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DH to pay off mortgage then stop house bill contributions

887 replies

Luannaa · 10/01/2026 00:25

DH will take early retirement at the end of the year from a job he has worked very very hard in and made a huge difference to people’s lives and it has also taken its toll on him with things he has had to witness- hence earlier retirement.

This will give him enough money to pay off our joint mortgage which he wants to do so we can be mortgage free. I am extremely grateful for this as it’s huge security for the future and our dc.

However DH then doesn’t want to go into any work for at least a year, for his hobbies his small pension will see him through but this means he cannot pay anything towards the weekly/ monthly bills.

As it stands we combine £1k per month for all joint and household bills, one of these being the £900 mortgage.
With that gone, technically he doesn’t need to contribute any more as he has paid his bit but I feel a bit miffed to carry on working 40+ hours a week and sometimes overtime while he has no job, no bills to pay and just enjoys his hobbies (they are free/ low cost).

AIBU?

Please share your opinions and be honest as I want to get this right for us both.

OP posts:
Blooperz · 10/01/2026 00:45

Quick route to becoming decrepit, retiring with little activity in place.

can he just have the spring and summer off, then work part time in a less stressful role

LighthouseLED · 10/01/2026 00:42

Wereongunoil · 10/01/2026 00:40

But will it, or will he decide he's onto a winner and just not get a job again?

I guess that's a retorical question as far as we're concerned but it's something the op and her DH need to talk about

And I think it would be perfectly fair for OP to say “fine for a year, but then you need to start paying again”

FiveShelties · 10/01/2026 00:41

Who pays for food? Does the £100 cover rates, gas and electric etc?

Wereongunoil · 10/01/2026 00:40

TwattyMcFuckFace · 10/01/2026 00:37

Does there become a point where the DH starts contributing to these so they are joint expenses and not just the OP's?

Yes, after a year according to the opening post.

But will it, or will he decide he's onto a winner and just not get a job again?

I guess that's a retorical question as far as we're concerned but it's something the op and her DH need to talk about

TwattyMcFuckFace · 10/01/2026 00:37

Wereongunoil · 10/01/2026 00:36

It's all well and good saying he's made his contribution, but does that mean the op has to continue working and infinitum so they can eat and pay the gas and electric, i.e. live. These bills never have an end point

Does there become a point where the DH starts contributing to these so they are joint expenses and not just the OP's?

Does there become a point where the DH starts contributing to these so they are joint expenses and not just the OP's?

Yes, after a year according to the opening post.

Didntask · 10/01/2026 00:37

Is he contributing anything? Food etc?

Wereongunoil · 10/01/2026 00:36

Howarewealldoing · 10/01/2026 00:31

As long as he is contributing as he was before ( paying of the mortgage) . I can’t really see the issue are you not happy for him ?. Sounds like he had a stressful job and should enjoy his early retirement.

It's all well and good saying he's made his contribution, but does that mean the op has to continue working and infinitum so they can eat and pay the gas and electric, i.e. live. These bills never have an end point

Does there become a point where the DH starts contributing to these so they are joint expenses and not just the OP's?

LighthouseLED · 10/01/2026 00:34

Well, the alternative would be that he doesn’t pay off the mortgage and continues to contribute from his retirement sum. Which doesn’t seem to make sense.

I’d just see it as him having paid his share for the year “off” in advance tbh, as long as it doesn’t mean you need to pay more than you otherwise would have done.

PickAChew · 10/01/2026 00:33

You pay your utilities, insurance and council tax out of that last £100?

TwattyMcFuckFace · 10/01/2026 00:33

Sounds fair enough to me.

The only thing I'd be concerned about is he might not want to return to work after a year off.

PauliesWalnuts · 10/01/2026 00:32

I’d ask him to carry the load a bit more at home - school runs, cooking, laundry etc but otherwise not a problem.

Howarewealldoing · 10/01/2026 00:31

As long as he is contributing as he was before ( paying of the mortgage) . I can’t really see the issue are you not happy for him ?. Sounds like he had a stressful job and should enjoy his early retirement.