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AIBU?

Share your dilemmas and get honest opinions from other Mumsnetters.

What number?

310 replies

coulditbeme2323 · 30/04/2026 11:29

Following on from a discussion with a friend in real life.

What figure would you check with your husband/wife before spending?

Obviously this is going to vary on stage of life, earnings etc etc.

OP posts:
momtoboys · 30/04/2026 14:53

Our agreement is $500.

BoopeanLogic · 30/04/2026 14:52

coulditbeme2323 · 30/04/2026 12:30

I think partner is probably different from husband or wife.

I’m not married. I am in a civil partnership. He is not my husband. He is my partner. Same legal protection, etc.
DP does not necessarily mean no legal implications.

greengreengrass3 · 30/04/2026 14:50

We have separate bank accounts, and pay an amount each into joint account for bills.

I wouldn’t ever consult my Husband before spending any amount from my own bank account, however expensive it was.

Bearsmumma · 30/04/2026 14:48

I honestly think it makes no difference now that me and DH are married how we spend our money! It would matter what assets we have should we divorce but I spend the same as before I got married! I had kids with him before I married him and we never changed our finances. Yes the law is better in terms of protection should we separate but I still don’t ask him before I spend my money! I know what he spends when I bring his parcels in 🤣 not sure I’d fight over his golf clubs he keeps buying in any divorce…. maybe leverage to keep my pension!!

lalaloopyhead · 30/04/2026 14:40

We have seperate finances, so don't check as such. If I am buying something over a few hundred then I will probably ask him if he thinks its a good deal or whatever but I don't need his permission. We tend to talk over household/joint purchases regardless of who is paying for them - just to agree on what we want as much as anything else.

coulditbeme2323 · 30/04/2026 14:40

Bbbbboooooooiiiiiinnnnnnnnnnggggggggg · 30/04/2026 14:39

Not if you live together it isn't.

Legally it is.

OP posts:
Bbbbboooooooiiiiiinnnnnnnnnnggggggggg · 30/04/2026 14:39

coulditbeme2323 · 30/04/2026 12:30

I think partner is probably different from husband or wife.

Not if you live together it isn't.

notacooldad · 30/04/2026 14:38

I have no idea tbh.
A few weeks ago I spent thousands on a new bike and then a few hundred on accessories. I did say that I was researching getting a new bike though.

I bought a new car last year for £27k while dh was away. I had been dithering about getting one.

I lent ds 80k without telling dh. Ds paid me exactly when he said he would.
So I dont know when I would have to consult dh, maybe if I went to buy another house?

Evaka · 30/04/2026 14:38

coulditbeme2323 · 30/04/2026 12:30

I think partner is probably different from husband or wife.

Lol

DeftGoldHedgehog · 30/04/2026 14:38

Anything over £100 probably out of joint account as that is generally for bills and food. I'd tell him as we'd probably both need to pay in as it may leave us short.

Out of my own account I wouldn't say anything if it was an amount I could afford by myself, and neither would he with his, and it would only be bigger items like holidays, work on the house, work on the car, new appliances we'd both contribute to that I'd get his approval or he would get mine to the spend first (though I just told him we were having a new (additional) freezer recently as I was paying for it, measured up and it fitted and I'm the one who will use it, mostly!) I earn a good deal more than him though these days and pay for more things. I also didn't get his consent before buying myself a car when I was 40 on a payment plan, as I could afford it by myself. I did get him to come and have a look when I was test driving though, as a second opinion, and he thought it was a good choice and deal. I also let him drive my car! He loved it.

coulditbeme2323 · 30/04/2026 14:36

BackToLurk · 30/04/2026 14:36

I guess it would help if you explained the relevance of the link to how much one member of a couple spends

I have done that.

OP posts:
BackToLurk · 30/04/2026 14:36

coulditbeme2323 · 30/04/2026 13:56

I am not posting the link 3 times!

I guess it would help if you explained the relevance of the link to how much one member of a couple spends

Nuttycoffee · 30/04/2026 14:35

Im an adult with my own money, I dont need to ask permission to spend my own money.
Same as going out I'll tell you im going out but I dont need permission.

Tryagain26 · 30/04/2026 14:31

coulditbeme2323 · 30/04/2026 12:30

I think partner is probably different from husband or wife.

I've been.married over 40 years and we have never discussed or questioned each others personal spending. We don't keep our finances secret . We know how much we have in our separate current and savings accounts and we discuss issues like changing to higher interest accounts etc but we have never had discussions about how much we spend individually. We are both responsible adults we keep in credit in our current accounts and don't see the need to discuss how much we each are spending. I think we would both hate that.

SouthLondonMum22 · 30/04/2026 14:31

We have separate finances. We don't check with each other, it's one of the benefits of having separate finances.

coulditbeme2323 · 30/04/2026 14:27

VeterinaryCareAssistant · 30/04/2026 14:26

No. What respect? It's my own money that I earn.
Is he supposed to ask me for permission to spend his own money?

I suppose the difference is we look at it like a pot.

OP posts:
VeterinaryCareAssistant · 30/04/2026 14:26

coulditbeme2323 · 30/04/2026 14:22

Not even out of respect?

No. What respect? It's my own money that I earn.
Is he supposed to ask me for permission to spend his own money?

lessglittermoremud · 30/04/2026 14:25

I don’t check anything with my DH that I use my own money for, and he doesn’t check with me either.
If there was something needed for the house or one of the children then we would discuss it but otherwise I have no idea how much money he has as he puts a set amount in the joint account to cover bills etc plus extra for the children as he’s a higher earner and he has no idea what I have in my own accounts either .
The reason I went back to work after each of the children was so that I had my own money to spend as I wanted to.

Tryagain26 · 30/04/2026 14:22

We only discuss costs for big household things or work to the house. We don't discuss our personal spending

5128gap · 30/04/2026 14:22

coulditbeme2323 · 30/04/2026 14:19

I wouldn't know where to start!

The DWP, under the law, treats couples as having shared finances regardless of whether they are married. So if one partner loses their job, they can't claim benefits if their partner earns over the threshold because the money is assumed to be pooled. It was just to illustrate that the law doesn't draw the hard line you suggest.

coulditbeme2323 · 30/04/2026 14:22

VeterinaryCareAssistant · 30/04/2026 14:21

Separate accounts so I wouldn't check with anyone.

I spent £600 on an educational course and never mentioned the cost. He buys fishing gear and I never question it.

Edited

Not even out of respect?

OP posts:
VeterinaryCareAssistant · 30/04/2026 14:21

Separate accounts so I wouldn't check with anyone.

I spent £600 on an educational course and never mentioned the cost. He buys fishing gear and I never question it.

MyMilchick · 30/04/2026 14:21

Gardenquestion22 · 30/04/2026 13:20

Married, joint account for bills - otherwise separate finances. Personal spending on myself - I might mention it in passing 'Christ that holiday with the girls is starting to add up!' or 'that meal was effing expensive'. But I wouldn't check.

Out of the joint account - probably mention/check e.g. had to shell out £500 for some painting work we'd both agreed on and was letting him know it was more than we'd been expecting.

Pretty open with each other's finances and have some shared goals on retirement etc.

Yeah about the same as me and my husband really

Runningismyhappyplace50 · 30/04/2026 14:20

Joint account but generally check big purchases/holidays with friends etc.

We have general chats about birthday/Christmas gifts for the DC.

coulditbeme2323 · 30/04/2026 14:19

5128gap · 30/04/2026 14:18

Not in the sort of day to day domestics sense you're talking about in which people decide for themselves whether money is joint so decisions need to be joint or whether each has autonomy. The law doesn't say anything about this.
Also the law doesn't always make a difference between married and unmarried people. Try telling the DWP you need to claim because you have seperate finances because you're not married, and see how far you get.

I wouldn't know where to start!

OP posts: