 · 12/07/2024 08:41

Haven't RTFT but I know someone who kept check on his wife's spending down to the penny and she was able to divorce him on the grounds of financial abuse.

multimillionaire · 12/07/2024 08:30

I would leave him and I'd be telling him exactly the reason why. You can express that in a respectful way, it's not either ghost him or be rude. There is a middle ground here.

I think he needs to know how his behaviour is coming across and how it is affecting others. Hopefully he will take a good look at himself and change his ways for the next person. If he doesnt then at least someone else can deal with his shit or he'll end up permanently single, baffled why no woman wants him.

1HappyTraveller · 12/07/2024 08:29

Rockrose94 · 10/07/2024 08:47

Thanks, I asked him outright last night and he said he doesn't trust that I'm not trying to benefit from him and he feels he needs to protect his money which just says it all . The never paying for dinner is put down to the cost of living crisis apparently and said we could go out more if I wasn't always out with friends... which its complete bullshit as I'm only out with them because we never go anywhere. Just gaslighting and turning it round on me. The conversation last night was beneficial as it's confirmed that we are just not on the same page. I didn't end things as didn't think it was a good idea at midnight after half a bottle of wine but I'm going to speak to family tonight and figure it out.

Good luck OP. You’re definitely doing the right thing!