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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:
EBTR · 01/08/2025 16:25

It was not a unilateral decision. They discussed it. From the OP's account he was not enthusiastic. Not being enthusiastic is not the same as outright opposition and saying he was totally opposed to her wishes.
To me it now seems as if he is punishing her by deliberately throwing luxury items into the shopping, claiming that as he now earns 90K 'his penny pinching days are over' and he can afford these expensive choices. But she is having to subsidise HIS choices. If he wants lobster, caviar and fillet steak, HE SHOULD PAY FOR THEM. He is a fucking hypocrite, needlessly pushing the food bill up and happy for her to 'penny-pinch'. I would have left an unsympathetic, selfish and solipsistic pig already. There is something unpleasantly punitive about his actions and him boasting about his wealth. I beg you, do not marry this c**t

SunnySideDeepDown · 01/08/2025 16:20

jbm16 · 01/08/2025 13:29

You are married with kids, doesn't mention how long they have been together so not sure it's a red flag at that stage, however they should have agreed how they were going to split before she changed her job?

If you pay for different things and then pay whatever is left into joint account, why don't you have a joint account to start with like normal people?

Like normal people? What’s that supposed to mean?

We keep separate accounts so we keep our own autonomy. It’s important for us both to have absolute freedom. If I want to spend £500 on a chair, I can. If he wants to spend the same on a piece of tech, that’s fine.

Each to their own, it’s nothing about “normal”, it’s about fairness, respect and kindness.

FortheloveofCheesus · 01/08/2025 16:18

So you took a financial decision that required him to subsidise you, which he wasn't very happy with, and you did it anyway?

I earn well.DH are happy together based on knowing we trust each other to contribute financially. We would support each other to take a slightly lower paid/lower stress role but thats not the same as dropping from 90 to 35k! It places a huge pressure on the other earner that wasn't expected.

Jacopo · 01/08/2025 16:16

I do not think you should marry this man. Or have kids with him.
You would be much better and happier opting for the single life.

ChelseaBagger · 01/08/2025 16:12

You say you're getting married next year. Has he mentioned anything about a pre-nup ....?

ChelseaBagger · 01/08/2025 16:11

He doesn't get to decide what you spend your money on. He doesn't get to tell you what type of food/holiday/luxuries you have to pay for.

Long-term, your options are

a) pool your money as a household, have equal say how it's spent

b) split essentials unequally (even though you presumably both use the house and the utilities pretty much equally) leaving you both the same spending money for luxuries

c) split essentials equally, and he has more money for luxuries

EBTR · 01/08/2025 16:11

Why was he not supportive? This is his future life-partner.

Emma6cat · 01/08/2025 16:07

I can never understand my money, your money notion. Maybe I am old fashioned but if you are a partnership and in love surely you do your best for your partner and work as a team. My DH earns more than me, but we just put our wages together and pay everything out of that pot. Money is the root of all evil as the saying goes. I guess because my parents always said that they would never argue about money I hold the same values.

Whiningatwine · 01/08/2025 16:02

EBTR · 01/08/2025 15:54

She did discuss it with him, so it is unfair to say that she made the decision 'unilaterally'.
This woman is his fiancée, the woman he has asked to share his life with him, his love, his companion, HIS WIFE. He should be delighted to be in the position to help her, support her and treat her to lovely things
He is niggardly, resentful, passive-aggressive and punitive. My partner and I have had fluctuating incomes over the 20 years together. I am now the higher earner, I am so happy that my income can allow us to have a good life-style for both of us. My partner is completely unmaterialistic, ( I am bloody well not!) money and possessions are meaningless to him, if he has a windfall he gives me the lion's share. I feel privileged to be able to pay for nice things, treat him, share wonderful experiences.
For those responding that she should refuse to go to expensive restaurants and luxury holidays and if he were to accept that and be perfectly happy to do these things without her, that is simply beyond my comprehension. If our positions were reversed and my higher earning fiancé happily indulged in his expensive lifestyle without me, I would walk out without a backward glance because he had shown me what his priorities were.

She discussed with him. He wasn't supportive and she went ahead anyway. He never signed up to pick up her shortfall. She imposed that on him without his agreement.

WordsFailMeYetAgain · 01/08/2025 15:59

I voted YABU because you made the choice to cut your income, and presumably your partner didn’t agree beforehand that he would pick up the slack/contribute more? Your partner was not happy about you changing jobs. Why could you not have just moved law firms, there are literally hundreds in London. You could even have come out of central London and not taken such a huge cut.

Now you need to cut your cloth - if that means you can’t go out as much etc then that’s the consequence of your choice. I would suggest that when you go shopping, you let your DP pay the bill.

Moana987 · 01/08/2025 15:59

To be honest, he's tight, Id worry about having kids with him.

My husband puts £1,500 in our joint and I put £500 because he earns more. He would never ask me to go 50/50 when he out earns me by about 40k!

iamnotalemon · 01/08/2025 15:55

Definitely try and iron out any issues before you get married - particularly how things will look financially if you have children.

You are earning a smaller salary so probably need to manage your own expectations regarding what you can afford lifestyle wise now. Less extravagant holiday/gifts for others etc. Your disposable income should be enough but if you’re still living the life of someone on your old salary, then it won’t be and I’m not sure why your fiancé should pick up the slack financially if I’m honest. If you were struggling, yes, but if you’re spending £900 a month and savings on rubbish? No.

Also, your mum is paying for your wedding! That’s another reason why I don’t think you’re as financially sound as you should be if I’m honest.

EBTR · 01/08/2025 15:54

She did discuss it with him, so it is unfair to say that she made the decision 'unilaterally'.
This woman is his fiancée, the woman he has asked to share his life with him, his love, his companion, HIS WIFE. He should be delighted to be in the position to help her, support her and treat her to lovely things
He is niggardly, resentful, passive-aggressive and punitive. My partner and I have had fluctuating incomes over the 20 years together. I am now the higher earner, I am so happy that my income can allow us to have a good life-style for both of us. My partner is completely unmaterialistic, ( I am bloody well not!) money and possessions are meaningless to him, if he has a windfall he gives me the lion's share. I feel privileged to be able to pay for nice things, treat him, share wonderful experiences.
For those responding that she should refuse to go to expensive restaurants and luxury holidays and if he were to accept that and be perfectly happy to do these things without her, that is simply beyond my comprehension. If our positions were reversed and my higher earning fiancé happily indulged in his expensive lifestyle without me, I would walk out without a backward glance because he had shown me what his priorities were.

BoudiccaRuled · 01/08/2025 15:54

You aren't well matched. He wants to burn the candle at both ends while he can, whereas you went for a lower stress career before you even had kids.

iamnotalemon · 01/08/2025 15:47

MumWifeOther · 01/08/2025 15:38

Gross. I wouldn’t marry a man who would happily and peacefully watch me struggle to pay bills. I think by default men should pay the bills anyway, but I guess I’m just old fashioned like that ☺️

Edited

Wow!!

Yelleryeller · 01/08/2025 15:46

40YearOldDad · 01/08/2025 15:16

I didn't say she earned 90k, I said keeping up with someone earning 90k, the OP said herself she earned 'extremely well', and I've read she was on 75K, she left that to earn 35k, regardless of the reasons why, she decided to take a 50% pay cut.

The partner here can afford to live such a lifestyle, surely it's up to him if he pays extra to afford the OP to continue with such a lifestyle - ask yourself, why should he not enjoy the fruits of his labour? He's not living above his means; he's not suddenly started spending above his income.

Logically speaking, a proportional % of income doesn't work (in this situation) if it's being thrust upon one party, especially when they have been on an even keel along the way. A 50/50% split was agreed upon at the start of the relationship, and then one side has made a conscious decision to halve their salary. Yes, this has resulted in the OP's % of earnings to costs ratio increasing, but this was of no fault of the other party, it doesn't sound like at the time it was even asked if he would support this.

Household expenses are £1500 each, based on a 35k salary the OP is picking up £2400 per month -(minus any pension contributions etc) she's £900 in the black, but having a shortfall of £200 PCM - the OP is spending above her means.

  • Either the partner needs to say okay, I don't mind paying extra, or the OP needs to start spending less unless she wants to burn through all her savings.

Again, they are essentially boyfriend and girlfriend. I'd have a very different view if they were married, and that would change, throwing children into the mix.

He isn't affording it though, he's asking OP to subsidise half of it while he keeps the rest for himself. Just because he earns 90k doesn't mean they're joint expenses need to rocket to that level especially when it's on things only he wants to spend money on while she covers half of it.

Logically speaking, a proportional % of income doesn't work (in this situation) if it's being thrust upon one party

Once again theyre already paying a proportional % of their income except OP is paying the bigger portion and her partners got basically her salary pre contributions left over after his contributions. If OP had remained on 75k and not quite her job, are you still saying her partners salary should go up to 90k and a 50/50 split is still fair? If so you need to actually explain how it's fair for any reason other than "partner not happy!" You're accusing OP of living beyond her means while ignoring or not reading that her partner is adding his whims and fancies to the joint household bill - HE is loving beyond her and their means.

Again, they are essentially boyfriend and girlfriend. I'd have a very different view if they were married, and that would change, throwing children into the mix.

They own a property together and they're engaged! I agree it's not marriage but it still doesn't mean one can financially rinse the other (and no the one being rinsed isn't the one with leftover salary, accepting a loan from OPs mums, and getting a higher % of the house while splitting repayments 50/50 and.chucking expensive food and takeaways into the mix ).

CaptainFuture · 01/08/2025 15:43

Whiningatwine · 01/08/2025 15:38

It's only fair if you can both trust each other not to take the piss though. Me and my ex did this, and when I got a promotion at work he went part time without telling me beforehand because "we" could now afford it.

This. @AnyPomegranate if you did move and then he advised he was stopping work to train as a self employed balloon artist, youd support him?

Whiningatwine · 01/08/2025 15:38

househelp12345 · 01/08/2025 14:12

My DH and I do percentage of income. It’s the only fair way. Every year we put all our joint expenses and updated take home pay into a spreadsheet. We have a formula that calculates what we each need to put into our joint account to cover bills. It’s based on what we earn. We then put that amount into the joint account and keep the rest of our pay in our own accounts for fun money. We’ve used the same formula for our whole marriage. When we got together I earned a quarter of what my DH did. I now earn 5 x more. The formula has always stayed the same. (My contributions have skyrocketed!)

It's only fair if you can both trust each other not to take the piss though. Me and my ex did this, and when I got a promotion at work he went part time without telling me beforehand because "we" could now afford it.

MumWifeOther · 01/08/2025 15:38

Gross. I wouldn’t marry a man who would happily and peacefully watch me struggle to pay bills. I think by default men should pay the bills anyway, but I guess I’m just old fashioned like that ☺️

PetethePlumbersToolkit · 01/08/2025 15:37

I think you need to stop wedding planning as you've got a huge issue here in terms of attitudes to finance and working together as a partnership. What's going to happen with finances once you marry? Have you worked that out?
This situation would be making me think about whether this person is the right one for me.

EuclidianGeometryFan · 01/08/2025 15:36

4forksache · 01/08/2025 15:24

Continue paying your half of bills.

Work out what you need for hair clothes etc. This is where you can be more frugal, but it needs to be a realistic figure.

Work out the rest of your income and allocate an amount for holidays. Do the same for spending money per month. Also work out a fair amount for food shopping each month that includes some nice stuff but not too extravagant.

Share those figures with dh and say “this is what I can afford”. It’s enough for basic stuff and if you don’t want to move out of London, that’s all I can pay. Anything else you want to do above those figures, you’ll have to do on your own or you’ll have to pay extra for my share too if you want me to do it with you.

Then stick to that budget. I’d transfer the shopping money to him and get him to pay for the shopping. I might do the same for holidays and socialising too. Then it’s up to him.

Don’t spend your savings. You might need those if you split up and certainly don’t stop your pension. You need that more than ever now, as you won’t be able to rely on a state one at your age.

It gives the control and choice to him, but you won’t be spending more than you can afford. It’s all being very transparent.

Great post.
Excellent idea to transfer your budget shopping money to him and he pays at the checkout. Much better than two trollies or two trips.

But that is just a short term solution. You still need to have the big conversation that I posted about above, to settle on your financial arrangements for marriage.

Because you CANNOT continue with 50/50 long term when you are supposed to be life-partners. For all the reasons people here have said.

Nevereatcardboard · 01/08/2025 15:33

I really don’t think you should go ahead with this wedding @AnyPomegranate
as it doesn’t sound like you’re compatible with this man.

YourWildAmberSloth · 01/08/2025 15:33

YABU. You had an equal financial responsibility and unilaterally changed that, and now expect him to pick up the shortfall. I understand wanting to leave your previous job, but not leaving without working out how you were going to pay your way. On the flip side, you should be able to say no to expensive social activities if these are now beyond your budget.

EBTR · 01/08/2025 15:32

ThreePointOneFourOneFiveNine · 01/08/2025 14:46

How do people still not see it?! She’s not insisting that he subsides her living a luxurious lifestyle she can’t afford, he is insisting that she subsides him living a luxurious lifestyle she can’t afford. She’s in the position of considering stopping paying into her pension to try to keep up with the money he’s demanding and still you claim she’s the one being unfair financially?!

OP this man wants to spend money more than he wants you. He is not committed to you, he is committed to the lifestyle he wants and he views you as part of that so long as you keep up with your financial contributions.

I don’t know what sort of wedding you were planning on. Personally I had a non religious ceremony but I do very much believe in the church vows, “for better or worse, for richer or poorer, in sickness and in health, to the exclusion of all others, till death do us part” (I may not be entirely accurate on the wording). I didn’t actually say it, but I absolutely meant it when I married, and I still mean it having been married for 22 years and having faced many ups and downs together. This man has made it clear that he does not believe the richer or poorer, or the sickness or health parts of these ideals at all. He would rather see you have a breakdown or go bankrupt than compromise his standard of living for a couple of years while you climb your new chosen ladder. He is not marriage material.

Totally agree.

Muffinmam · 01/08/2025 15:31

Get a second job.

You made a decision to reduce your income. It’s not up to your fiancé to subsidise your life.

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