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AIBU?

Share your dilemmas and get honest opinions from other Mumsnetters.

I don't think I am but... (family expenses)

191 replies

KnowtheAnswer · 28/02/2026 10:04

DH and I have been married for ten years and together longer. We have young DC. I have signed the youngest up for a hobby, which is something I also do, and today I was looking to fill in the DD form. I asked him which of of two joint accounts we should use. He said neither because this hobby is nothing to do with him. I was surprised as one of the accounts is one we use for family expenses like clothes, food, days out, so that's the one he said I should use before then questioning why he is paying for this.

For context, we have a joint account for all the bills, into which we each pay 50% of the amount needed. We have a second joint account we each pay £500 into which we use for food, joint expenses, days out, meals, schools trips, anything we do together.

For further context, I am default parent as many mothers are, which means I usually book holiday club or book annual leave and then I arrange to take them out or see friends or just work with them at home if I really need to. If I take them out in the holidays or on weekends I generally pay on the basis it's, for example, a meal which I've had with them or met friends. I think there's an argument I shouldn't have to use my annual leave AND pay for entertaining the DC.

He has form for being an arse actually told me to go away and leave him alone when I tried to talk to him about this. I do believe he's unreasonable and a bit of a narcissist generally but is he right on this?

OP posts:
Tuesdayschild50 · 02/03/2026 12:21

So his youngest child is signed up to a hobby and he tells you,you can't use either accounts and YOU use YOUR leave in holidays.
Then you ask to talk like grown ups do and he tells you to go away ?
You are equals you don't need to ask don't put up with this put him right in his place .

Imdunfer · 02/03/2026 08:54

Split accounts save so many arguments that would happen in many marriages.

I've seen so much tit-for-tat spending in relationships. He buys a new bike he doesn't really need, so she buys a new designer handbag. (Insert your own stereotypes)

A 50/50 split is only fair if you both earn the same. Imo the way it works best is if you have a joint account for all expenses, and each of you puts into it a share in proportion to your take home pay. Anything left is yours to do exactly what you want with. It worked well for us, anyway. Kids would complicate the budget but the principle still remains.

Firethehorse · 02/03/2026 08:14

You aren’t really sorted as a few other posters are suggesting.
So you were given a reason rather than an apology and he finally deigned to accept this payment but objects over things like clothing costs.
I would reset these terms OP, so you could start by making lists of what needs purchasing and divide up who does what both sourcing and paying. Maybe he should be taking his own children out and maybe lie ins are a shared luxury from now on. If he can’t/wont do school and activity runs these should be factored into the whole who pays what calculations. It doesn’t sound like he appreciates your time at all. Think about what you are demonstrating to your children.

Booboobagins · 02/03/2026 02:59

Why did you ask him? Do you need his permission? Why are you funding all child related costs. F that.

Sounds like you are oppressed to me. Think carefully about wasting your life with this AH, let alone the negative impact his behaviour is having on your child.

Blades2 · 02/03/2026 02:21

Regardless of who’s wrong here (hint hint, it isn’t you) why haven’t you had a serious discussion with him about
him being an arsehole
twlling you to go away and leave him alone so he doesn’t have to discuss it.
being a narcissist.

Blondeshavemorefun · 01/03/2026 23:48

I’m confused why you have 2 joint accounts as both Seem to be family stuff

either way yes the fees for activity should come from joint account

HowMuchIsThatDoggyInTheWindow123 · 01/03/2026 22:53

All money is family money here. Even before married. No questions asked - dh wouldn't even know what goes in and out for most things . He never looks at the account. He doesn't even have the app on his phone

ForNoisyCat · 01/03/2026 22:33

KnowtheAnswer · 28/02/2026 10:04

DH and I have been married for ten years and together longer. We have young DC. I have signed the youngest up for a hobby, which is something I also do, and today I was looking to fill in the DD form. I asked him which of of two joint accounts we should use. He said neither because this hobby is nothing to do with him. I was surprised as one of the accounts is one we use for family expenses like clothes, food, days out, so that's the one he said I should use before then questioning why he is paying for this.

For context, we have a joint account for all the bills, into which we each pay 50% of the amount needed. We have a second joint account we each pay £500 into which we use for food, joint expenses, days out, meals, schools trips, anything we do together.

For further context, I am default parent as many mothers are, which means I usually book holiday club or book annual leave and then I arrange to take them out or see friends or just work with them at home if I really need to. If I take them out in the holidays or on weekends I generally pay on the basis it's, for example, a meal which I've had with them or met friends. I think there's an argument I shouldn't have to use my annual leave AND pay for entertaining the DC.

He has form for being an arse actually told me to go away and leave him alone when I tried to talk to him about this. I do believe he's unreasonable and a bit of a narcissist generally but is he right on this?

I’ve never had a joint account but Surely if these are both joint accounts you can take your pick of which to use?

RingInTheNew · 01/03/2026 21:46

KnowtheAnswer · 01/03/2026 20:58

I don't mind having separate accounts actually and I know others who work that way but I have often ended up taking on joint expenses which Im obviously not happy about.

Yes, it doesn’t feel like it’s working in your favour. Perhaps draw up a list together of what comes out of the joint account and what comes out of your own accounts so that you can refer back to that when there’s any disagreement about it?

KnowtheAnswer · 01/03/2026 20:58

RingInTheNew · 01/03/2026 20:41

What happened to the wedding vow ‘all that I have I share with you’?
My husband and I took this literally and always have. All our money is in one account and we trust each other not to spend frivolously. If we have a big purchase to make, we discuss it. Separate accounts just feel like they muddy the waters.

I don't mind having separate accounts actually and I know others who work that way but I have often ended up taking on joint expenses which Im obviously not happy about.

OP posts:
KnowtheAnswer · 01/03/2026 20:56

changeme4this · 01/03/2026 18:02

You seem sorted now however I wouldn’t have asked him which account, I would have just done the banking account transaction myself from the joint account.

There are two joint accounts. I was checking which one, not whether I can use it, as I thought it was agreed.

OP posts:
RingInTheNew · 01/03/2026 20:41

What happened to the wedding vow ‘all that I have I share with you’?
My husband and I took this literally and always have. All our money is in one account and we trust each other not to spend frivolously. If we have a big purchase to make, we discuss it. Separate accounts just feel like they muddy the waters.

Aninabertsi · 01/03/2026 20:21

KnowtheAnswer · 28/02/2026 10:43

It's about £30 per month for further context and we can go up to four times a week for that. Of course I take them. I finish work early or get up on the weekend while he stays in bed.

And it doesn't give you the ick?

Lovestotravel79 · 01/03/2026 20:12

I think this is a really sad post, you can tell the poster is terribly unhappy and is not getting support in their relationship. I think the activity has been the icing on the cake and you are well aware things need to change for the health and happiness of you and yoir children. Life is too short to be miserable.

Missingpop · 01/03/2026 19:39

Why are you still with this tool? He sounds a complete drip

changeme4this · 01/03/2026 18:02

You seem sorted now however I wouldn’t have asked him which account, I would have just done the banking account transaction myself from the joint account.

MyBrightPeer · 01/03/2026 17:20

KnowtheAnswer · 28/02/2026 10:43

It's about £30 per month for further context and we can go up to four times a week for that. Of course I take them. I finish work early or get up on the weekend while he stays in bed.

Ok you need to stop doing this. He is being unreasonable but things like this enable him to be unreasonable. Children’s expenses are joint and your time parenting should be joint.

honestly he sounds like he adds nothing

RawBloomers · 01/03/2026 17:15

YANBU at all. You call him DH and I hope that means you’re legally married so have fewer concerns over long term finances, but I urge you to focus on your long term earning capacity- this marriage isn’t going to last past your kids being at home (and maybe not that long), you want to be in a position to have a good life and help your kids out in 10/20 years time.

Danni364 · 01/03/2026 17:13

This isn't normal at all especially to be so angry about something for his DC. Me and DP share everything we earn and everything comes out the same pot.
DP has signed up for 3 baby classes a week as hes on a long paternity and I didn't even blink 😅 its not as if you're even asking for money for yourself? It's his child.

Montink · 01/03/2026 16:55

KnowtheAnswer · 01/03/2026 16:13

I think it's slightly different if you each take the DC to different hobbies and pay for it but in our case he doesn't do that and he wouldn't.

He did say, afterwards, that he didn't object to paying for it out of the JA.

Did you talk to him before you signed the child up? Expenses, timings, fairness to other children?

ScartlettSole · 01/03/2026 16:30

KnowtheAnswer · 01/03/2026 16:13

I think it's slightly different if you each take the DC to different hobbies and pay for it but in our case he doesn't do that and he wouldn't.

He did say, afterwards, that he didn't object to paying for it out of the JA.

Yes, I was trying to reply to a comment which made the point it is a joint expense unless very expensive and/or not discussed. Its shit of him, especially as they have a joint account which seems to be specifically for such things!

KnowtheAnswer · 01/03/2026 16:13

ScartlettSole · 01/03/2026 13:18

I agree with this.

Our youngest does dance and horse riding which I pay for myself. I enrolled her in dance as her big sister had did the classes when she was younger so my choice, my expense. I had a horse and very much love another so when she said she would like to I jumped at the chance and signed her up, again my expense. Her dad feels swimming is important to learn so he signed her up/pays for those because that was his choice.

edit this was meant to reply to someone but hasn't worked!

Edited

I think it's slightly different if you each take the DC to different hobbies and pay for it but in our case he doesn't do that and he wouldn't.

He did say, afterwards, that he didn't object to paying for it out of the JA.

OP posts:
Ireallywantadoughnut36 · 01/03/2026 14:19

Oh my days some of the husbands on here! First off, the massive finances red flag (caveat, if you're skint or have had long chats about budgeting or have money worries or are trying to save he might have a small point). Clearly this is a family expense, everything for the children should come from a joint pot and even the way you both carefully pay 50/50 in just seems a bit depressing and not like a partnership/teamwork to me. In my house my husband earns significantly more than me, it's our money, it's always been our money. That's because legally our assets and finances are shared but more importantly our lives are shared, yes he earns more but I also bring value in other ways. The idea of him withholding family finances is horrendous, it borders on financial abuse. We earn money for the family and we each trust each other to spend it on whatever we need/want appropriately.

Secondly- "as many mothers do". Maybe we do, but we shouldn't. If you both work similar hours then childcare, clubs, holidays, housework should be shared. They're his kids too. If you're having to organise all of this stuff and then he has the audacity to get shitty about what you've organised. No words. If you split, he'd have to sort all of this out and pay for whatever occurs on his time or child support.

Personally I'd question what this man adds to your life, it doesn't sound like he's kind or generous, it doesn't sound like he supports you with childcare, family life or is a good dad, it also doesn't sound like you like him that much. What do you lose without him? What are you gaining through his presence?

mindutopia · 01/03/2026 14:12

I wouldn’t have even asked. Of course, it comes from the family account. It’s a family expense.

I also put all days out, coffee and cake, parking on days out through the joint account. My personal hobbies come out of my own account. But me parenting the children so Dh can work is not a personal expense.

Prancingpickle · 01/03/2026 14:09

I think it depends on the hobby and whether it was discussed beforehand tbh!