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AIBU?

Share your dilemmas and get honest opinions from other Mumsnetters.

Original poster

Or is DP?

33 replies

itsjustacar · 21/03/2025 20:47

We have a car on finance. It’s in my name. (We split bills approx equally but not by paying 50/50 - by taking set bills each to equate to approx 50/50 - hence the car in my name and I pay it). I felt pressured with this car to get one that was more than I wanted to spend (by DP - bigger to accommodate his older DC and a brand new on as he insists they’re more reliable).

I know I am an adult and responsible for my own choices - and I should have stood firm. Anyway, the car is now at approx. The break even point of the contract. I am so tempted to sell it, pay off the finance and just buy a smaller, cheaper one outright. DP is very, very against this.

Wibu just to do it? It’s ‘calculated’ towards my share of the bills but I don’t like having the debt in my name as if we split it’s my burden.

OP posts:
Maray1967 · 22/03/2025 06:18

Yes, get rid of the car finance. We’ve never done PCPs unlike most of our relatives and I think they were a bit shocked when they realised we owe nothing on our cars. Play the Ramsey show to your DH.

Original poster
itsjustacar · 22/03/2025 06:05

@LoremIpsumCici I have some savings I could use

OP posts:
LoremIpsumCici · 21/03/2025 22:57

the car is now at approx. The break even point of the contract. I am so tempted to sell it, pay off the finance and just buy a smaller, cheaper one outright. DP is very, very against this.

If the car is at the break even point, then you’d be selling it for what you owe, and get £0 net for it. So how will you have the money to buy a cheaper, smaller car outright?

Devianinc · 21/03/2025 22:50

Can he not buy his own car for his own kids and you have a car for yourself. Why does he get to tell you what to do or what you want. I’d tell him to take a walk

Stripeyanddotty · 21/03/2025 22:01

It must be head wrecking living like this …

Endofyear · 21/03/2025 21:58

Is the car for both your use? If so, it's not unreasonable that he wants a bigger car to accommodate his older dc.

Brefugee · 21/03/2025 20:50

Get the car you want, and find a better way of splitting bills. Or maybe even splitting back into 2 households.

DearBee · 21/03/2025 20:49

If he wants the nice big car, he should put it on finance himself and you take on one of the other bills to even things out.