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AIBU?

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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:
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6
Testina · 07/09/2024 20:26

Youthiswastedontheyoung · 07/09/2024 19:45

I have to agree to some respect with * *@Newname5565. I do think some women think that they can simply give up paid employment when they have babies, possibly forever? I have as much a financial duty of care towards my children as my husband does.

But the OP doesn’t want to give up paid in employment - she wants to be back in a job she’s worked to qualify for, and is good at. Her arsehole of a husband is refusing to consider childcare a family expense and forcing her to lose her job and her future prospects - getting back into an academic post once you’re out and not recently published is hard.

UnfortunatelyGotTheTshirt · 07/09/2024 20:24

Youthiswastedontheyoung · 07/09/2024 18:55

Why doesn't the OP qualify for the hours of free childcare?

Maybe she doesn't live in England

Newname5565 · 07/09/2024 20:23

Imalittlewitch · 07/09/2024 20:18

I'm a working parent and my husband is a sahd. He has access to our joint account and any money he needs. That's pretty normal. 250 is very little per month.

It’s relative to what people earn!

Nospecialcharactersplease · 07/09/2024 20:23

Newname5565 · 07/09/2024 20:10

Exactly! Why isn’t the childcare/budgeting math done BEFORE having children?

OP can’t do the maths because her husband won’t share the numbers with her. Because he is financially abusing her. But I guess you knew that already.

Imalittlewitch · 07/09/2024 20:18

I'm a working parent and my husband is a sahd. He has access to our joint account and any money he needs. That's pretty normal. 250 is very little per month.

Newname5565 · 07/09/2024 20:10

Youthiswastedontheyoung · 07/09/2024 19:45

I have to agree to some respect with * *@Newname5565. I do think some women think that they can simply give up paid employment when they have babies, possibly forever? I have as much a financial duty of care towards my children as my husband does.

Exactly! Why isn’t the childcare/budgeting math done BEFORE having children?

Youthiswastedontheyoung · 07/09/2024 19:45

I have to agree to some respect with * *@Newname5565. I do think some women think that they can simply give up paid employment when they have babies, possibly forever? I have as much a financial duty of care towards my children as my husband does.

Newname5565 · 07/09/2024 19:40

If he makes under £60k and still gives OP £250 spending money, he is being very generous.

Newname5565 · 07/09/2024 19:39

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BigGhatt · 07/09/2024 19:30

Say youve read it affects your pension by reading the Government website…

SAHP, money issues
Therightcoffee · 07/09/2024 19:24

And yes, @Belling112 no decent man refuses to have an open conversation about finances, or blocks their spouse from their career. None. He's not supportive and he's not honest.

If the finances are like you say, 99 percent for the family, where is the evidence? And even so, he should be finding ways to help you get your work done.

Therightcoffee · 07/09/2024 19:19

Ah @Belling112 I don't think I'm surprised to read that update. And of course you're struggling to get academic work done with no childcare. Talk to people in real life, get help. Fingers are crossed for you.

AlertCat · 07/09/2024 19:05

It’s not BS that the receipt of child benefit keeps your stamp going while you are “economically inactive” raising children . You need to fill in a form to get it paid to you instead of him. He’ll be told and will have the right to contest your claim, but I would suggest that if he did, this would be evidence you could use to show (or see) that he is indeed abusive. This is quite a small thing that would certainly help you, now and later at pension age.

FWIW historically, it was automatically paid to the mother BECAUSE so many women were beholden to their husbands (pre mothers going out to work) , and it gave them money of their own to protect them and their children.

Youthiswastedontheyoung · 07/09/2024 18:55

Why doesn't the OP qualify for the hours of free childcare?

FunWithFlagz · 07/09/2024 18:52

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?

Jesus Christ! What is wrong with you?

Toptops · 07/09/2024 18:00

carrotcard · 04/09/2024 20:55

Go back to work. He's a controlling arse.

This

Raininginparadise2 · 07/09/2024 17:36

Could you contact your local children's centre/ family hub? They will have an early help worker. They can signpost you for support from your DV/financial abuse. They can also help with your young DC attending weekly play sessions. Maybe you could do your academic work in one of their offices during the session? Good luck OP. You and your children deserve so much better x

BigGhatt · 07/09/2024 17:20

Sounds like youve touched a nerve there op with “he didnt want to continue the conversation and when you suggested it was an abusive position he called BS”

i would suggest you get this paper done. When he gets home at night, get out of the house. Is there anywhere local you can work on it? Even a quietish pub could work. Make sure you submit that.

id book an appointment with the GP, you sound mentally broken from the situation. Also contact womens aid

is there anyway you can leave? Can you go and stay with your mum with the kids? Just for some space and time out?

your in my thoughts op and im rooting for you (as are the collective mumsnet group) to extract yourself out of this situation xx

Bigcat25 · 07/09/2024 16:26

Dear op, would you be able to leave the kids with him on his day off to go to the library to work? Would he be ok with that?

thankyouforthedayz · 07/09/2024 15:59

OPs partner earns no more than £50,000 if he's claiming Child Ben there's not masses of money coming in, though this does not negate the control he is insisting on.
What really surprises me is that he controls all the food and kids clothes purchasing. When I was a child in the 70s men would give their SAHW "housekeeping" which would usually be for food, clothes, shoes etc so women had more autonomy. That is a red flag.

Nobodywouldknow · 07/09/2024 15:18

To be fair I doubt he’s rolling in it. He’s in rental accommodation which suggests he can’t afford to buy anything. Maybe he has a savings pot, maybe not but the point is his controlling oppressive behaviour and refusal to be transparent. I’d work on the basis that you won’t get a penny from him bar child maintenance and look at how you can make your own way.

Testina · 07/09/2024 15:17

My DH isn't well off, his expenses are 99% for the family (rent, bills, petrol etc).

Bottom line, a man who wasn’t financially abusive would have said, “I’m sorry it’s tough on us financially - look, let me take you through the finances” - not shut you down, and not previously have berated your budgeting.

Testina · 07/09/2024 15:15

My DH isn't well off, his expenses are 99% for the family (rent, bills, petrol etc).

But you know this is bullshit.
Firstly because have no transparency - you don’t know what he earns for a start. So how can you know he isn’t well off?
Secondly because he’s hinted at £20-30K of savings - you don’t get that if 99% is going on the family
Thirdly because until recently he was spending £8K a year on school fees (which is suspiciously low btw) - so where is that money now?

I’m also suspicious that despite his son living with you and the ex being a high earner, he wouldn’t also have CMS. Yes, high earners can hide income, but a lot of people are PAYE and can’t. You guys are so tight for money but he hasn’t put in a CMS claim? Bullshit.

sunraze · 07/09/2024 15:07

Very handy for him that another woman stepped in to care for his first son - so that he can sail on in his job, totally unimpeded by childcare responsibilities. While giving you £2 per day.

As I said earlier, who made him god of finances? Who does he think he is?

A full-time nanny would cost him about £40-£50k per year. And she gets to go home at the end of a shift.

Has he looked into how much nurseries cost?

i don't know how you can even engage with him. He is ridiculous.

Campergirls1 · 07/09/2024 14:58

She has two children and is being held financial hostage by an abusive husband, unable to work, caring for his 3 children, one of which is not hers.

She needs to get real.
No child benefit being paid to her.

She could walk into any police station and ask for help.