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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:
Bishopslaurel · 13/07/2024 13:29

Needanewname42 · 13/07/2024 12:29

@Bishopslaurel Do you mean, extremely mean people are proud of how far they can make their money stretch, ie grapes 🍇 lasting forever.
Or proud of getting other people to pay things for them?

The miser I knew explained it as a desire to feel special, important, taken care of, loved. We all want that, but the difference in them is they want to be the only special one in the relationship. And they don’t mind doing it in underhand ways.

Again, that fascist mentality of thinking in hierarchical ways.

It’s a very rudimentary way of viewing the world.

Venice241 · 13/07/2024 13:20

Needanewname42 · 13/07/2024 12:29

@Bishopslaurel Do you mean, extremely mean people are proud of how far they can make their money stretch, ie grapes 🍇 lasting forever.
Or proud of getting other people to pay things for them?

Both.
Mean people are obsessed with coming out ahead in EVERY single situation.
It consumes them.
They cannot continence not coming out ahead.
That's why I believe it to be a MH thing.

There is also this ugly satisfaction that they have gotten one over on others when they screw someone over, friend, family, spouse....makes no difference.

That is why it speaks to a huge lack of self esteem/boundaries when someone stays with someone like this.

If you value yourself, you actively protect yourself, simple as that.

Years ago I worked with a fine looking guy late 20's .....when I was early 20's.
The girls in the office and me thought he was real eye candy, gorgeous dark curly hair.
We were out a couple of times with colleagues and I heard one of the lads call him out for round dodging.
He was told to get up and buy HIS round and stop fxcking about.
That's ALL I needed to hear and told the girls not to bother he was a tight twat.
Some didn't think it was a deal breaker, some of us did...
Such an ugly trait.

Bishopslaurel · 13/07/2024 13:11

Needanewname42 · 13/07/2024 12:29

@Bishopslaurel Do you mean, extremely mean people are proud of how far they can make their money stretch, ie grapes 🍇 lasting forever.
Or proud of getting other people to pay things for them?

It’s merely about the psychological payoff of watching the numbers in the savings account change and grow. I would bet a crisp £50 this guy checks his a count several times a day. Even one penny more gives a psychological payoff, that’s why they will fall to such despicable lows as asking for £2.50.

Underlying all this is a need for control.

It may be easier to understand if you liken this to anorexia, the sufferer is harming themselves but they do not see or care because they are addicted to the psychological rush of the control they are exacting over their own body. It feels like a sense of achievement, a job well done.

What makes the miserly person especially odious is that they harm others with their desire for control, unlike the unfortunate person suffering from anorexia.
Probably comorbid with other psychological issues.

It is definitely abusive and the sort of behaviour that would appeal to someone with a fascist mentality, the relentless punishing routine of it all.

The misers on the dark triad ends of the spectrum will delight in the sadism of it all, so yes, the enjoyment will be the dupers delight, in which case, that’s very bad news for OP, making it imperative that she cuts him off completely and forever. Definitely should NOT criticise him when leaving, OP should blame herself or an outside source.

I’m so sorry you’ve had to suffer so long with this, OP.

@Rockrose94 , do not loose your trust in people, but do please react to things that do not feel right to you early on, and never allow someone’s financial status to be a reason why you stay. If a man has enough to get by, that’s enough, he will share whatever he has with you. This guy wouldn’t pour tap water on you if you were on fire, he will be concerned about the water meter.

If a man with wealth will wield undue power over you and you’re slightly susceptible to that, I would avoid them in future. Better to be with a poor dishwasher who loves and respects you and would do anything for you, that kind of love is priceless.

The future can only get brighter for you, once you’ve got rid of this man, they don’t come much worse than him.

Please DO come back to us and tell us how you’re doing, I have absolutely no doubt your life will improve in leaps and bounds, especially your mood. I can’t imagine how frustrating and demoralising this must all have been.

MalbecMel · 13/07/2024 13:10

He sounds dull as dishwater, don't waste any more of your life on someone who doesn't want to enjoy life with you as a partnership

mcmooberry · 13/07/2024 13:10

People aren't all bad which is why you will be having a wobble but that level of pettiness over money, which in turn has led to you becoming like that back, would definitely erode all the love you had for him over time. Never mind how he would be if you ever had a maternity leave, would no doubt expect you to pay half then too, I read about such men on here and cringe with sympathy.

Needanewname42 · 13/07/2024 12:29

@Bishopslaurel Do you mean, extremely mean people are proud of how far they can make their money stretch, ie grapes 🍇 lasting forever.
Or proud of getting other people to pay things for them?

Bishopslaurel · 13/07/2024 11:11

Rockrose94 · 12/07/2024 11:09

I do get where you are coming from. But a very horrible part of me doesn't really want to be the one who makes him self aware so that he can find a happy relationship. Although to be fair I doubt he would agree he's the problem anyway let alone do anything about it.

Sorry I sound like a total bitch with that comment and I'm probably feeling a bit bitter but honestly why the fuck do I care if he continues to mess up future relationships.

The important aspect to remember is that extremely miserly people are actually proud of their behaviour, and they enjoy being that way, that’s why it’s so difficult to dislodge this behaviour. They feel no shame or remorse and are impervious even to counselling.

My ex told me he had this problem with his ex wife and he went to counselling to “modify” his behaviour. He was still the tightest human being I have ever had the misfortune to encounter. He once gave me 2 grapes as a “snack”, two grapes, nothing else, said he wanted the small punnet to last two weeks. Surely it would be rotten by then? It’s complete insanity.

Imagine spending hundreds on counselling, only to still find it difficult to give more than two grapes.

Run, don’t walk.

And YES, I agree with your idea not to make him self aware, it means future women he meets can also run much earlier, rather than him having a chance to disguise his disgusting behaviour until he’s got his hooks into them.
Great idea to help other women not to waste their time with him.

How long was it before he began to pull these tricks when you first met?

No blame on you, most normal people wouldn’t think to notice this stuff until it got out of hand.

Gem2345 · 13/07/2024 09:55

This is not a partnership. If your chips were down he wouldn’t flinch and would see you drown. He’s a Scrooge. I couldn’t live with someone like this let alone be in a relationship with them.

AmandaHoldensLips · 13/07/2024 08:57

If he asks why you're leaving, tell him you don't owe him an explanation, but you do owe him £2.50.

Maybe then he'll work it out for himself...

Needanewname42 · 13/07/2024 00:29

montelbano · 12/07/2024 21:57

If he is out tomorrow, I would make sure that all my important things were packed and handed over to a friend. If you can, and he is not likely to notice, pack and hand over clothes as well. Also, take copies of important paperwork esp relating to finances, Good luck

I'd 100% agree with that.
If he's out tomorrow I'd start moving stuff out that he's not going to notice.

Kitkatcatflap · 13/07/2024 00:03

Be kind to yourself OP. Of course there will be a element of doubt. You have been with this man for 4 years. That is a long time when you are young. In those wibbly wobbly times,new read the thread and know you deserve better.

Rockrose94 · 12/07/2024 23:38

NotSoHotMess24 · 12/07/2024 23:15

I'm excited for you for Sunday OP. You should keep a note of the date, so a year later you can compare your life, and see how much brighter it is x

Thanks, I really hope so 🙏 a small part of me doubt is this the right thing but deep down I know it is! It's just been a bit of a whirlwind

OP posts:
NotSoHotMess24 · 12/07/2024 23:15

I'm excited for you for Sunday OP. You should keep a note of the date, so a year later you can compare your life, and see how much brighter it is x

Girliefriendlikespuppies · 12/07/2024 22:44

You've wasted 4 years on this man?! 😳

Why?

DancingLions · 12/07/2024 22:28

Just want to wish you luck this weekend OP. Hope it all goes as smoothly as possible. Here's to your new life! 🍾

TemuSpecialBuy · 12/07/2024 22:07

Rockrose94 · 12/07/2024 21:35

😂 I love this. I ended up meeting a friend for dinner and drinks tonight to chat to her about the situation. He's out tomorrow so I can pack some of my stuff and planning to speak to him Sunday morning, another friend has told me to check in afterwards and she will keep me busy for the day so just need to get a little bit of courage and tell him where to go 🙏

This is an equally great update.

Good luck for Sunday!

WonderfulSkye · 12/07/2024 22:05

How do you find him even remotely attractive? He sounds incredibly self centred and selfish.

My husband is so generous, I literally often forget to take my purse when we’re out as he always covers the bill. Having said that we have joint finances so it’s a little academic, but the gesture is there.

I would be having a serious discussion with your BF at the very least. Tbh he sounds a bit like a relative of mine, he’s had several partners move in with him…… and leave a year or two later ……!

Chazzasaurus · 12/07/2024 22:01

Chazzasaurus · 12/07/2024 21:30

When I met my now husband I was working part time, didn't drive and had no savings. He used to pick me up from work after waiting around up to an hour for me to finish work. This is when we had been together a few months. He wanted to spend time with me. Fast forward 3 years, we're looking to buy a property. I have little savings but earn slightly more than him. He puts £20k towards deposit, I spent my savings on things for flat. Fast forward another 8 years. We have a house, I earn nearly double his wage. We get paid into a joint account and have done since we bought our property. We take out money to spend on ourselves. Providing it's not a £100+ spend we don't consult eachother on if we can get X, we just get it if we can afford it as a unit. In my opinion this is the best way forward (as long as there are no children involved with old partners). I personally don't understand partnerships whose money is separate.
Note, we have our own personal savings on top of joint savings. We are quite lucky that we as a unit earn above living wage. However if we were to put in the same amount for mortgage and bills my husband wouldn't be able to put anything into savings for both joint and personal. We are a team, we enjoy the life we have as a partnership. My money is his, his is mine so that we can enjoy each other. If your partner is too tight to cough up for a meal what the hell are you wasting your time on him for?

Sorry, I wrote this after some wine myself and didn't see the whole post 😂 Thank god you are leaving this man. Congratulations, you have freedom and happiness heading your way ❤️

montelbano · 12/07/2024 21:57

Rockrose94 · 12/07/2024 21:35

😂 I love this. I ended up meeting a friend for dinner and drinks tonight to chat to her about the situation. He's out tomorrow so I can pack some of my stuff and planning to speak to him Sunday morning, another friend has told me to check in afterwards and she will keep me busy for the day so just need to get a little bit of courage and tell him where to go 🙏

If he is out tomorrow, I would make sure that all my important things were packed and handed over to a friend. If you can, and he is not likely to notice, pack and hand over clothes as well. Also, take copies of important paperwork esp relating to finances, Good luck

PossumintheHouse · 12/07/2024 21:50

Rockrose94 · 12/07/2024 21:35

😂 I love this. I ended up meeting a friend for dinner and drinks tonight to chat to her about the situation. He's out tomorrow so I can pack some of my stuff and planning to speak to him Sunday morning, another friend has told me to check in afterwards and she will keep me busy for the day so just need to get a little bit of courage and tell him where to go 🙏

What's he out doing? Spending lots of money with his friends?

Swimcoffee · 12/07/2024 21:49

Please report back. !

Rockrose94 · 12/07/2024 21:35

TemuSpecialBuy · 12/07/2024 20:08

I hope @Rockrose94 is playing irreplaceable on full volume while packing… and drinking rose

Edited

😂 I love this. I ended up meeting a friend for dinner and drinks tonight to chat to her about the situation. He's out tomorrow so I can pack some of my stuff and planning to speak to him Sunday morning, another friend has told me to check in afterwards and she will keep me busy for the day so just need to get a little bit of courage and tell him where to go 🙏

OP posts:
Chazzasaurus · 12/07/2024 21:30

When I met my now husband I was working part time, didn't drive and had no savings. He used to pick me up from work after waiting around up to an hour for me to finish work. This is when we had been together a few months. He wanted to spend time with me. Fast forward 3 years, we're looking to buy a property. I have little savings but earn slightly more than him. He puts £20k towards deposit, I spent my savings on things for flat. Fast forward another 8 years. We have a house, I earn nearly double his wage. We get paid into a joint account and have done since we bought our property. We take out money to spend on ourselves. Providing it's not a £100+ spend we don't consult eachother on if we can get X, we just get it if we can afford it as a unit. In my opinion this is the best way forward (as long as there are no children involved with old partners). I personally don't understand partnerships whose money is separate.
Note, we have our own personal savings on top of joint savings. We are quite lucky that we as a unit earn above living wage. However if we were to put in the same amount for mortgage and bills my husband wouldn't be able to put anything into savings for both joint and personal. We are a team, we enjoy the life we have as a partnership. My money is his, his is mine so that we can enjoy each other. If your partner is too tight to cough up for a meal what the hell are you wasting your time on him for?

Justanothermum42 · 12/07/2024 21:20

OMG! Just leave… honestly, what is the point of living like this? So daunting - I think I am getting depressed just reading about it!

TemuSpecialBuy · 12/07/2024 20:08

I hope @Rockrose94 is playing irreplaceable on full volume while packing… and drinking rose

music video beyonce GIF