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Mortgage free but DH wont let me give up work

538 replies

ChristmasSpirit99 · 21/10/2025 13:36

Hi all,
Just looking for advice. We are very fortunate to recently become mortgage free, due to a mix of my husbands savings, stocks & wage. We both work full time & are older parents… we have 2.5 & 3.5 year olds who are at nursery. Im generally shattered working full time & looking after kids when we have them, I asked my husband if I could give up work as we dont really need my salary. He got extremely annoyed & said absolutely not, the spare cash is needed for major works on the house & the kids futures. It was only due to his hard work that we’re here. Im just annoyed & disappointed, what do you think? Is he right? Xx

OP posts:
Delatron · 23/10/2025 13:06

EchoedSilence · 23/10/2025 12:39

Not his right to do nothing at home when they both work full time. Or do people on here think the higher earner gets a free pass to do nothing at home?

Apparently that. Whilst furthering his career - probably having a lovely work/ life balance and pursuing hobbies.

Meanwhile the OP is running herself ragged working full time and doing everything at home (with 2 very small children) and everything that goes with the kids. Yay equality!

sashagabadon · 23/10/2025 13:04

Go part time? Otherwise all the gains you’ve made will be lost effectively on you not working for next 10 years or whatever. Plus think if your pension and kids only get more expensive as time goes on

Dolphin4 · 23/10/2025 13:02

ChristmasSpirit99 · 21/10/2025 13:48

Thanks all, really appreciate your comments. No, I was hoping to give up work & my husband keep working. Its only because my salary is so small & his isnt that I would expect it that way. I do the lionshare of the kids stuff but Im permanently exhausted hence I wanted a few days to myself (selfish I know) & take them out of pre-school for a couple of days. x

If you give up work surely it will save money on nursery and then out of school and holiday care once they're at school? Have you mentioned that to him? I think you should tell him that if you stay in work he needs to start doing 50 percent of everything to do with the kids, no wonder you're exhausted when he isn't doing his fair share.

Mcoco · 23/10/2025 12:58

Aliceisagooddog · 22/10/2025 21:48

This exactly. It's like a crime now to want to raise your own kids. No wonder so many kids have poor mental health. We should all work to live, not live to work. The OP is the main caregiver and most kids benefit enormously from having an engaged mum at home.

Well said I agree. I was fortunate enough to be able to raise my kids until a certain age. My husband was the main breadwinner and was totally on board. Maybe if you stay at home until the youngest starts school.

Tiswa · 23/10/2025 12:45

At least in the 50s the rules and separation of responsibilities were clear

now we are expected to have a handle on everything including working at the altar of a man who high paying job and investments means a mortgage is paid off - not only that the children are expected to handle nursery etc as well

EchoedSilence · 23/10/2025 12:39

No5ChalksRoad · 23/10/2025 12:36

Because her husband doesn’t want to financially support an able adult partner. As is his right.

Not his right to do nothing at home when they both work full time. Or do people on here think the higher earner gets a free pass to do nothing at home?

EchoedSilence · 23/10/2025 12:37

GlitterFaery · 23/10/2025 09:33

Come on OP, surely you must know you’re being ridiculous and very unfair on your husband. Why should you get to give up work just because you’re mortgage free? The kids will be at school soon so it’ll be easier. Why can’t you just stay in work and use the ‘mortgage money’ to pay for a cleaner/gardener/window cleaner etc. It will take the pressure off a bit without your husband having to worry about being the sole breadwinner.

Or maybe he could pull his weight more.

No5ChalksRoad · 23/10/2025 12:36

sunshinestar1986 · 23/10/2025 12:25

Lots of people are saying get a cleaner.
Why can't she just stay home?
Saves on cleaner and child care?
Money saved is like money earned right?
And no more worrying about who needs to be home if kids are ill, who's gunna take them if they need doctors.
Pretty sure OP had to do that anyway!

Because her husband doesn’t want to financially support an able adult partner. As is his right.

AllyCart · 23/10/2025 12:31

As usual there's a very noisy minority.

sunshinestar1986 · 23/10/2025 12:25

Lots of people are saying get a cleaner.
Why can't she just stay home?
Saves on cleaner and child care?
Money saved is like money earned right?
And no more worrying about who needs to be home if kids are ill, who's gunna take them if they need doctors.
Pretty sure OP had to do that anyway!

randomchap · 23/10/2025 11:56

Delatron · 23/10/2025 09:59

Eventually but the first page is quite disparaging. She says she’s exhausted working full time and doing all the kids stuff. The posts are very pro the DH when it’s clear he is the problem. He is where he is in his career because she picks up all the slack at home. That’s why she’s exhausted. You have a pile on saying she’s unreasonable. She accepts she is and disappears.

She probably hasn’t seen the rest of the thread and is now resigned to working full time and still doing most things at home. Brilliant- well done Mumsnet. The DH is happy!

She did leave it saying she was going to push him to do more kids stuff, so she'd definitely taken it on board that the division of labour was unfair.

Whether she succeeds is anyone's guess.

I hope they do find a better balance

Delatron · 23/10/2025 09:59

G5000 · 23/10/2025 09:33

those posts didn't say she should do everything at home though. I think posters quite unanimously agree their domestic workload sharing is not fair. First post also didn't mention that aspect.

Eventually but the first page is quite disparaging. She says she’s exhausted working full time and doing all the kids stuff. The posts are very pro the DH when it’s clear he is the problem. He is where he is in his career because she picks up all the slack at home. That’s why she’s exhausted. You have a pile on saying she’s unreasonable. She accepts she is and disappears.

She probably hasn’t seen the rest of the thread and is now resigned to working full time and still doing most things at home. Brilliant- well done Mumsnet. The DH is happy!

G5000 · 23/10/2025 09:33

those posts didn't say she should do everything at home though. I think posters quite unanimously agree their domestic workload sharing is not fair. First post also didn't mention that aspect.

GlitterFaery · 23/10/2025 09:33

Come on OP, surely you must know you’re being ridiculous and very unfair on your husband. Why should you get to give up work just because you’re mortgage free? The kids will be at school soon so it’ll be easier. Why can’t you just stay in work and use the ‘mortgage money’ to pay for a cleaner/gardener/window cleaner etc. It will take the pressure off a bit without your husband having to worry about being the sole breadwinner.

Delatron · 23/10/2025 09:31

Jellybunny56 · 21/10/2025 13:40

Well yeah, he is right. How do you propose paying your % of things, and providing for your children (because they will always need something as they get older especially), if you don’t have an income?

You’re allowed to be disappointed but he’s completely within his rights here.

This post.

So many - basically all the first page of replies are basically a pile on to the OP. Saying she’s being completely unreasonable.

So it’s fine for the woman to do everything at home and work full time whilst the poor man works but doesn’t do his fair share at home. Of course his career is more successful! Why do we think that is???

Delatron · 23/10/2025 09:29

HoskinsChoice · 21/10/2025 13:39

Oh look another deliberately rage clicky thread. Yes you're unreasonable. Yes you're embarrassing. Yes you're entitled. Is that what you're looking for?

This post

Delatron · 23/10/2025 09:29

ticktickticktickBOOM · 21/10/2025 14:01

So you are mortgage free because your husband paid for the house with his wages and savings. Yes he is still committed to working and you want to give up work?

How is that fair?

This post.

MrsBennetsPoorNervesAreBack · 23/10/2025 09:14

Delatron · 23/10/2025 08:33

I hope OP didn’t read the first few unhelpful ‘stay in full time work and do everything at home you lazy cow whilst your DH gets to focus on his oh so important job’ and left the thread. I can’t believe those replies. Talk about setting women back!

Can you refer us to which posts suggested that she should stay in FT work and do everything at home?

BlueandPinkSwan · 23/10/2025 09:11

MikeRafone · 22/10/2025 16:01

to be honest OP he sounds like a gold digger

he wants you to work full time and work full time at home whilst he just works full time,

This is incorrect.
The term gold digger [usually a woman] refers to someone who is with someone for their money and wants gifts and presents from said person and not work themselves.
OP is not a gold digger but neither is her h. They currently both work and therefore aren't gold diggers.

Delatron · 23/10/2025 08:33

I hope OP didn’t read the first few unhelpful ‘stay in full time work and do everything at home you lazy cow whilst your DH gets to focus on his oh so important job’ and left the thread. I can’t believe those replies. Talk about setting women back!

MumsGoneToIceland · 23/10/2025 04:41

ChristmasSpirit99 · 21/10/2025 13:36

Hi all,
Just looking for advice. We are very fortunate to recently become mortgage free, due to a mix of my husbands savings, stocks & wage. We both work full time & are older parents… we have 2.5 & 3.5 year olds who are at nursery. Im generally shattered working full time & looking after kids when we have them, I asked my husband if I could give up work as we dont really need my salary. He got extremely annoyed & said absolutely not, the spare cash is needed for major works on the house & the kids futures. It was only due to his hard work that we’re here. Im just annoyed & disappointed, what do you think? Is he right? Xx

Haven’t RTFT and assume it’s been mentioned but is going part time (4 or 3 days) not an option so you can spend quality time with d.c and get on top of some chores whilst dc are playing/napping?. With reduction in childcare and tax potentially it may not make a huge difference to your salary

llizzie · 23/10/2025 02:38

ChristmasSpirit99 · 21/10/2025 13:55

Thanks all, think Im getting the overall gist here. I suspected it might not be fair but I will push on him to do more of the kid stuff.. xx

You pay may be small in your eyes, but you are also ensuring your state pension contributions. You may be credited for the years of child rearing, but you will need a minimum contribution total to qualify.

If you are not already saving for a private pension and you do not need the money you earn (or the net amount after expenses) you can put most of it into a private pension scheme for yourself.

Imbusytodaysorry · 23/10/2025 00:33

@ChristmasSpirit99 id drop to 2/3 days .
I would def tell him you need to sit and sort out everything 50/50 until you drop your days.

If he doesn’t step up then you have good cause to do the kids and home full time and he works outside the home full time. .

Gardener123 · 22/10/2025 23:03

I don’t think you’re being unreasonable- your kids are only young once and if you can afford to have some extra days with them why wouldn’t you? Then a couple of days for yourself (and do to the domestic stuff!) overall you may all be happier. You can go back to work when they’re older. I’m part time 0.5FTE and it works perfectly as a balance. We could have a nicer house if I was full time but we are happy. Just because it isn’t paid housework/mothering is a job too! And it sounds like he’s got lucky having you doing most of the chores and working. He’s only managing his high paid job and being a parent because you’re picking up the slack- you have contributed to the financial success of the family too. We see our family as a team! Another option is him dropping a day of work to spend with kids or housework and you going part time. I actually can’t believe some of these replies.

Damsonjam1 · 22/10/2025 22:43

I'd push for working part time, especially if you're doing the lion's share of childcare and home management.