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AIBU?

Share your dilemmas and get honest opinions from other Mumsnetters.

SAHP, money issues

545 replies

Belling112 · 04/09/2024 20:37

So I'm just wondering if I'm the one being unreasonable in this:

I gave up a job I loved to start a family with my husband. I have a DSC and we share 2 young DC. He pays for everything- rent bills, grocery shopping, and doesn't really consider me in discussion around family finances. He'll book a trip for us without first discussing it for example. Our rent is too high and we have a rubbish landlord so I've suggested relocating to a cheaper area. I also make suggestions re getting on property ladder, but nothing I say is really seriously considered (probably because I'm not working and not directly contributing to family finances).

So every month he sends me £250. Around half of this goes on my direct debits (professional fees which I want to keep paying since I do plan on returning to work eventually, my phone bill, Netflix). The other half I use for top up grocery shops, buying the odd toy for the babies, visiting cafes and museums with my DSC, public transport. I also spend on my DSC frequently, on stationery and school books. I see a private therapist occasionally. I don't buy clothes, rarely buy toiletries, have stopped gift giving for family and friends, and no longer take trains to catch up with old friends. My life since having kids is unrecognisable to the life I led before, but I've accepted this is the cost of motherhood.

I'm finding 250 just isn't enough, but my husband just tells me I need to budget better, and that it isn't always necessary to leave the house (and incur costs). It's a source of conflict for us every month when the money runs out. Yesterday I was at a discount supermarket buying some fresh fruit and snacks for the family, and my card got declined. All the children were with me. It was just awful. When I relayed the incident to my husband he just seemed unbothered and told me I needed to budget. But unless I stay at home, I'm not sure how I can make 250 last me a month.

I also must add that I am prepared to go back to work earlier than I had hoped initially, but my DC are too young to be eligible for free childcare and my DH refused to pay for childcare.

AIBU here? How do other SAHPs manage?

OP posts:
Thread gallery
6
Raininginparadise2 · 08/09/2024 17:33

Campergirls1 · 08/09/2024 16:50

Oh so lets be clear here.

HIS child has special needs and he coerced you under false pretences to become a SAHM to his child, with assurances that he would cover your costs?

Meaning he gets to continue to work and earn while you in effect are in servitude to him and his child.

I have heard it all.

I would be packing my bags and going anywhere and I mean anywhere and leave him to figure out childcare for his child.

You poor poor woman.
Please contact your friend.
Please go to your mother, tune out her bullshit.
Just leave him to the consequences of the financial abuse.

You could walk into any police station and ask for help.
Please do it OP.

This is such a bad man.
Of course he promised you the world.
He needed a childminder for his child so he could work.

You work 24/7 for £250 a month.

Edited

Absolutely this OP. He's got no love or respect for you. He's abusive and you deserve so much better. Gather your 2 children and when he's at work tomorrow walk out of the door for the last time. Go to your friends house or your mum's. Claim child benefit and universal credit. You can seek help from womens aid. Get out before he completely destroys you.

Oldanddelulu · 08/09/2024 17:05

What your dad did to your mum was obvious abuse. Coercive control and other forms of domestic abuse can be really insidious and hardly noticeable to anyone who doesn’t know the full story. Part of Coercive control is gaslighting. You are second guessing yourself and your feelings and wondering if he is in fact being reasonable. Would you think it reasonable if one of your friends couldn’t meet you for coffee because they couldn’t leave the house ( for whatever reason)? Some things in isolation may not appear to be abusive, but when you look at the bigger picture, ask yourself, have you been isolated in your house for the most part? Are you prevented from seeing your friends and family? Are you prevented from spending money on reasonable items for yourself? Are you slowly losing your identity and independence?

AliceInWonderland24 · 08/09/2024 17:03

@Newname5565 you seem to purposefully ignore the fact that it’s less the amount OP has issues with and more complete lack of autonomy/transparency/partnership she has in financial (and other) matters. If they sat down together and looked at the financial situation and made joint decision on spending priorities (among others rental costs/area, holidays of any etc) then OP might have felt different re situation.

@Belling112 I have read your latest updates and you may be painted as a monster here but I think you have to sort yourself out first and foremost. It’s a matter of survival and creating a foundation for a functional life wit your DC. Drop the saviour complex and forget about sorting out DSC, your parents etc. As a matter of fact I would go as far as to say that you should consider moving out and leaving all DC with your husband. It may seem a drastic step but if you stay and change nothing you’ll be perpetuating the cycle and passing on the trauma/unhealthy relationship dynamic to your DC. Move out, get a job, sort out finances, get on anti depressants if you are not on them already, get therapy and be one a strong, independent adult with agency. See your kids on the weekends/evenings for now until you are in a financial position to go 50/50.

Campergirls1 · 08/09/2024 16:50

Oh so lets be clear here.

HIS child has special needs and he coerced you under false pretences to become a SAHM to his child, with assurances that he would cover your costs?

Meaning he gets to continue to work and earn while you in effect are in servitude to him and his child.

I have heard it all.

I would be packing my bags and going anywhere and I mean anywhere and leave him to figure out childcare for his child.

You poor poor woman.
Please contact your friend.
Please go to your mother, tune out her bullshit.
Just leave him to the consequences of the financial abuse.

You could walk into any police station and ask for help.
Please do it OP.

This is such a bad man.
Of course he promised you the world.
He needed a childminder for his child so he could work.

You work 24/7 for £250 a month.

Newname5565 · 08/09/2024 16:40

IVFmumoftwo · 08/09/2024 16:27

He promised her. He was obviously lying but you trust your spouse usually. Hindsight is a great thing but you make it sound like it is her fault. At least UC will pay the childcare she needs to get a job and financial freedom. You talk like a man who has been divorced and lost half your assets.

lol, I can assure you, I’m a woman. I sound like a man because I take equal financial responsibility for the children I chose to create.

IVFmumoftwo · 08/09/2024 16:27

Newname5565 · 08/09/2024 16:18

Then have a conversation with him. It wasn’t a good decision to leave your job without being sure if your husband can afford to give your the lifestyle you want.

Tell me one thing, if he can only afford to give you the current lifestyle, would you leave him or stay with him and adjust your expectations (and expenses) accordingly?

It’s time for a solid conversation - you need to find out if he can actually afford to pay. If he still doesn’t talk finances, try couples therapy.

People here jump quickly to say “leave”. Being a single parent is hard. Life on benefits is hard. Just be sure you are not leaving a hard working man working to provide for his family. If you are convinced he is a nasty piece, you know what to do.

He promised her. He was obviously lying but you trust your spouse usually. Hindsight is a great thing but you make it sound like it is her fault. At least UC will pay the childcare she needs to get a job and financial freedom. You talk like a man who has been divorced and lost half your assets.

Newname5565 · 08/09/2024 16:21

IVFmumoftwo · 08/09/2024 16:04

Better to be poor on benefits than in an unhappy relationship. You obviously have low standards for a relationship.

OP is unhappy because she can’t freely spend money on going out, cafe’s etc. I’m only pointing out that her expected lifestyle may not be possible on benefits.

Newname5565 · 08/09/2024 16:19

IVFmumoftwo · 08/09/2024 16:04

Better to be poor on benefits than in an unhappy relationship. You obviously have low standards for a relationship.

I don’t see marriage/ relationship as a meal ticket.

Newname5565 · 08/09/2024 16:18

Belling112 · 08/09/2024 16:08

@Newname5565 My expected lifestyle was to buy deodorant, and to not wash my hair with 35p shower gel. DH wanted me to become a SAHM but I was happy to comply. He promised to cover my living expenses (including professional fees, in case I needed to go back to work). My DSC has special needs. I don't know what he can or cannot afford despite my best efforts to find out.

@BurntBroccoli yes, with my DC

Edited

Then have a conversation with him. It wasn’t a good decision to leave your job without being sure if your husband can afford to give your the lifestyle you want.

Tell me one thing, if he can only afford to give you the current lifestyle, would you leave him or stay with him and adjust your expectations (and expenses) accordingly?

It’s time for a solid conversation - you need to find out if he can actually afford to pay. If he still doesn’t talk finances, try couples therapy.

People here jump quickly to say “leave”. Being a single parent is hard. Life on benefits is hard. Just be sure you are not leaving a hard working man working to provide for his family. If you are convinced he is a nasty piece, you know what to do.

Belling112 · 08/09/2024 16:08

@Newname5565 My expected lifestyle was to buy deodorant, and to not wash my hair with 35p shower gel. DH wanted me to become a SAHM but I was happy to comply. He promised to cover my living expenses (including professional fees, in case I needed to go back to work). My DSC has special needs. I don't know what he can or cannot afford despite my best efforts to find out.

@BurntBroccoli yes, with my DC

OP posts:
Holidays78 · 08/09/2024 16:06

Sorry if you've said this and I've missed it, but are you under the GP for your depression and on antidepressants? If so it sounds like you need a review, if not it's high time you made an appointment x

IVFmumoftwo · 08/09/2024 16:04

Newname5565 · 08/09/2024 16:02

Also. I urge you to think carefully before you leave your husband. In a few years, your twins will be in school and you can easily go back to work.

Benefits will not be “generous”.

Better to be poor on benefits than in an unhappy relationship. You obviously have low standards for a relationship.

Newname5565 · 08/09/2024 16:02

Also. I urge you to think carefully before you leave your husband. In a few years, your twins will be in school and you can easily go back to work.

Benefits will not be “generous”.

Newname5565 · 08/09/2024 15:59

Belling112 · 08/09/2024 15:18

I'm not on the tenancy. He rented this house with my DSC before I moved in so he won't leave.

My mum is equally penniless. I do stay with her for a week or 2 at a time for some respite, but I don't want to burden her financially, and while I contribute as much as I can while I'm there, I cannot support myself and DC there for long (and I will not ask my husband). The last time I stayed there, me and my mum had an argument and she said some unkind things (demonstrating perhaps a degree of internalised misogony) referencing my husband, marriage, and my mental health. I don't really want to go back there at the moment.

It's been an absolutely hellish 3 years (although problems have been ongoing since I was a child). My father has abused my mum in ways you cannot imagine. I spent my entire 20s supporting my mum financially, and sorting problems between them. Trying to mediate, or getting others to mediate. Calling my dad's friends, family friends, in the latest case, lawyers and housing officers for my mum. The situation isinfinitely worse than I will ever be able to describe here. And this has been my entire life. I married this man to be free of all that. I was prepared to give up my entire life, my livelihood, the home I built for myself, and accepted being a SAHM and a full time parent to a child that wasn't mine, because I thought I was marrying a generous and sentient being. He knows all the issues I've had. He sees the horror that are my arms every day. I made such a mistake trusting him, against my better judgment. But I cannot express how strong was my desire to escape my parent's troubles and how much it had worn me down.

I've been really unwell since my teens. I self harmed a lot, my entire arms are covered in scars. I frequently overdosed on OTC PKs. I don't know how I'm still here. How I managed to work and study, and start a family. I've always felt so detached from myself, when catching my reflection, or not recognising myself in the mirror or in photos. The scary thing is now sometimes when I look at photos of my DC, I don't recognise them.

I could stay with my friend in the city I lived and worked in before I married. She doesn't know about the issues with my husband. I can just about afford an advance single if I book it in advance and midweek, but I don't know how I will support myself while I'm there, and for how long I could stay there.

I'm really sorry it was not my intention for the thread to go this way. Thanks again for all your support.

OP, I empathise with your past. However, you need to see the points im trying to make. If your DH makes under £60k, you cannot afford a lot of “nice things” on his income alone. Going somewhere, sitting in cafes, visiting aquariums, buying gifts for your family - these cost money. They are luxuries for some. Unfortunately, given the inflation and cost of living crisis, £60k doesn’t go far.

You said you had an offer for employment but your DH refused to pay for childcare. Can he afford to pay? Does he make enough to have that money left after paying for everything for his family? Even if he uses up his £30k savings, what after that runs out?

You said you gave up employment to be a SAHM. Is this something you both agreed on ? Or was it entirely your decision? You said DSS goes to school, what did you do when he was at school? What you mean by full time parent? Do you think working women are part-time parents?

You need to start putting numbers on paper. You said he doesn’t tell you about finances. Has he always been like that? How did you leave your job without knowing if he earns enough to pay for your expected lifestyle?

BurntBroccoli · 08/09/2024 15:35

Belling112 · 08/09/2024 15:18

I'm not on the tenancy. He rented this house with my DSC before I moved in so he won't leave.

My mum is equally penniless. I do stay with her for a week or 2 at a time for some respite, but I don't want to burden her financially, and while I contribute as much as I can while I'm there, I cannot support myself and DC there for long (and I will not ask my husband). The last time I stayed there, me and my mum had an argument and she said some unkind things (demonstrating perhaps a degree of internalised misogony) referencing my husband, marriage, and my mental health. I don't really want to go back there at the moment.

It's been an absolutely hellish 3 years (although problems have been ongoing since I was a child). My father has abused my mum in ways you cannot imagine. I spent my entire 20s supporting my mum financially, and sorting problems between them. Trying to mediate, or getting others to mediate. Calling my dad's friends, family friends, in the latest case, lawyers and housing officers for my mum. The situation isinfinitely worse than I will ever be able to describe here. And this has been my entire life. I married this man to be free of all that. I was prepared to give up my entire life, my livelihood, the home I built for myself, and accepted being a SAHM and a full time parent to a child that wasn't mine, because I thought I was marrying a generous and sentient being. He knows all the issues I've had. He sees the horror that are my arms every day. I made such a mistake trusting him, against my better judgment. But I cannot express how strong was my desire to escape my parent's troubles and how much it had worn me down.

I've been really unwell since my teens. I self harmed a lot, my entire arms are covered in scars. I frequently overdosed on OTC PKs. I don't know how I'm still here. How I managed to work and study, and start a family. I've always felt so detached from myself, when catching my reflection, or not recognising myself in the mirror or in photos. The scary thing is now sometimes when I look at photos of my DC, I don't recognise them.

I could stay with my friend in the city I lived and worked in before I married. She doesn't know about the issues with my husband. I can just about afford an advance single if I book it in advance and midweek, but I don't know how I will support myself while I'm there, and for how long I could stay there.

I'm really sorry it was not my intention for the thread to go this way. Thanks again for all your support.

Would you take your kids with you to see your friend?

Newname5565 · 08/09/2024 15:23

sunraze · 08/09/2024 07:50

I think it's you who is in another world Newname5565.

No, I’m in today’s world. I see Independent women who see rights and responsibilities as two sides of the same coin.

You can’t have it both ways. Contribute equally and you get equal rights. And no, housework is not financial contribution. It’s just something working women/men also do.

Belling112 · 08/09/2024 15:18

I'm not on the tenancy. He rented this house with my DSC before I moved in so he won't leave.

My mum is equally penniless. I do stay with her for a week or 2 at a time for some respite, but I don't want to burden her financially, and while I contribute as much as I can while I'm there, I cannot support myself and DC there for long (and I will not ask my husband). The last time I stayed there, me and my mum had an argument and she said some unkind things (demonstrating perhaps a degree of internalised misogony) referencing my husband, marriage, and my mental health. I don't really want to go back there at the moment.

It's been an absolutely hellish 3 years (although problems have been ongoing since I was a child). My father has abused my mum in ways you cannot imagine. I spent my entire 20s supporting my mum financially, and sorting problems between them. Trying to mediate, or getting others to mediate. Calling my dad's friends, family friends, in the latest case, lawyers and housing officers for my mum. The situation isinfinitely worse than I will ever be able to describe here. And this has been my entire life. I married this man to be free of all that. I was prepared to give up my entire life, my livelihood, the home I built for myself, and accepted being a SAHM and a full time parent to a child that wasn't mine, because I thought I was marrying a generous and sentient being. He knows all the issues I've had. He sees the horror that are my arms every day. I made such a mistake trusting him, against my better judgment. But I cannot express how strong was my desire to escape my parent's troubles and how much it had worn me down.

I've been really unwell since my teens. I self harmed a lot, my entire arms are covered in scars. I frequently overdosed on OTC PKs. I don't know how I'm still here. How I managed to work and study, and start a family. I've always felt so detached from myself, when catching my reflection, or not recognising myself in the mirror or in photos. The scary thing is now sometimes when I look at photos of my DC, I don't recognise them.

I could stay with my friend in the city I lived and worked in before I married. She doesn't know about the issues with my husband. I can just about afford an advance single if I book it in advance and midweek, but I don't know how I will support myself while I'm there, and for how long I could stay there.

I'm really sorry it was not my intention for the thread to go this way. Thanks again for all your support.

OP posts:
caringcarer · 08/09/2024 15:18

Surely if you went back to work.ypud have money to pay for childcare. It's always good to earn your own money.

Ivehearditbothways · 08/09/2024 15:16

You do have somewhere to go. You have your mum. Take your kids and go. Go online and claim UC credit today, as a single parent. You’ll be able to apply for the advance almost immediately and you’ll have the advance in your bank account in a couple of days.
With little kids, you’re not expected to work. If you do work, UC will pay towards your childcare. Then at 8am tomorrow, you call child maintenance service and put in a claim for child maintenance. Once those are done, you then make a claim for the child benefit and they will decide which do you gets it. You will win that as primary carer with all the other claims in your name.

It sounds overwhelming but just go. The guy is abusing you.

Madamum18 · 08/09/2024 15:16

Newname5565 · 07/09/2024 07:36

£250 is a lot of money and I think you can manage if you budget properly. On that aquarium trip, why didn’t you check costs and your bank balance before going? He paid for the tickets (aquariums are expensive!) and you could have packed sandwiches?

There are so many free/cheap activities for the kids. Libraries, museums, parks, play groups etc. Go to them and always take packed food with you. Buy cheap colouring items and make an activity out of it at the park.

if you struggle being at home, you have to be at work! But you chose to have 3 kids! It’s your choices all the way. Your DH doesn’t sound like a millionaire to just fund your chosen lifestyle. He has to pay for everything and also have some rainy day funds for the family. You want your DSC to go to a private school - would you next insist on the “same treatment” for your own kids too?

£250 is seriously a lot of money. You need to plan things properly and stop doing stuff you cannot afford. You are doing things anyway, getting yourself into situations and making your DH appear bad for not bailing you out.

im amazed you said you had £5 left. How did you not know this before?

Have you actually read s single thing ghe OP has said before writing that completely unreasonable patronising and smug response. I rarely comment in quite such a descriptive way but your tidiculous response to this OP in such a patently awful position through no fault of her own, is like a red rag to a bull

Madamum18 · 08/09/2024 15:05

Bejing this is SO hard I know. Financial abuse is not just demonstrated in the ways your father did it. You are UNDOUBTEDLY being financially abused and frankly his responses to you raising this is UNDOUBTEDLY gaslighting and coercive control!!

Your choices:
*carry on as you are and suffer more and possibly worse of the above whilst your children watch as they grow older!
*move out ...to your mums? A friend? Womens refuge? Please please find a way to leave with your child (not his sadly but that is separate to your decision in this scenario). Get legal advice if that helps ..W Aid can help; ring them. Or talk to Citizens Advice as a first step or Domestic Abuse help line; Samaritans can advise on who to call too.

  • go with flow whilst you sort out how to leave as per above. Dont share with him; dont comment when he gas lights. Just shut up and quietly prepare and then please please leave I truly wish I could give you a big hug and stand with you as you navigate this but I hope that even online support helps a bit 💐
Campergirls1 · 08/09/2024 15:02

OP, how about asking for a refuge place?
It might speed up your help.
I feel so desperately sorry for you.

BurntBroccoli · 08/09/2024 15:02

Belling112 · 08/09/2024 10:58

We've been arguing about this since yesterday. He really didn't take well to my suggestion of financial abuse. He's been saying a lot of horrid things to me and I'm struggling to cope. He said he would have never have married me if he knew what I was like re finances, that I had unreasonable expectations, that I was better off living alone as before and that I could never live with a man. I've packed a bag (in front of him) but he knows I have no where to go. I cannot believe this has become my life.

Edited

So when you get divorced and he gets his next 'slave', he will be badmouthing about you to her...

Could you at least take your two and go to your mum's tomorrow? Even if you have to sleep on the sofa or floor, at least you'll be free.

MsNeis · 08/09/2024 15:01

There are a couple of trolls in here, blatantly obvious who they are: sociopaths is what comes to my mind whenever I encounter posters like them. OP is clearly struggling with an abusive relationship: this has NOTHING to do with fecking budgeting or being a SAHM or any other braindead suggestion copied from the filthy depths of the manosphere.. These are the times in which I question my firm opposition to including mysoginy as a hate crime... 🙄 (Sorry for the rant)

Campergirls1 · 08/09/2024 14:48

Can you really not go and stay with any relatives with your two children?