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AIBU?

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Does husband need to take responsibility for this?

84 replies

Bucketbluebell · 10/08/2024 09:33

I'll start this by saying my husband is a lovely person. He's loving, reliable, hardworking, present etc.

He acts like every day is a celebration which in theory is very nice but in practical terms I believe is quite damaging.

He has a responsible and well-paid job. He has enough money for his part of the mortgage and bills but for any big purchases he definitely believes in taking out loans rather than saving up.

He is extremely generous with the whole family and loves to buy us all presents. The kids love it but mostly I make sure to avoid admiring anything near him because it'll turn up a few days later. The kids are overwhelmed with stuff. My husband is never happier than when he's out at the shops buying stuff.

He loves to eat well as well and although he is making serious efforts with the children and trying to understand healthy eating (though not doing it), he is health-threateningly overweight and we've already had to make a concerted effort to stop our older child going in the same direction.

Last week he received a letter from HMRC which he knows is related to an unpaid tax bill from last year, which he did make initial enquiries about at the time and then forgot. It's a significant sum, not crippling but enough to make life rough for a little while. It's not the first time he's neglected to deal with something important.

The thing is, half of me thinks that, while our children and our general finances are okay, I need to leave him to it. He's an otherwise responsible adult and must make his own choices.

But the other half of me really craves an equal partnership with someone with the same values as me. I strive to live carefully, to make healthy choices, to be environmentally responsible, to live simply and mindfully.

But I'm also weak willed and afraid I do crumble more than I ought. I have way more stuff than I need and I'm overweight as well as my diet has changed so much.

And I have to admit I have changed since we married. When I was younger I loved buying clothes, going to nice restaurants and drinking without a thought for the consequences.

So maybe it's all my fault for having changed. But I'm so tired of being the grown up and of being the one who always, always says no while he splurges on treat after treat with apparently no thought for the consequences.

What do I do?

OP posts:
Bucketbluebell · 10/08/2024 10:19

@GreenIvyy trust me we're both as bad as each other for forgetting paperwork!

And what does seeing red look like? I can't see that shouting or giving ultimatums will help, and it's really not worth breaking up the family over either. I feel powerless.

OP posts:
GreenIvyy · 10/08/2024 10:16

Sounds like hes a liability. Youre trying to live a life within your means so theres no surprises but hes buying stuff left right and centre. Id be worried he may have taken any loans out. Hows he paying for these “surprises”? Also, how can you just forget to follow up on a significant amount of tax to be repaid? I wouldnt be happy about this. Hes left you in shit street now and if he came home with anymore gifts whilst paying off, id see red

Bucketbluebell · 10/08/2024 10:16

Andthereitis · 10/08/2024 10:10

Hand it him and tell him you're married and you need to know what's going on with your family finances

He says he'll open it next week. I don't want to push him and make him unhappy, even though I'm unhappy not knowing what the situation is.

OP posts:
Andthereitis · 10/08/2024 10:10

Bucketbluebell · 10/08/2024 10:08

Thanks @LittleOwl153 . I'd like to live like that too! The truth is that he hasn't even opened the letter yet so we can't start thinking about budgeting for it. The only good news is that we each have our own accounts for our salaries so at least I can protect my money for essential expenses.

Hand it him and tell him you're married and you need to know what's going on with your family finances

CarlieF · 10/08/2024 10:10

It sounds like you need to meet in the middle. He's too far one way and you're too far the other way. You say you are comfortable financially. I wouldn't want to start living carefully I'd want the meals out/drinks out/nights out and so on. But a nice balance.

Bucketbluebell · 10/08/2024 10:08

Thanks @LittleOwl153 . I'd like to live like that too! The truth is that he hasn't even opened the letter yet so we can't start thinking about budgeting for it. The only good news is that we each have our own accounts for our salaries so at least I can protect my money for essential expenses.

OP posts:
LittleOwl153 · 10/08/2024 09:54

YES your husband does need to take some responsibility... and learn to be an Adult!

The living the high life, gifting and treats as a love language is all very well... but unpaid tax bills are going to come back to bite him - and likely you!

I'd struggle to live like this. I'd want a budget set up to clear the tax bill, and have some savings aside for things like appliances and other necessary/big spends. And I'd expect him to be honest about what other debt he has. The problem with being married is that his debt is your debt and if he wrecks his credit score it will make your life so much harder.

Bucketbluebell · 10/08/2024 09:53

@MsVestibule thanks so much for your advice 😊 I think counselling is a no-go as he hates talking about feelings.

But you're right I could be a better role model - it's probably in part my shortcomings there which encourage him to continue living like he does! If I get properly on top of it he might start to see the benefits.

OP posts:
MsVestibule · 10/08/2024 09:46

It's difficult when you've changed but he hasn't and he doesn't acknowledge that your current lifestyle isn't sustainable. Would he consider going to relationship counselling with you?

In the meanwhile, you can't change his behaviour, you can only change your own. You can choose to eat more healthily and exercise more (yes, I do know how difficult that is!), so at least your children have one decent role model in terms of health.

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