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AIBU?

Share your dilemmas and get honest opinions from other Mumsnetters.

How would you split the bills?

181 replies

Tashaa · 01/02/2026 16:43

Household is me, DP, his three children aged 8-13 who are here weekends and holidays, and our shared DS aged 2, who is in nursery 4 days a week.

I work 4 days a week, he works 5. I earn 50k, he earns 40k. I generally buy anything DS needs. Our bills are about 4.2k a month. Mortgaged house in need of repairs.

AIBU: split bills according to percentage of household income earned
AINBU: split bills 50/50

OP posts:
Tashaa · 02/02/2026 09:42

When I was working full time and we didn’t have nursery costs, we were about £1000 a month better off so I get why he feels frustrated. And I do too!

OP posts:
Tashaa · 02/02/2026 09:38

bigboykitty · 02/02/2026 08:25

Don't let him reduce hours and become primary carer to your DC. He's a grifter and you will end up paying him maintenance. He's disgusting for moaning about contributing 50% when his expenses are more like 70%. He's also a selfish cunt for wasting money on cigarettes when he's not even paying his way.

Have you done the maths, OP, to see where you'd be financially if you were on your own with your son? I think if you did this, you'd leave him. You wouldn't need to change your hours to full-time, because you wouldn't be funding this grifter and his kids.

I couldn’t afford this house on my own, but I wouldn’t need a house this big. If I went back to full time I could afford a house of my own plus nursery. He’d pay no more / barely anything in maintenance as it doesn’t increase for 3+ children

OP posts:
bigboykitty · 02/02/2026 08:25

Don't let him reduce hours and become primary carer to your DC. He's a grifter and you will end up paying him maintenance. He's disgusting for moaning about contributing 50% when his expenses are more like 70%. He's also a selfish cunt for wasting money on cigarettes when he's not even paying his way.

Have you done the maths, OP, to see where you'd be financially if you were on your own with your son? I think if you did this, you'd leave him. You wouldn't need to change your hours to full-time, because you wouldn't be funding this grifter and his kids.

VeterinaryCareAssistant · 02/02/2026 06:52

OhamIreally · 01/02/2026 23:22

Big earners? You’re kidding!

No, I'm really not, and you know it.

Bjorkdidit · 02/02/2026 06:13

50:50 is more than fair considering how disproportionately his situation contributes to how much the household costs.

Perhaps estimate how much less a 2-3 bed house, smaller car and lower food shop would cost and show him those numbers to illustrate this to him as he seems oblivious.

Something else you could put to him could be how much better off the household would be if you worked full time and he worked part time with him doing whatever you do on your on working day as you earn more than he does. Then you could both see an increase in spending money.

Plus obviously he'd be a lot better off if he wasn't setting fire to (presumably) hundreds of pounds a month by smoking.

If he thinks he's short of money, he needs to realise that it's his circumstances and choices that are the major contributor to why.

HMW19061 · 02/02/2026 02:50

i earn about 10k more than my DH. We pay exactly the same into the joint account to cover bills, expenses, etc and I buy stuff like the kids clothes, some day trips, school expenses (only eldest in reception class so no big expenses/school dinners yet) out of my account rather than the joint account.

Given that he has 3 extra kids to cover costs for it should definitely be at least 50/50 if not him paying a higher amount.

Woodfiresareamazing · 02/02/2026 00:10

DaisyChain505 · 01/02/2026 18:22

You’re a family unit. Once you’ve purchased a house together and have a child together you’re a team and all money is family money.

We are both paid into the same account, all bills, food shopping, car expenses etc come out of there and then we are both sent the same amount to our personal accounts as pocket money to spend on things we want. Mine is meals out with friends and beauty products my husbands is new equipment for his hobbies.

But one person in this blended family unit has 3 additional children plus 1 shared and the other person (OP) has the1 shared. It's not fair to expect OP to pay for his children's expenses.

99bottlesofkombucha · 01/02/2026 23:56

Tashaa · 01/02/2026 17:01

Obviously I’m not going to say that because it’s not fair on the kids

But you should say that, even if you won’t follow through it makes it clear to dh he’s taking the total piss. ‘We can do that split if we downsize to a place just big enough for us and our shared child and proportional would be appropriate then. This is giving me the total ick, you’re a parent and you need to stop whining to me every month about having to contribute to feeding your children or ill think about downsizing to some place just big enough for ds and I and I won’t be paying maintenance for 4 kids either.

Woodfiresareamazing · 01/02/2026 23:55

Tashaa · 01/02/2026 17:01

Neither of us ever have much left over. His goes on maintenance, fuel and cigarettes. Mine goes on family days out, stuff for the house, extra food

So you are actually paying more than him - your 'spare' money pays for family things (family days out, things for the house, and extra food). His goes on maintenance (nothing to do with you, your son, or your house), cigarettes (totally his) and fuel (this is kind of a family expense, but a 7 seater car will use much more fuel than a smaller one).
So he is getting a good deal, without even considering the 4 bedroom house that is needed for his children...

ReadingSoManyThreads · 01/02/2026 23:47

OhamIreally · 01/02/2026 23:22

Big earners? You’re kidding!

I know right? They are basic tax rate earners, not high earners at all. The bar is low for some!

cocog · 01/02/2026 23:30

It’s not fair for him to not cover the extra costs needed because of his children or expect you to pay for them. Half of the expenses are already you contributing towards them you should definitely not be paying more than him towards costs.

OhamIreally · 01/02/2026 23:22

VeterinaryCareAssistant · 01/02/2026 20:53

They're both big earners. They earn 40k and 50k.

Big earners? You’re kidding!

Unexpectedlysinglemum · 01/02/2026 23:20

Dweetfidilove · 01/02/2026 21:55

Right 😲.

I want to know how a man with three children and child maintenance convinces a woman to fund the purchase of a home for said children, pay 3/4 of the bills, have a child with him that he can neither afford nor intends to finance; then make a fuss of paying a fair share, after she's blown through her savings to facilitate his lifestyle.

The mind boggles.

I agree. Sadly as women we are so conditioned to think a man wanting to commit to us with a house purchase and baby is a prize to be won and to be grateful for

Unexpectedlysinglemum · 01/02/2026 23:18

Silverbirchleaf · 01/02/2026 16:56

Mortgage, energy, water 50:50, as they the same (approx) regardless of no of people.

Food - I think he should pay 2/3 and you 1/3. Three children for 2 and a bit days each (totals 6 and and a few bits) is like having one adult for seven days, so dp and his dc equals two adults, and you equal one adult (joint child is equal
to both of you).

Well no because they’ll have 1-2 extra bedrooms for his kids I assum

babyproblems · 01/02/2026 23:10

I think he’s a bit of a shit dad tbh. It says a lot about how he really views his kids and women. I think you definitely needed to have this discussion when you became a family.
Now I would say the cost of his kids should be taken from his income and then what’s left is used for your household budget. I think the need for a bigger house needs to be ignored in all honesty. You did know he had kids so I feel this was quite obvious and also you will benefit from it in the long run

PurpleCoo · 01/02/2026 23:03

Expenses for his children need to be paid by him.

The rest (including joint child) should be split 50/50

JudgeJ · 01/02/2026 22:54

Tashaa · 01/02/2026 16:50

This is how I would prefer it to be but he wants us to pay by percentage because then he’ll pay less

If you go for a straight 50/50 then the little bit more he's paying compensates for the extra costs of his children being with you some of the time.

Dweetfidilove · 01/02/2026 21:55

GertrudePerkinsPaperyThing · 01/02/2026 20:22

I can’t believe you’ve run through your savings to subsidise him. The things men can convince women is “fair” these days.

Right 😲.

I want to know how a man with three children and child maintenance convinces a woman to fund the purchase of a home for said children, pay 3/4 of the bills, have a child with him that he can neither afford nor intends to finance; then make a fuss of paying a fair share, after she's blown through her savings to facilitate his lifestyle.

The mind boggles.

Blondeshavemorefun · 01/02/2026 21:35

If you have them all holidays do you mean the 12/13w or so

who takes time off work /looks after them in school holidays

weekends. Does he take them out /do activities just him and kids or you all do

as in does he look after them alone

HippeePrincess · 01/02/2026 21:28

I’d pay 50:50 on the mortgage since you’re not married and you’d get that back when you spilt.
Whoever said energy and water aren’t more because of extra kids I’d say that’s rubbish, I’d get him to pay more for that, also more for groceries.
Family days out are mostly his to pay and joint DS costs are 50:50.
He’s kicked up a fuss so recalculate things more fairly and show him how much he’s already being subsidised. If he fusses more you can bill him for childcare on your day off with DS and show him how much maintenance he can pay when you leave him.

don’t marry him ever. Don’t have any more kids with him .

Starseeking · 01/02/2026 21:22

Ordinarily I would have agreed with splitting costs according to household income.

However, given you only have one shared DC (that you seem to pay all costs for), and he has an additional 3 DC, 50/50 seems appropriate (and even then you are probably still subsidising him, given you only have a small salary difference anyway).

CherryViper · 01/02/2026 21:20

I am so glad you have ringfenced your deposit. Can you afford the house expenses on your own?

I would never bung money all in one pot.We each pay a fair amount and have access to the same amount of spends/extra money. I have never chased my OH for their contribution. We spilt which bills we are responsible for. Maintenance and additional expenses for their DC is their responsibility.

You have a hobosexual on your hands. You have paid 75% of expenses on maternity and they are now complaining they need to contribute a fairer amount. It still isn't fair in relation to their expenses.

VeterinaryCareAssistant · 01/02/2026 21:07

Pickledpoppetpickle · 01/02/2026 20:58

You’re a team. Should be the same as equal. Why bother otherwise?

Because basically the higher earner is just giving their money away.
Both people should contribute to the household bills either 50:50 or 70:30 (or whatever is agreed) and then they keep what's left. If that means one person has lots and the other not so much then that's how it is.

Pickledpoppetpickle · 01/02/2026 20:58

VeterinaryCareAssistant · 01/02/2026 17:02

Only the lower earner would say that.

You’re a team. Should be the same as equal. Why bother otherwise?

VeterinaryCareAssistant · 01/02/2026 20:53

IdleThoughts · 01/02/2026 17:42

Your bills are HUGE compared to your salary, we have 3 children and all bills (absolutely everything we spend, food, clubs for our children everything that comes out each month) adds up to less than 2k. We also drive a 7 seater car. I think I'd be looking at how you can reduce your outgoings as neither of you are big earners.

I think a 50/50 split on bills is very generous of you, his children aren't small and will eat lots etc when they are with you, I imagine your house is much bigger than it would be if you only had the 1 child too. I'd say 50/50 and he pays the extras for his children separately, maybe more for food when they are with you too. 10k difference in salary after tax, pensions etc won't be a huge amount anyway in terms of your take home pay, he's getting a good deal with 50/50.

They're both big earners. They earn 40k and 50k.