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AIBU?

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This marriage is financial abuse - AIBU?

618 replies

catstaff47 · 19/10/2024 19:43

This is about a friend. I think she is being financially abused by her DH. I will try to give the facts as she described it -

  1. He earns about £120k she earns about £12k (working p/t to be around for teens).

  2. He pays the mortgage and bills. There is a food shopping account into which he puts about £150 per week (for 4 people and several pets).

  3. Apart from this, she lives off the £1k per month she earns - even though she buys a lot of the kids stuff out of this as well because he will not.

  4. She has no idea how much money he has saved or where and he will not tell her!

  5. If she runs out of money in a given month, she will take / borrow from other people rather than just ask him - her own husband!

That's about it.

I could not imagine living like this and don't know how she has accepted it for so long. To me she has been somehow conditioned to think it's ok. I have told her this (gently), but I don't think she will do anything about it or leave him. Plus I think he must be beyond help to even do this in the first place.

AIBU and what would you say to her?

OP posts:
Dramatic · 19/10/2024 23:45

DoreenonTill8 · 19/10/2024 23:42

So why is he a controlling arse @cadburyegg ?
Do you think as the higher earner he has to pay and handover whatever money is demanded just because he earns more?

No, all household income should be shared equally.

Dramatic · 19/10/2024 23:43

DoreenonTill8 · 19/10/2024 23:27

@Hoardasauruskaren not a single thing there is a need.. everything a privileged want!

And you think that on a household income of £130k they shouldn't be able to do those things?

DoreenonTill8 · 19/10/2024 23:42

So why is he a controlling arse @cadburyegg ?
Do you think as the higher earner he has to pay and handover whatever money is demanded just because he earns more?

Caterina99 · 19/10/2024 23:41

I definitely couldn’t live like that. And it doesn’t sound like a great marriage at all. Clearly they both have major issues and don’t communicate with each other!

Financial abuse? I’m not so sure. If he pays all the bills and she just has to fund herself and 2 teenagers with £1000 per month that’s not bad. Ok it’s not going to be living like multi millionaires, but it’s certainly enough for a decent standard of living. Definitely enough for her to be able to afford a coffee out with her friend. Setting a budget for the food shop is sensible, but again it depends on whether he’s doing it for control or genuine financial need, and how he imposes it on your friend.

cadburyegg · 19/10/2024 23:36

Sorry I mean your friend's husband not her ex

cadburyegg · 19/10/2024 23:35

From what you have said, it sounds like he is a controlling arse.

There are 2 sides to every story though and maybe if she has a history of overspending he feels like he has to control the situation a bit. My exh would probably tell you that I was controlling with money but my attitude was born from his overspending and not earning enough for his lifestyle.

From my very basic calculations it sounds like your friend's ex is bringing home £5400 a month. I wonder what their expenses are like though? What are their outgoings? They could very well be something like...
Mortgage £2000
Bills and debt £1000
Car payments £600
Plus you say he is spending £150 a week on food so £600 a month.
All that adds up to £4200 potentially. That gives me £1200 "fun money" which isn't far off his wife's amount.

As a simple comparison I'm a single parent on £33k plus a small benefits top up and child benefit, I don't receive any reliable maintenance from my ex but I manage to run a house and have a few luxuries. So I don't have much sympathy for someone who has £1000 a month to themselves yet can't afford a coffee when they meet up with a friend. One of my kids has issues which means he would well benefit from being at home more but I don't have a choice.

To me it sounds like a lack of communication between the couple not necessarily financial abuse.

DoreenonTill8 · 19/10/2024 23:34

@Username197 don't you realise not getting what you want when you want it is abusive.....😭😭 boo and hoo....

This marriage is financial abuse - AIBU?
Bunny44 · 19/10/2024 23:31

@catstaff47 I have a friend in a similar situation but she's been trying to fight her way back in control. She sat her DH down and pointed out if he died she needed to have the financial information to look after their children she said having no information including passwords to online accounts would mean they could be left in a very difficult situation if anything happened to him.

She was also a SAHM for years and put her career on hold and then is trying to build herself back up. However you could tell he was resistant to it at first and his career has also come first which means her hours are limited and fit around childcare. She also gets an allowance and he's really tight with her which leads her to doing the same. I remember we took her away for a big birthday and paid for everything (v. Lavish trip) except the train journey (her cousin bought her ticket and my friend was supposed to pay her back) and he had the nerve to complain in front of us about how much the train ticket was and apparently my friend took ages to pay it back because her husband was only giving her £10 at a time and in the end the cousin just told her to leave it. Must have been really embarrassing I'd imagine.

I think women in these positions are naive about how much they're sacrificing and how vulnerable they are if the relationship was ever to break down. Of course I can tell they assume the relationship would never break down but then you get the threads on here of the fall out when they do, and the woman has no career and no financial clue...

As you said OP the SAHM actually does have a monetary value - childcare costs being saved could be up to £4000 a month (2 in nursery full time in london). They are essentially supporting the husband's advancement in his career, while sacrificing their own.

Username197 · 19/10/2024 23:29

roaringmouse · 19/10/2024 23:16

It is you who doesn't understand financial and economic abuse, given what you've written here. It affects women across all stratas of society and cannot be measured in the crude terms you've outlined.

🤣🤣😂

I fully understand financial abuse can affect lots of people. I am not doubting that.

Financial or economic abuse is defined as controlling their finances to the point of detriment to them.

Where does the OP say he is controlling HER money? From what I have read, she has all of her income, all the household bills paid and money towards/to cover weekly food shopping. He isn’t letting her sprawl money endlessly.

In what way is having this amount of money after bills detrimental to their welfare?

99% of people on this post are saying similar to me.

DoreenonTill8 · 19/10/2024 23:27

@Hoardasauruskaren not a single thing there is a need.. everything a privileged want!

Viviennemary · 19/10/2024 23:27

She has no bills to pay. And has £1k a month to spend on bits and pieces. It depends what the household expenses are before any judgement can be made.

Hoardasauruskaren · 19/10/2024 23:26

newtlover · 19/10/2024 21:47

posters seem very hung up on the amount the friend has to spend 'on herself' without noticing that she also has to cover her teen DCs costs out of that as well
I wonder how much choice she has actually had over being a SAHM, I wonder if conversations along the lines of 'but most of your salary will go in childcare so its not worth you getting a job' were had

I wonder if she has a pension, if the house is in joint names, and what his will says

OP there is useful information here-
https://survivingeconomicabuse.org/i-need-help/understanding-economic-abuse/spotting-the-signs/
and this site explains that economic abuse is not just about money- its wider than that

Yeah I don’t think it’s as simple as she had a grand a month spending money just for her! Is she giving the kids lunch money /bus fare for school etc? That all adds up! My DC are a few years out of school but it was around £3 a day for lunches 2-3 yrs ago so probably £4-5 now. So that could be £200 pm, phone contracts for 3 maybe another £100+, do the kids get pocket money to budget or just asking for cash to go out with friends - cinema , McDonald’s / Nando's etc? That could be £20 pw per child. She could easily be spending £400+ pm just on kids expenses and that’s not including any regular sports/ hobbies that cost either! Then there’s haircuts, clothes, shoes etc. Maybe not £1000 pm every month but some months not much less. Does she pay for Xmas / Birthday gifts too ?

Youthiswastedontheyoung · 19/10/2024 23:24

Wowser! I think her hubby is generous!
I earn £1,400 pm and have three kids (youngest is 4). I pay half of everything out of that - rent, food, bills, council tax etc. My hubby pays in to my account £1045 per month but does not unilaterally pay for anything.

Crumpleton · 19/10/2024 23:22

catstaff47 · 19/10/2024 23:04

It's not so much 'lending' her money. More that, if you are out and about and you get lunch, or coffees or anything really, even theatre or a weekend away - I would have to specifically tell her to pay for her own because otherwise she would just let me. I have many friends who are SAHMs or who work part-time. None of them are like this. But then none of them have a DH like hers either.

What kind of person does any of these things without sufficient funds to at least pay for themselves.

You're trying to say your friend can't even find a tenner a month out of a thousand pounds for a couple of coffees...

Most people I know that couldn't pay the own way, for whatever reason, wouldn't even be going out regularly for a coffer or lunch let alone to the theatre or a weekend away without putting their hand in their pocket.

That's just very odd....
Or she's very very convincing.

DinosaurMunch · 19/10/2024 23:16

catstaff47 · 19/10/2024 23:04

It's not so much 'lending' her money. More that, if you are out and about and you get lunch, or coffees or anything really, even theatre or a weekend away - I would have to specifically tell her to pay for her own because otherwise she would just let me. I have many friends who are SAHMs or who work part-time. None of them are like this. But then none of them have a DH like hers either.

If she has no money why is she going to the theatre etc. I have friends with more money than me. In some cases they are earning 10x the amount. I decline most of the expensive activities and do cheap things. They do the expensive stuff with their other friends. That is what normal people do. I wouldn't let a friend pay for something for me unless I was going to pay for them next time.

Also most people don't have 1000 a month left after all bills are paid. How is that not enough. She sounds like she has major issues in her marriage but also in her general behaviour.

Her husband's issues with money whatever the true story do not really explain her abuse of your generosity.

roaringmouse · 19/10/2024 23:16

Username197 · 19/10/2024 23:11

I don’t think you really understand what financial abuse is.

What you are saying is after mortgage and household bills she has £1600 for food shopping, personal bills and the kids? That’s plenty and is not financial abuse! Families earning close to min wage, both working full time, could only dream of being in this position.

There are always two sides to every story. Maybe he is not telling her financial information because she seems reckless with money if she blows through this, loans of you/others which she doesn’t pay back, and clearly thinks she’s hard done by!

It is you who doesn't understand financial and economic abuse, given what you've written here. It affects women across all stratas of society and cannot be measured in the crude terms you've outlined.

sweeneytoddsrazor · 19/10/2024 23:15

catstaff47 · 19/10/2024 23:04

It's not so much 'lending' her money. More that, if you are out and about and you get lunch, or coffees or anything really, even theatre or a weekend away - I would have to specifically tell her to pay for her own because otherwise she would just let me. I have many friends who are SAHMs or who work part-time. None of them are like this. But then none of them have a DH like hers either.

So she does have money to pay ?

DoreenonTill8 · 19/10/2024 23:15

I think op, her df and some posters on here think its financial abuse that someone can't spend wherever/whatever on anything they want with impunity and if anyone questions it they're abusive? Especially if anyone mentions that the whinger should shudder.... work.......

lmoh · 19/10/2024 23:13

catstaff47 · 19/10/2024 20:08

To me, there is 'work to be done' in families with children. Some of this work is paid, some is not paid. But it still needs to happen.
He would not be earning what he earns today if he had had to be available for the over the kids years.

She has done her best. She has done pretty much everything for the kids. How much would that have cost if they had needed childcare or nannies etc? Hundreds of thousands probably.

So the money is not 'his'. It all of theirs, as a family.

He is controlling and secretive. Why? What is the point? How can he 'give' her money? It's not in his gift ti give her money. It should be shared and they should be fully transparent with each other. They are married. She is not his flatmate! What happened to 'all that I have I share with you' etc etc?

Agree 100 percent with this! Both partners should have an equal quality of life and he is obviously living a much better life than her. I had the same situation with me ex (although he didn’t pay all the bills).

Username197 · 19/10/2024 23:11

I don’t think you really understand what financial abuse is.

What you are saying is after mortgage and household bills she has £1600 for food shopping, personal bills and the kids? That’s plenty and is not financial abuse! Families earning close to min wage, both working full time, could only dream of being in this position.

There are always two sides to every story. Maybe he is not telling her financial information because she seems reckless with money if she blows through this, loans of you/others which she doesn’t pay back, and clearly thinks she’s hard done by!

ThornVampire · 19/10/2024 23:10

catstaff47 · 19/10/2024 20:38

She has to basically pay for most of the kids clothes and day to day expenses out of this £1000. She paid for all their activities, tutors , you name it. Occasionally, the Lord Almighty DH will deign to give his kids £100 for some clothes or something - all hail!

She has £1,000 after bills and mortgage, and food.

That's not a small amount. If that's not enough for her then she'll have to work full time, and let him deal with the dc

Heidi00 · 19/10/2024 23:10

She needs to work full time. No reason for her to be running out of money when she has £1k a month to play with.

Lightdarkshade · 19/10/2024 23:08

I habe no idea if it's financial abuse but there is something extremely controlling about his behaviour which is coming across in the way that he manages finances in the family. This does not sound like a partnership and the fact she is scared to ask him is worrying.

DoreenonTill8 · 19/10/2024 23:04

good96 · 19/10/2024 22:15

Hmmmm - If he is earning 100k a year then he should be contributing a hell of a lot more than £150 for food per week.

I mean your friend doesn’t have to work and i guess she wants to do it to earn her own pennies (fair enough)

I don’t think the relationship/marriage is that strong to be fair. Me and my DH we have full transparency over our salaries and we have joint account that we both have control over. We also have a business account too as we are landlords.

Definitely feels like financial and emotional abuse. If she can’t speak to her own husband something isn’t right.

@good96 why your friend doesn’t have to work? What because of the dh's earnings?
So she's doing him a favour working and earning money for random spends?
She could just not bother her arse to work and be a kept woman, as is her right?!

catstaff47 · 19/10/2024 23:04

It's not so much 'lending' her money. More that, if you are out and about and you get lunch, or coffees or anything really, even theatre or a weekend away - I would have to specifically tell her to pay for her own because otherwise she would just let me. I have many friends who are SAHMs or who work part-time. None of them are like this. But then none of them have a DH like hers either.

OP posts:
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