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AIBU?

Share your dilemmas and get honest opinions from other Mumsnetters.

Money stuff

61 replies

Northernishlad · 26/01/2025 22:11

Hi. Partner (F35) and I (M41) (together for 10 years) have been going through some relationship issues since May last year. We live together in a house that I own and have a two year old daughter. We got engaged three years ago but haven’t really discussed marriage much since then. Before my partner got pregnant, she would pay me monthly rent and this was the deal for about 6 years, then we stopped this when she was on maternity leave and not working. For context, I have always paid more towards stuff (meals/holidays) as way one point I was earning three times as much as her. You could say that I financially carried the relationship. Last year I started worrying about losing my house if we were to break up an I researched if my partner might have a claim to my property if we were to break up and I stupidly told this to one of ny mates. Unfortunately, my friend’s wife repeated this to my partner. She was really offended as she never suggested she would try to get anything out of me even if we were to break up. Fast forward two months- we did break up briefly when she was still on maternity leave and she asked me to help her (around 10k) with a house deposit (to buy). I said I couldn’t as my savings were for my retirement (I’m self employed). She got angry with me saying that I have been telling her all this time that I was saving for our future but really I don’t care about her or our daughter and the conditions they will live in if they move out. She said she didn’t want rent as this would lack stability for her and my daughter’s future.
We then ended up getting back together (all of this whilst still living together) and now my partner is back at work and earning again so contribution to costs etc. I suggested that instead of contributing towards the household costs, she could just pay for the childcare (£1,000 pcm) and she said she wants to split this down the middle with each one of us paying half and she will also give me money for half the household bills but if I want her to pay anything over that, that will be her contribution towards mortgage. I asked why she wouldn’t just pay for the childcare and she said because it’s not fair that she would be spending such a large sum every month on a non- returnable expense (childcare) whilst I will continue paying off my mortgage. I feel like my mortgage has nothing to do with her and she is being demanding about money that is not hers. Who is unreasonable here, me or her? Thank you.

OP posts:
ilovesooty · 26/01/2025 23:47

If he's having second thoughts about the relationship he shouldn't have entered into parenthood.

PussInBin20 · 26/01/2025 23:44

But surely if they are not married and her name is not on the deeds, then whatever bills she pays towards, doesn’t mean she is entitled to any percentage of the house?

I thought that’s why Mumsnetters are always banging on about ensuring you get married, so that you ARE entitled to some of it and that you can’t just be thrown out. 🤷‍♀️

I mean I can understand that she wants security, and if there was some agreement to come to, then it needs proper legal advice but maybe the relationship is a bit rocky andOP is having second thoughts on that? or the marriage.

Just imagine the if the woman was saying this. I bet the replies would be somewhat different. 🤔

JandamiHash · 26/01/2025 23:27

I hope she wins the lottery and leaves you. After all on your upstanding brink plea you wouldn’t want a penny would you OP?

CatsForGovernment · 26/01/2025 23:26

All of these types of posts are written like they should be on reddit or are done by reddit users.

Noticed a big increase lately... Weird.

Remotemouse · 26/01/2025 23:23

You are all about you - what a poor decision your partner made when she became pregnant with your child. What a let down you must be. I will never understand why women trust men to do the right thing but she has finally woken up - I’d say you’ve lost her.

SparklingSpa · 26/01/2025 23:19

This is shocking.

LostittoBostik · 26/01/2025 23:16

Northernishlad · 26/01/2025 22:45

I had owned my house for years before I got together with my partner. I do see it as my future security. I am not sure why this is an issue for anyone. She hasn’t bought her own property as for a good chunk of her 20s and 30s wasn’t earning enough. How is this my fault?
I happily pad for nice meals out and holidays for years and suddenly I am the bad guy?

Not important. You bought a child into this world with her which by definition trashed her chances of earning. That child's stability and future should be coming first.
Take a good look at yourself.

JandamiHash · 26/01/2025 23:14

Northernishlad · 26/01/2025 22:45

I had owned my house for years before I got together with my partner. I do see it as my future security. I am not sure why this is an issue for anyone. She hasn’t bought her own property as for a good chunk of her 20s and 30s wasn’t earning enough. How is this my fault?
I happily pad for nice meals out and holidays for years and suddenly I am the bad guy?

Don’t you want your future wife and child to have security too or is all about you? She’s basically like some sort of lodger who puts out. Loving relationships and marriages shouldn’t be like this, so transactional. No wonder she left you.

Youre the bad guy because you’re financially abusive. Youre using a few meals when you earn LOADS more than her to try and demonstrate you’re not a prize abuser

ReadingSoManyThreads · 26/01/2025 23:09

You're a disgrace - shame on you!

You should not be bringing a child into the world when you have no intention of providing any financial security for that child. Did you pay your DP's pension contributions whilst she was on Mat Leave looking after your joint child?

Just because you've not done the right thing in marry her to give her some financial security, doesn't mean you should screw her over financially.

And you're seriously questioning why we're seeing you as the bad guy here?

Your poor DP! She needs to raise her bar and find a real man.

Happyinarcon · 26/01/2025 23:03

Northernishlad · 26/01/2025 22:45

I had owned my house for years before I got together with my partner. I do see it as my future security. I am not sure why this is an issue for anyone. She hasn’t bought her own property as for a good chunk of her 20s and 30s wasn’t earning enough. How is this my fault?
I happily pad for nice meals out and holidays for years and suddenly I am the bad guy?

imagine if she changed you surrogacy fees then 24 hour nanny care fees

CleanShirt · 26/01/2025 23:03

Footsontheotherboot · 26/01/2025 22:50

They're so low effort now

I know. Rage bait.

Try harder, small angry men.

chargeitup · 26/01/2025 23:03

Northernishlad · 26/01/2025 22:45

I had owned my house for years before I got together with my partner. I do see it as my future security. I am not sure why this is an issue for anyone. She hasn’t bought her own property as for a good chunk of her 20s and 30s wasn’t earning enough. How is this my fault?
I happily pad for nice meals out and holidays for years and suddenly I am the bad guy?

The problem is you both earn money. You want your money to go to an asset you keep whist you want her money to go towards expenses that once spent leave her with nothing.

Surely you can see the problem here.

pencilcaseandcabbage · 26/01/2025 22:59

How do you propose she gains her own financial security if you are inisting she pays all the bills for general expenses while you continue to build up any assets in your sole name? Especially while she is paying way more than her share of proportional expenditure. If you want to keep the house in your sole name you should pay 100% of all expenses relating to it, and then split the remaining household bills (e.g. food, nursery) proportionally based on % of salary. This would at least give your partner chance to save up some money in her own name, although it's still not ideal. You clearly don't see youselves as a family, despite having a child together.

backawayfatty1 · 26/01/2025 22:58

Half the childcare & you pay the mortgage. She can save "rent" money she would be giving you for her future. You sound like you have already checked out of the relationship

Ooral · 26/01/2025 22:53

Oh boy, you are going to get toasted here.

ilovesooty · 26/01/2025 22:52

Footsontheotherboot · 26/01/2025 22:28

I hope she gets good RL advice and takes you to the cleaners.

Absolutely. She deserves better than this.

Footsontheotherboot · 26/01/2025 22:50

They're so low effort now

TheLemonFatball · 26/01/2025 22:49

Northernishlad · 26/01/2025 22:45

I had owned my house for years before I got together with my partner. I do see it as my future security. I am not sure why this is an issue for anyone. She hasn’t bought her own property as for a good chunk of her 20s and 30s wasn’t earning enough. How is this my fault?
I happily pad for nice meals out and holidays for years and suddenly I am the bad guy?

You're talking shit now. Got to be a troll.

TheLemonFatball · 26/01/2025 22:48

Your mortgage has nothing to do with her? She's had your child! What a catch you are 🙄

Northernishlad · 26/01/2025 22:45

I had owned my house for years before I got together with my partner. I do see it as my future security. I am not sure why this is an issue for anyone. She hasn’t bought her own property as for a good chunk of her 20s and 30s wasn’t earning enough. How is this my fault?
I happily pad for nice meals out and holidays for years and suddenly I am the bad guy?

OP posts:
febmayjune87 · 26/01/2025 22:45

Reverse

Please just be straight with us. You will get good advice.

ScaredOfDinosaurs · 26/01/2025 22:41

It's perfectly reasonable for everyone to want security and fairness.

I'm not married to my partner and he pays mortgage while I pay childcare.

The crucial difference is that we jointly own the house - I bought in and we had a declaration of trust drawn up to ensure a fair division of assets in case of a split. It doesn't matter who pays which bill now because the legal contract is in place to protect us both. Deposits ringfenced, 50/50 for anything left over after a sale.

Its fair that any equity you built up prior to her moving in remains yours, it's also perfectly reasonable that she has some kind of security and is working towards owning a share fairly.

Right now she has zero legal standing - one argument and she could be made homeless in an instant. That's not a good basis for a relationship, is it?

Talk to her, get your house valued, work out the equity, get a document drawn up stating that it's ringfenced. Then going forward, she can contribute fairly and you are both protected.

Meandhimtogether · 26/01/2025 22:41

Op will not be coming back. What a tw*t

vodkaredbullgirl · 26/01/2025 22:39

🤔wind up

TwoBlueFish · 26/01/2025 22:37

Mortgage, insurance, maintenance of the house should be all your responsibility.

All other costs - child expenses, food, utilities, holidays should be split proportionally based on your salaries as long as you’re also splitting childcare and household chores.

its quite understandable that she wants some financial security.

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