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AIBU?

Share your dilemmas and get honest opinions from other Mumsnetters.

For wanting my partner to pay more of the mortgage?

543 replies

AnyPomegranate · 01/08/2025 08:46

My fiancé makes about £90k pa plus bonus. I used to earn extremely well as a lawyer but decided to career change as I loathed the work and long hours. I now earn £35k with good future earning potential. We live in London and pay about £3000 pm for mortgage/bills which we split mostly 50/50 (see below).

Currently I'm about £200 short per month. I'm doing my best to increase my income and reduce expenses, but ultimately £35k doesn't go far in London so I'm finding it a little stressful. Part of the problem is that my partner isn't making it easy to budget - he insists on staying in London (I want to move) and because he earns well he wants to regularly eat out, go on holidays, buy what he wants in the food shop etc. It feels silly to say that I'm finding it hard financially on a household income of £125k, but obviously the vast majority of that money is my partner's and not mine.

I was reading online that some couples split bills as a proportion of their income, rather than 50/50. So today I asked him if he would mind paying a little bit more of the mortgage so that I have enough to break even, just temporarily until I'm able to get a promotion. He told me no, it was my decision to take a pay cut. He also pointed out (reasonably) that the bills have gone up so he's already paying about £200 more than me as it is (the bills come out of his account so I wasn't aware).

I can see his point of view so I'm not sure if what I'm asking is cheeky or reasonable. Please be gentle, I'm aware that I'm in a privileged position compared to a lot of people.

OP posts:
Tiswa · 01/08/2025 12:07

Lavenderflower · 01/08/2025 11:57

I think the main issue here it appears he did not agree to you cut your hours and he not a provider type of man.

Or any type of decent man

the house spilt is 55/45 yet the mortgage payments are 50/50

all the decisions are based around what he wants

I suspect the housework isn’t 50/50

he will make an awful dad and husband!

is he paying towards the wedding?

JHound · 01/08/2025 12:05

sandyhappypeople · 01/08/2025 11:48

This is the crux of the problem isn't it, if you don't agree, what then? Why should her fiance get his way, why should OP get her way? Neither should happen IMO, anyone married or seriously planning on getting married should have been able to come to a solution to this problem between themselves before decisions were made, compromise is what it is all about.

The fact that her fiance is so rigid in his thinking that OP has had to do what she needs to do for her mental health without his approval proves that they are not compatible for marriage in the slightest and he will never care about her more than he cares about her financial input and his lifestyle.

Don't get married OP and don't ever consider having children with him, the fact that you are borrowing the wedding money from your mum instead of him financing it is another red flag, are you sure he is as keen on marriage as you are? Think VERY long and hard before you tie yourself to him legally!

Agreed. Marriage means two people becoming one. I don’t actually think either is wrong but of they cannot reach a mutual agreement now I doubt this marriage will last. Good to reassess now before the wedding day.

OlderGlaswegianLivingInDevon · 01/08/2025 12:04

I would postpone the wedding, as I can see a divorce in a few years time as you are not both on the same page re so many things.

Why would you get yourself into debt to pay for a wedding, even if it is to your mother you would be owing the money.

How much is he contributing to the wedding.

AvidJadeShaker · 01/08/2025 12:02

Say no to the holidays and eating out.

ScholesPanda · 01/08/2025 12:00

Overall YANBU. However, it does sound a bit like you've decided to change careers unilaterally and I could understand why that might annoy him as he now needs to contribute more.

There are two possibilities here- either you fundamentally value different things- for him it is money, whilst you value quality of life. You may no longer be compatible.

Or, you've moved into a lower paying job and will climb back to earning more- closer to what he earns or more than he earns. In which case he isn't acting like a partner in a relationship and is a selfish ass. If you end up earning more than him, watch the worm turn.

Either way, I wouldn't marry him.

Francestein · 01/08/2025 11:58

Get some legal advice if you can.

Lavenderflower · 01/08/2025 11:57

I think the main issue here it appears he did not agree to you cut your hours and he not a provider type of man.

YouCantProveIt · 01/08/2025 11:57

Hello @AnyPomegranate

Ive read all your posts - but not the full thread.

I worked those hours for a firm in London. I get it. You’ve made the choice you’ve made - but I would be very encouraging about a good life in law outside London. But it is what it is.

It seems to me that the balance in this relationship is off. When all is well and you’re conforming things seem ok. When things aren’t balanced exactly nothing can be adjusted and then there is no room for negotiation. Like he wants you to pay for his expensive items - that’s taking advantage.

I would not get into debt for your wedding - especially from your mother. Save for it - see if he will make the sacrifice / invest in it ahead of time. Or cut your cloth to suit.

If he doesn’t need to be in London for work (seems like only one day a week) the he is choosing his comfort over your ability to live.

He has you in a double bind. He wants you to live a life you can’t afford, but won’t share resources.

Get financial counselling before marriage at a minimum. It will only get worse from here and you’re clearly not happy.

MrsSunshine2b · 01/08/2025 11:56

Divorce him, take half of everything you have, buy somewhere up North for a fraction of the price and find someone who doesn't treat you like a housemate.

ShallIstart · 01/08/2025 11:53

My partner gave up a high paying job and now I am the higher earner. I just pay more than him. We have kids and I needed him happy and healthy, not worked to the bone and miserable.
If youbare planning a life, marriage and kids then you both have to want the same things. What would have hapoened if you stayed in corporate law and were on say 200k to his 90k. What would you think is fair. I would think its fair for 200k person to pay more than the 90k person. If you would be happy with that then you should suggest that tbe tables could very well turn again, or get even more skewed if you were on mat leave or had a child with additional needs and needed to stay home.
Its a good time to have all of these discussions.

ruethewhirl · 01/08/2025 11:51

SunnySideDeepDown · 01/08/2025 09:02

My question would be: are you a family or cohabiting adults?

Family don’t treat each other like that. My husband earns £80k, I earn £40k (and work part time which he doesn’t resent).

He pays ALL the mortgage and bills, and I pay kids stuff, holidays, clothes, house renovation stuff. Basically more ad hoc stuff. Anything left in our accounts goes into joint savings.

This is a red flag OP. He’s more willing to see you struggle than move somewhere more affordable. Not great form. I expect this’ll continue but worse when you have a child. He sounds selfish and is looking after his own interests rather than that of a household. Think carefully.

Totally agree. DH have a similar earnings disparity, no kids but we split everything proportionately to what we each earn. I think his attitude tells you a lot about who he is as a person, OP, and in my opinion YANBU.

Threads like this tend to attract some very depressing responses on MN, though. If a person (of either sex) isn't working full time and beyond and earning the highest salary they can (regardless of childcare needs or the absence of them) then that person is apparently a cock/fanny lodger. I see so many posts on threads like this that read as money-obsessed. There are so many other things in life that matter too when two people are living life together supposedly as a team.

mylovedoesitgood · 01/08/2025 11:49

familylawyer01392 · 01/08/2025 11:47

What has led you to make these assumptions?

I wrongly assumed she had no savings (sorry).

OP has said she’s borrowed money for the wedding.

FlourSugarButter · 01/08/2025 11:49

You don't need separate food shops, you need separate lives.

Tiswa · 01/08/2025 11:48

@AnyPomegranate can you communicate all of this to him that you don’t want to spend money on that stuff and reach a compromise

  1. payments should be at least 55/45 to reflect the split

but also if he only wants things one way (his) and won’t compromise at all or listen to you is this how you want your life to be?

sandyhappypeople · 01/08/2025 11:48

JHound · 01/08/2025 11:25

Yes.

Doesn’t change what I said.

Big decisions need to be made as a couple not unilaterally.

If she wants him to support her and he doesn’t then she has to decide what this means for the relationship. Not just shrug and do it anyway.

Edited

This is the crux of the problem isn't it, if you don't agree, what then? Why should her fiance get his way, why should OP get her way? Neither should happen IMO, anyone married or seriously planning on getting married should have been able to come to a solution to this problem between themselves before decisions were made, compromise is what it is all about.

The fact that her fiance is so rigid in his thinking that OP has had to do what she needs to do for her mental health without his approval proves that they are not compatible for marriage in the slightest and he will never care about her more than he cares about her financial input and his lifestyle.

Don't get married OP and don't ever consider having children with him, the fact that you are borrowing the wedding money from your mum instead of him financing it is another red flag, are you sure he is as keen on marriage as you are? Think VERY long and hard before you tie yourself to him legally!

LBFseBrom · 01/08/2025 11:47

Espressosummer · 01/08/2025 08:54

Maybe he thinks the OP is selfish. She has unilaterally decided she would significantly reduce the household income and now expects her partner to shoulder the financial burden she has created. Perhaps he would like a less stressful, lower paid job too. They took out the mortgage together based on their combined earning then the OP moved the goal posts. He's already subsidising the OP and now she wants more.

@SaladAndChipsForTea have to disagree with you. It is the OP who is acting like what's hers is hers and what's his is also hers, not the partner. The OP wants claim to what's his so she can have a nicer job.

Edited

I think that though I have some sympathy with the op. Married couples or those living together and have a child or children usually do work out finances proportionately but in this case she needs to pay an equal share or else not do all the expensive things her partner enjoys (and no doubt she also enjoys). It was her choice to take a substantial cut in salary and earning £35k is really not much, something has to go.

CatsorDogsrule · 01/08/2025 11:47

I agree with others that 50/50 is unfair when he owns a larger share of the property, not that this would make a huge dent, but it's the principle. I wonder what difference it would make if backdated too.

I would want a clear understanding on expectations if you have children. I just don't see him changing his current stance and would expect 50/50 forevermore, even if you take a huge financial hit for maternity and childcare reasons.

I'd be thankful to have seen the future with him while I had a chance to change it, and I'd get out of the relationship.

familylawyer01392 · 01/08/2025 11:47

mylovedoesitgood · 01/08/2025 11:27

No, she’s shit with money @IsItatrashmarriage When she was a high earner, she seemingly didn’t even bother to save anything for a rainy day like she’s experiencing now, and has borrowed money to pay for her wedding.

Edited

What has led you to make these assumptions?

familylawyer01392 · 01/08/2025 11:45

AnyPomegranate · 01/08/2025 08:46

My fiancé makes about £90k pa plus bonus. I used to earn extremely well as a lawyer but decided to career change as I loathed the work and long hours. I now earn £35k with good future earning potential. We live in London and pay about £3000 pm for mortgage/bills which we split mostly 50/50 (see below).

Currently I'm about £200 short per month. I'm doing my best to increase my income and reduce expenses, but ultimately £35k doesn't go far in London so I'm finding it a little stressful. Part of the problem is that my partner isn't making it easy to budget - he insists on staying in London (I want to move) and because he earns well he wants to regularly eat out, go on holidays, buy what he wants in the food shop etc. It feels silly to say that I'm finding it hard financially on a household income of £125k, but obviously the vast majority of that money is my partner's and not mine.

I was reading online that some couples split bills as a proportion of their income, rather than 50/50. So today I asked him if he would mind paying a little bit more of the mortgage so that I have enough to break even, just temporarily until I'm able to get a promotion. He told me no, it was my decision to take a pay cut. He also pointed out (reasonably) that the bills have gone up so he's already paying about £200 more than me as it is (the bills come out of his account so I wasn't aware).

I can see his point of view so I'm not sure if what I'm asking is cheeky or reasonable. Please be gentle, I'm aware that I'm in a privileged position compared to a lot of people.

similar to me and my DH i earn around the same as you and he earns 140 + 100% bonus. he pays for far more than me. actual mortgage we divide 50/50 (only about £500 each) and he pretty much pays for everything else. would be entirely unfair for me to pay the same or even just £200 less. youre supposed to be building a life together, he is coming off as stingy.

AnyPomegranate · 01/08/2025 11:44

mylovedoesitgood · 01/08/2025 11:27

No, she’s shit with money @IsItatrashmarriage When she was a high earner, she seemingly didn’t even bother to save anything for a rainy day like she’s experiencing now, and has borrowed money to pay for her wedding.

Edited

I do have savings which I am using to top up my income - the issue is that I am eating through it rapidly, partly because of my partner's decisions e.g. holidays (I'm happy to go without), service charge (wouldn't be an issue if we left London and bought a house), meals out (not crazy expensive but it does add up) plus attending weddings (I seem to have hit an age where it's 3 a year right now), bills going up, etc...

If I get a promotion before the savings run out that's fine, but I would rather either (a) reduce my expenditure so that it doesn't get to that point, or (b) alternatively if partner doesn't want to compromise on lifestyle then pay a little bit more so that I'm not required to dip into my savings so much. If anything I think thinking ahead like this makes me sensible with money

Be nice! You don't need to swear to make your point

OP posts:
BIossomtoes · 01/08/2025 11:44

it could be argued she's financially supporting his lifestyle

Only in Wonderland.

Yelleryeller · 01/08/2025 11:42

JHound · 01/08/2025 11:36

If he had written a comment asking for advice I would respond to him.
He has not. She has.

I did not say she needs his permission to quit.

She is not asking about that. She is asking about his financial support. Yes I think you need to agree with somebody that they will financially
support you.

And yes if they incur costs equally and she wants to pay less that requires his financial support - or an agreement than he will start contributing more financially.

Edited

Splitting joint costs in the fairest way isn't financially supporting someone though. Id agree if OP was staying at home and not earning or contributing anything. Instead she's earning less, paying more as a proportion of her income towards their JOINT costs and paying more towards their joint asset while owning less of it. A 50/50 split looks fair on the surface but usually it deceptively is benefitting the higher earner in a way it could be argued she's financially supporting his lifestyle, it's just not as obvious.

overwork · 01/08/2025 11:42

Completely off topic, but what industry have you gone into?
Back on topic, I don’t think either of you are particularly in the wrong here, but I’d be nervous for your married life. He seems to want the big shot high flying wife and lifestyle to match, you seem to be prioritising a steadier pace of life with less luxuries but more time.
Both valid choices, but both very removed from each other

Phobiaphobic · 01/08/2025 11:42

Honestly, I don't understand the point of being married if it's not to pool your resources and support each other when needed. If you're planning to have kids, OP, you sound on the road to potential financial abuse.

Yelleryeller · 01/08/2025 11:38

ohdelay · 01/08/2025 11:33

No one's angry at you, it's just not relevant. You're derailing the OPs thread now, maybe start your own about the mental load in a shared childfree home and I'll see you there.

Edited

It is relevant because on top of having her mental health on the floor and wanting to be hit by a car on the way to work, OPs partner wasn't even supporting her by picking up the slack on labour around the house while he has more free time just like he expects a 50/50 split financially while he has more money and is financially benefitting from her contributing 50% to an asset she'll only get 45% back on when they sell. I'm not detailing the thread, I was asking to see if OPs partner believed in fairness as a principal or only when it benefits him.

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