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Sick of having to ask DH for money

237 replies

Justlivelovelaugheat · 05/02/2025 21:01

Hi people. Has anyone ever had a positive SAHM experience? I a SAHM of 2. My DH and I made a pact years ago I would look after the kids and he would grow his business. I have always been out of work even when the business got successful as he says he could make more money than if I worked since he wouldn’t have to pay for childcare nor watch the kids, which whilst it is true, I have always craved my own independence.
I have grown very resentful. Although I love looking after the kids and hate the idea of leaving them, I crave my own financial freedom. Recently we moved house and he insisted if we threw away most of our clothes (luckily I stood my ground when it came to the kids clothes) it would make the move easier and he promised to replace my clothes. Now that it’s time to cash in on this promise he says that £150 is too much money for clothes even though now I don’t have much to wear. This is my last straw as I am sick of trusting someone else for money even if it is my husband. He even went as far to say I’m irresponsible with money even though I truly never am away from this kids so I don’t even get to spend money on dates with friends or a spa day and I haven’t brought anything for myself in a year. I admit it’s probably selfish I ask now seeing as we just have moved but now I could use some clothes for myself and suitable footwear. It’s so annoying I wish I had never agreed to this because I’d like to prioritise myself and feel bad asking for time away or clothes for myself but I truly feel terrible in myself. I understand many of you will critique me for putting myself in this situation but the dynamic has only recently changed this much where I have to “ask” for money. But am I being wrong for asking at such a busy time for him? We have money (I honestly don’t know how much as it’s all considered his grrr) but should I feel bad for taking away for myself whilst he provides for all of us?

OP posts:
Pinkflowerpower · 05/02/2025 22:57

Brefugee · 05/02/2025 21:06

Get a full-time job. Split all bills proportionately

Leave this man surely !!! Why on earth would you stay and split bills ??
RUN
Take half his pension as you are owed it as you were looking after the children to fund his carer .

EliflurtleAndTheInfiniteMadness · 05/02/2025 22:55

This reply has been deleted

This has been deleted by MNHQ for breaking our Talk Guidelines.

Yes because raising children and helping your husband by handling child care as he's asked you to do is the act of a child. OP isn't the one that needs to grow up.

Circe7 · 05/02/2025 22:54

Justlivelovelaugheat · 05/02/2025 22:32

We originally had that. Joint account, he transferred money and it was fine. Only in the last year has it changed as he needed it in his account and his business to boost his ability for a loan apparently. From then it’s been awful. Before the arrangement seemed fair especially as I got to stay home with the kids.

It sounds to me like the business may be in trouble given that his behaviour re finances has changed quite recently and that he’s apparently diverting money away from your personal finances into the business. Needing a loan may be a red flag for this (obviously businesses can take on loans for all sorts of reasons but one of them is that there’s been a downturn and they’ve run out of cash). If so he may be ashamed / worried about it and be handling it very badly. I’d do some digging into the business and then ask him gently about it.

Or he may just be very controlling as previous posters have suggested particularly re the throwing away your clothes and then refusing to buy new ones.

EliflurtleAndTheInfiniteMadness · 05/02/2025 22:51

TriciaMcMillan · 05/02/2025 21:11

This is pretty much textbook financial abuse.

Not to mention controlling behaviour making OP throw her clothes away. I'll bet this is just the tip of the iceberg.

Codlingmoths · 05/02/2025 22:48

I think it’s time to get a job. When you do, you need to do less for him, and expect more. Tell him he has to be home and cook dinner one night a week, stop washing his clothes. You have enough of a load. Even if he backs down and tells you he’ll share money better, you know what he’s capable of and you deserve more. Sure, get a joint account. But get a job and have that paid into your account, you can transfer into the joint account (but only enough to have equal spending). Claim the child benefit, so what if he has to pay it back in tax. You’re looking after the children.

babyproblems · 05/02/2025 22:48

This thread won’t end well.
He’s clearly financially abusive. Honestly it’s not about the money it’s about him using it as power over you. Insane that you don’t have a ‘salary’ or allowance paid into your account every month. Also insane that you cannot access the family money??? You should be able transfer yourself money. You should have all income into one joint account and all bills paid. Anything left split equally between you.

there is no link between you doing the childcare and him growing the business; and you not having money for yourself. It’s irrelevant who does what. All money is joint. In your case being married to an abusive prick and you being vulnerable, I’m not sure you have any choice other than to issue him one final ultimatum and if he will not do it as is required, you need to leave. Good luck x

SandyY2K · 05/02/2025 22:47

I've never heard such nonsense as throwing your clothes away when you move. Why on earth did you she to this ludicrous suggestion?

Unless you had a while heap of rubbish, it doesn't make sense.

Tell him you're going to look for a job, as this situation isn't working for you any more.

I couldn't be a SAHM, as I need my own ££££. Asking for money makes you feel like a kid

Devianinc · 05/02/2025 22:40

No, he pays all child care bc he put her in this position. He can get a cook and a cleaner too while you’re at it. Stingy man

MumWifeOther · 05/02/2025 22:39

I’m a SAHM but we have full transparency. All OUR money goes into a joint account that I have access to. If anyone controls the finances in our marriage, it’s probably me but that’s because I am good at budgeting etc. My husband values what I do for our family as much as I value what he does for our family. We are a team and both on board with our arrangement. I think it can only work this way.

PastIsAnotherCountry · 05/02/2025 22:38

OP, you might find this interesting to consider.

“… the myth of care as an inexhaustible natural resource that we can reap from feminine nature is unshakeable. Because we need it to be.”
Katrine Marçal, Who Cooked Adam Smith’s Dinner?

When feminists speak of the ‘invisibility’ of women’s work, what they usually mean is not labour that is literally unseen, but acts which are not classified as ‘work’. They’re things women are assumed to do naturally, out of love, out of instinct, just because they want to, hence there’s no need to reward them for it, and certainly no need to assign any economic value to them. Sure, there would be an enormous cost if all the mothers of the world downed tools, but as long as that unpaid labour keeps coming, it doesn’t have to be counted. As Katrine Marçal puts it, the housework and care work a woman provides can be written off as “just a logical extension of her fair, loving nature”.
There are some things, though, which cannot strictly be described as activities. They’re non-acts. Women’s work consists of the things we do, but also the things we don’t. It’s the things we don’t say, the complaints we never make, the fears we never express, the spaces we don’t take. If it is hard to quantify housework and care work, counting this ‘not doing’ is harder yet.
How do you keep track of things that never happened, things that, as far as anyone else is concerned, were never even possibilities? How do you assign a cost to something which, to the outside world, looks utterly effortless, a simple expression of your passive, contented nature?
In Intercourse, Andrea Dworkin describes women’s response to the public censure that follows should we “speak without apology about the world in which we live”. Women, she writes, “lower our voices”:
“Women whisper. Women apologise. Women shut up. Women trivialize what we know. Women shrink. Women pull back.”
All of this comes at a cost to women’s self-respect and emotional well-being, but it’s a cost that goes unnoticed by the beneficiaries of our silence. As with the housework, this labour is only really appreciated the moment it is no longer provided – the day the silent, unapologetic woman speaks and is no longer sorry.

From: glosswitch.substack.com/p/the-invisible-work-of-saying-nothing

Who Cooked Adam Smith's Dinner? | Granta

A Story About Women and Economics

https://granta.com/products/who-cooked-adam-smiths-dinner/

SouthLondonMum22 · 05/02/2025 22:38

Dymaxion · 05/02/2025 22:35

Looking after your own children and cleaning the house that you live in is hardly the same as looking after other people's children or cleaning someone else's house.

True, but if they were both working then some of that labour might fall to the man with the big job, and we all know that doing a big job means that a man cannot possibly be expected to do anything else, so they might have to buy in that sort of help. Unless you are suggesting that the woman alone is responsible for everything, even if she also has a big job ?

No, of course a woman isn't responsible for everything.

OP needs to get a job and fuck him off.

Dymaxion · 05/02/2025 22:35

Looking after your own children and cleaning the house that you live in is hardly the same as looking after other people's children or cleaning someone else's house.

True, but if they were both working then some of that labour might fall to the man with the big job, and we all know that doing a big job means that a man cannot possibly be expected to do anything else, so they might have to buy in that sort of help. Unless you are suggesting that the woman alone is responsible for everything, even if she also has a big job ?

LBFseBrom · 05/02/2025 22:32

You need a job, any job, as long as you earn some money to spend as you choose. Good luck.

Justlivelovelaugheat · 05/02/2025 22:32

Brickiscool · 05/02/2025 21:22

You shouldn't have to ask for money. You need a joint account.

Or you need a joint account from which all bills are paid and anything left over is split evenly between you and your husband and paid into your separate accounts to spend as you wish.

I didn't work for 4 years (mutual agreement) so my husband paid all the bills and set up a direct debit to my account giving me half of what was left over. And we each did what we wanted with our own bits .

If your husband won't share, then he can't ask you not to work. Get a job and spilt the child care equally.

We originally had that. Joint account, he transferred money and it was fine. Only in the last year has it changed as he needed it in his account and his business to boost his ability for a loan apparently. From then it’s been awful. Before the arrangement seemed fair especially as I got to stay home with the kids.

OP posts:
MolkosTeenageAngst · 05/02/2025 22:30

He’s not providing for all of you if he won’t let you have money for clothes! He doesn’t want you to work because he would be less well off, but right now you would be much better off. Either he needs to put all money into a joint account and share his income or you need to get a job and he has to accept that some of his wage will need to go on childcare.

SouthLondonMum22 · 05/02/2025 22:29

Dymaxion · 05/02/2025 22:12

The OP has chosed not to be an adult, each grown up should be respobsible for themselves if you want money OP then go out and earn it, what if something happens to him then what?

Sigh ! they are earning it , have you had a look at childcare prices recently ? Or how much a cleaner is ?, better still a housekeeper ? A cleaner isn't going to wash your pants, so her job is more akin to a full-time Nanny and housekeeper , which those who are seriously loaded, will tell you are worth their weight in gold and not cheap !

Looking after your own children and cleaning the house that you live in is hardly the same as looking after other people's children or cleaning someone else's house.

StormingNorman · 05/02/2025 22:29

Either he gives you access to the bank account or you go back to work. Sorry he’s being so bloody awful about sharing!

Pigeonqueen · 05/02/2025 22:29

Being a sahm only works if you are treated as an equal.

I haven’t worked for various reasons since Ds was born 12 years ago - he’s disabled, I’m disabled, I owned the house when dh and I met as I was always a high earner but now dh works full time and I don’t work at all. But - we share everything, we have three joint bank accounts - one where everything goes into, and we use each of the others as a spending money account and give ourselves an equal amount of “spending money” each month. All household spending etc we share from the main account. Completely fair and transparent and we can see what’s in all the accounts. Been together 15 years and it works for us.

kallonme · 05/02/2025 22:28

I'm pretty happy with our set up as a sahm. I never ask for money, I do most spending on DH's credit card as a second cardholder and also have access to cash through a current account in his name. It is easier for us not to have joint accounts and that's not been a problem at all. We see all of the household income as one pot. Never been questioned on my spending at all and never felt guilty or felt I need to hold back on purchases, because I see it as our money.

MissScarletInTheBallroom · 05/02/2025 22:27

You need to get a job, and you need to have access to all the family money.

category12 · 05/02/2025 22:25

Did he throw away his own clothes in the move? 🤔This is so weird.

Are you getting the child benefit paid to you?

WigglyVonWaggly · 05/02/2025 22:24

The arrangement isn’t working because he’s not sharing money - he’s treating it like he’s doing you a favour by allowing you to buy clothes with his money. He feels he can do this because he earned it. What that says is that he totally lacks respect for your role in him being able to earn it: your support, your sacrifices, your provision of childcare etc. That kind of selfishness and stinginess is financial control.

heroinechic · 05/02/2025 22:21

What is your earning potential? Even if you return to work, if you earn less than him, I wouldn't put it past him to expect you to contribute half and then just have access to whatever you have left over.

You need a joint account where you can spend what you need without asking. The money in his account isn't yours just by virtue of you being married. Obviously if you were to divorce it would be considered as part of the pot to be split. You shouldn't have to divorce to get access to money from your husband.

TheatreTraveller · 05/02/2025 22:20

Get your own job and have your own money then you won't need to ask for any.
This set up clearly doesn't work for your family.

Flossflower · 05/02/2025 22:20

A long time ago, but as soon as we married we had a joint account. When I became a SAHP it was a joint decision and we decided it would be better to put our savings into my name as I had a spare tax allowance because I wasn’t earning. When I went back to work it was part time. I have never had to ask about spending money out of our joint account. Obviously when we went through lean times we both spent sparingly.