To think we should cancel our holiday

yes, same question. If it's yours I'd pull it out of the joint account so only you can access it, if he keeps dipping into it for random shit you haven't agreed, it's essentially stealing from you. But given the time that has elapsed since several people asked you I'm going to assume it's his. In which case you can't really curtail what he does with it. I'd push ahead with spending it on something that you do have influence over - i.e. the house. If he's that dippy doesn't sound like he'll ringfence the difference between who put what in, as long as you jointly own it then you're both benefitting.

Rather than lose the voucher can you not swap it to somewhere cheaper?

Even if you can't, I don't understand why, if the only thing you've booked is the flights, that means the rest of the holiday HAS to be expensive?

Say you were planning on going to disneyworld, just go somewhere else in florida that's cheaper, enjoy the weather and somewhere with a nice pool, possibly go to one park rather than doing every studio and staying in a disney hotel.

You spent £30,000 on "nice things" when you don't even own a house. I think you both have a problem.

Two seperate issues here. The fact your Hs carelessness wastes money; and what is acceptable to spend the £150k on. The first needs to be addressed. You need to come up with a plan as a couple so there are reminders for important things, and spending is checked so there aren't these repeated errors. The second depends on whose relative it was, as while its great if you can agree on use of that money, ultimately the person it was left to has the casting vote. If its his and he wants to spend it on the holiday, then that's up to him. If it's yours, you have every right to cancel.

OP hasn't been back so probably means the inheritance is the DHs

… and creates another problem if one of you loses capacity and you don’t have Powers of Attorney. So get those too. But yes, correct about the protection joint signatures gives if one is a loose cannon.

Possibly already been said, but I have the time to
read all of the responses.

you need to change the joint savings accounts to requiring multiple signatories- then you an only take it out with both parties’ consent. Solves that problem

What is stopping you from buying a house? Then the money won't be there.

Although TBH I couldn't live with a man like this.

https://www.gov.uk/lifetime-isa

If you are both under 40, you can both open a LISA & the Government will add free money, which you can use to buy a property

Each adult can put up to a maximum of 20k into an ISA which is tax free per year
Example
Cash ISA paying 4%
£800 interest on 20k tax free

Each person can put up to a maximum of 50k into Premium Bonds & all prizes are tax free

@LoftyLilacDeer

So take control yourself - organise a Financial Advisor & get the £150k put into an account where it needs both of you to make any withdrawals.

Then, make a budget/plan for everyday finances & decide if/how you'll use the savings.

It sounds as though your husband is a complete child with money & frustrating though it is, you'll have to be the one to take charge & manage your family's finances or forever be facing disappointment & debt!!

It would drive me utterly insane & give me such rage.

Exactly. Not everyone is ever going to afford a 4 bed in London. Or even want one!

It depends WHAT you want to buy. What can you afford?

I don't really understand your financial situation at all. You have this money that may or may not be joint, it's been sitting there for ages now instead of doing anything or buying the house you say you want. It's a massive amount for a down payment so you could have bought a house any time with it, but instead it's just sitting there and your husband is spending it on whatever he fancies that week.

You need to tie up that money (if it's actually yours) or buy a house asap. If you've actually been renting for years while that money sits there doing nothing then you're both as bad as each other.

The holiday is kind of beside the point. I can't imagine it's a 30K trip so you can obviously afford it, but you have wildly different expectations around money and a very confusing attitude towards buying a house so maybe work on the bigger issues first.

It seems as if your "hubby" is more of a petulant child than a grown up man.

You are very very very unreasonable to not have bought a house with that money.
Cancel the holiday and start house shopping this week as a priority.

I think this is only the case if it’s in an account in a sole name, if it’s a joint account the amount increases.

Can you change the dates of the airmiles voucher so it's a shorter, less expensive holiday?

You need to take control of his finances too and tying most of the money up for a year is worthwhile.

Does he have a LISA?

Agree. This sort of stress isn't worth it. Also why are you saving for a house when you have the £100+? Buy the house before all the money is gone.

It depends where you want to buy and how much your salaries will allow you to borrow. Our deposit was £250k (some was husbands from previous house some came from his fam) on a small 4 bed in London. 150k is an excellent start but if you add on moving costs, stamp duty etc they will probably need to save a bit.

Was the £180k from his relative or your relative? I know you’re married but it makes a difference in my mind. If it’s your relative then hell no he shouldn’t be dipping into it!! If it’s his, well it does explain it a little.

Have seperste banks if want but open joint Monzo or starling and have essential pots in there for bills ,money jointly transferred each month then holidays and so on

Plan the money so each month your salary is basically nil.

Because X from both has gone to fun money ,holidays ,Xmas , weekend money , bills ,long term savings and short term savings.

I'm not a fan of premium bonds but whilst your waiting what to do each could have 50 grand in there and you may win something also keeping it out his way

You can only put 20k per year into an ISA.

Deleted duplicate reply. Why did that post twice?

Reading between the lines, you have a joint savings pot with the remainder of the inheritance in. This makes it a marital asset. You have to jointly decide how you approach it. You don’t necessarily need a financial advisor for £150k. You may be able to clue yourself up. Though if you can’t, it would be safer. You need to know whether you have exceeded any tax threshholds for interest yet, how to beat inflation, and how to meet your goals. This can be hard work.
One simple idea: divide it between cash ISAs, Premium Bonds and National Savings. This would remove the whole £150 from tax, with boring safe interest returns. This will not keep up with inflation, so use it for a house deposit ASAP if that’s the intention.
You may decide the holiday is still worth it, to keep the Airmiles saving.
You are where you are, until the sensible one takes charge.